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## Introduction



The [Home Mortgage Disclosure Act (HMDA) Platform](http://ffiec.cfpb.gov/) is a [Regulatory technology](https://en.wikipedia.org/wiki/Regulatory_technology) application for financial institutions to submit mortgage information as described in the [Filing Instruction Guide (FIG)](https://s3.amazonaws.com/cfpb-hmda-public/prod/help/2020-hmda-fig.pdf). The HMDA-Platform parses data as submitted by mortgage leading institutions and validates the information for edits (Syntactical, Validity, Quality, and Macro as-per the instructions in the FIG) before submitting the data. The HMDA-Platform supports [quarterly](https://ffiec.cfpb.gov/documentation/2020/quarterly-filing-dates/) and [yearly](https://ffiec.cfpb.gov/documentation/2019/annual-filing-dates/) filing periods. For detailed information on Home Mortgage Disclosure Act (HMDA), checkout the [About HMDA page](https://www.consumerfinance.gov/policy-compliance/rulemaking/final-rules/regulation-c-home-mortgage-disclosure-act/) on the CFPB website.

[Please watch this short video](https://youtu.be/C_73Swgyc4g) to view how HMDA Platform transforms the data upload, validation, and submission process.
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The code base contained in this repository includes the following microservices that work together in support of the HMDA Platform.

- [HMDA Platform](https://github.com/cfpb/hmda-platform/tree/master/hmda): The entire backend API for [public facing filing platform](https://ffiec.cfpb.gov/filing/2019/). Used for processing the uploaded TXT files and validating them in a non-blocking, I/O streaming way. The APIs are built to be able to process various file sizes, from small (few lines) to large (1.5M+ lines), text files simultaneously without impeding the scalability or availability of the platform. The platform contains code for customizable data edits, a [Domain Specific Language (DSL)](https://en.wikipedia.org/wiki/Domain-specific_language) for coding the data edits, and submitting events to Kafka topics.
- [HMDA Platform](https://github.com/cfpb/hmda-platform/tree/master/hmda): The entire backend API for [public facing filing platform](https://ffiec.cfpb.gov/filing/2019/). Used for processing the uploaded TXT files and validating them in a non-blocking, I/O streaming way. The APIs are built to be able to process various file sizes, from small (few lines) to large (1.5M+ lines), text files simultaneously without impeding the scalability or availability of the platform. The platform contains code for customizable data edits, a [Domain Specific Language (DSL)](https://en.wikipedia.org/wiki/Domain-specific_language) for coding the data edits, and submitting events to Kafka topics.

- [Check Digit](https://github.com/cfpb/hmda-platform/tree/master/check-digit): The entire backend API for [public facing check digit tool](https://ffiec.cfpb.gov/tools/check-digit). The Check Digit tool is used to (1) Generate a two character check-digit based on an Legal Entity Identifier (LEI) and (2) Validate that a check-digit is calculated correctly for any complete Universal Loan Identifier (ULI). This APIs are built to process multiple row CSV files as well as one time processing.

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4. <a href="./docs/JavaInstall.md">Java (version 13.0.2) for MacOS</a>
5. Scala (version 2.12 for compatibility issues) - ```bash brew install scala@2.12 ```
6. sdk - https://sdkman.io/install
Next, use sdk to install sbt instead of brew (it won't work with brew) (Note: before install, check what version is currently being used in project/build.properties and install that version or higher):
Next, use sdk to install sbt instead of brew (it won't work with brew) (Note: before install, check what version is currently being used in project/build.properties and install that version or higher):

```bash
sdk install sbt
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## Access locally build platform
[hmda-admin-api](http://localhost:8081)
[hmda-filing-api](http://localhost:8080)
[hmda-public-api](http://localhost:8082)
[hmda-public-api](http://localhost:8082)
## Build hmda-platform Docker image

Docker Image is build via Docker plugin utilizing [sbt-native-packager](https://sbt-native-packager.readthedocs.io/en/stable/formats/docker.html#docker-plugin)
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docker-compose up
```

The entire filing plaform can be spun up using a one line command. Using this locally running instance of Platform One, no authentication is needed.
The entire filing plaform can be spun up using a one line command. Using this locally running instance of Platform One, no authentication is needed.

```shell
# Bring up the hmda-platform
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## Code Formatting

Our team uses [Scalafmt](https://scalameta.org/scalafmt/) to format our codebase.
Our team uses [Scalafmt](https://scalameta.org/scalafmt/) to format our codebase.

## Development Process

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## Credits and references

Related projects
- https://github.com/cfpb/hmda-combined-documentation - ReactJS Front-end with intergration DocSearch program repository powering the [HMDA Platform](http://ffiec.cfpb.gov/)
- https://github.com/cfpb/hmda-platform-larft - Repo for the [Public Facing LAR formatting tool](https://ffiec.cfpb.gov/tools/lar-formatting)
- https://github.com/cfpb/hmda-test-files - Repo for automatically generating various different test files for HMDA Data
- https://github.com/cfpb/hmda-census - ETL for geographic and Census data used by the HMDA Platform
- https://github.com/cfpb/HMDA_Data_Science_Kit - Repo for HMDA Data science work as well as Spark codebase for [Public Facing A&D Reports](https://ffiec.cfpb.gov/data-publication/disclosure-reports/2018)
- https://github.com/cfpb/hmda-combined-documentation - ReactJS Front-end with intergration DocSearch program repository powering the [HMDA Platform](http://ffiec.cfpb.gov/)
- https://github.com/cfpb/hmda-platform-larft - Repo for the [Public Facing LAR formatting tool](https://ffiec.cfpb.gov/tools/lar-formatting)
- https://github.com/cfpb/hmda-test-files - Repo for automatically generating various different test files for HMDA Data
- https://github.com/cfpb/hmda-census - ETL for geographic and Census data used by the HMDA Platform
- https://github.com/cfpb/HMDA_Data_Science_Kit - Repo for HMDA Data science work as well as Spark codebase for [Public Facing A&D Reports](https://ffiec.cfpb.gov/data-publication/disclosure-reports/2018)

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