Edits 2025

hmda/src/main/scala/hmda/validation/dsl/PredicateHmda.scala

@@ -24,12 +24,33 @@ object PredicateHmda {
     }
 
   def exemptionTaken(lar: LoanApplicationRegister): Boolean = {
-    lar.applicationSubmission == ApplicationSubmissionExempt || lar.ausResult.ausResult1 == AUSResultExempt || lar.ausResult.ausResult2 == AUSResultExempt || lar.ausResult.ausResult3 == AUSResultExempt || lar.ausResult.ausResult4 == AUSResultExempt ||
-        lar.ausResult.ausResult5 == AUSResultExempt || lar.AUS.aus1 == AUSExempt || lar.AUS.aus2 == AUSExempt || lar.AUS.aus3 == AUSExempt || lar.AUS.aus4 == AUSExempt || lar.AUS.aus5 == AUSExempt ||
-        lar.nonAmortizingFeatures.balloonPayment == BalloonPaymentExempt || lar.businessOrCommercialPurpose == ExemptBusinessOrCommercialPurpose || lar.applicant.creditScoreType == CreditScoreExempt || lar.coApplicant.creditScoreType == CreditScoreExempt ||
-        lar.denial.denialReason1 == ExemptDenialReason || lar.denial.denialReason2 == ExemptDenialReason || lar.denial.denialReason3 == ExemptDenialReason || lar.denial.denialReason4 == ExemptDenialReason ||
-        lar.nonAmortizingFeatures.interestOnlyPayments == InterestOnlyPaymentExempt || lar.lineOfCredit == ExemptLineOfCredit || lar.property.manufacturedHomeLandPropertyInterest == ManufacturedHomeLoanPropertyInterestExempt ||
-        lar.property.manufacturedHomeSecuredProperty == ManufacturedHomeSecuredExempt || lar.reverseMortgage == ExemptMortgageType || lar.nonAmortizingFeatures.negativeAmortization == NegativeAmortizationExempt || lar.nonAmortizingFeatures.otherNonAmortizingFeatures == OtherNonAmortizingFeaturesExempt ||
-        lar.payableToInstitution == PayableToInstitutionExempt || lar.loan.interestRate == "Exempt" || lar.geography.zipCode=="Exempt" || lar.geography.city=="Exempt" || lar.geography.street=="Exempt" || lar.geography.state=="Exempt"
+
+ lar.applicationSubmission == ApplicationSubmissionExempt ||
+ lar.ausResult.ausResult1 == AUSResultExempt ||
+ lar.ausResult.ausResult2 == AUSResultExempt || 
+ lar.ausResult.ausResult3 == AUSResultExempt || 
+ lar.ausResult.ausResult4 == AUSResultExempt || 
+ lar.ausResult.ausResult5 == AUSResultExempt ||
+ lar.AUS.aus1 == AUSExempt || 
+ lar.AUS.aus2 == AUSExempt || 
+ lar.AUS.aus3 == AUSExempt || 
+ lar.AUS.aus4 == AUSExempt || 
+ lar.AUS.aus5 == AUSExempt ||
+ lar.nonAmortizingFeatures.balloonPayment == BalloonPaymentExempt ||
+ lar.businessOrCommercialPurpose == ExemptBusinessOrCommercialPurpose || 
+ lar.applicant.creditScoreType == CreditScoreExempt || 
+ lar.coApplicant.creditScoreType == CreditScoreExempt ||
+ lar.denial.denialReason1 == ExemptDenialReason ||
+ lar.denial.denialReason2 == ExemptDenialReason || 
+ lar.denial.denialReason3 == ExemptDenialReason || 
+ lar.denial.denialReason4 == ExemptDenialReason ||
+ lar.nonAmortizingFeatures.interestOnlyPayments == InterestOnlyPaymentExempt ||
+ lar.lineOfCredit == ExemptLineOfCredit || 
+ lar.property.manufacturedHomeLandPropertyInterest == ManufacturedHomeLoanPropertyInterestExempt || 
+ lar.property.manufacturedHomeSecuredProperty == ManufacturedHomeSecuredExempt ||
+ lar.reverseMortgage == ExemptMortgageType || 
+ lar.nonAmortizingFeatures.negativeAmortization == NegativeAmortizationExempt || 
+ lar.nonAmortizingFeatures.otherNonAmortizingFeatures == OtherNonAmortizingFeaturesExempt || 
+ lar.payableToInstitution == PayableToInstitutionExempt
   }
 }

hmda/src/main/scala/hmda/validation/rules/lar/quality/_2025/Q616_3.scala

@@ -0,0 +1,24 @@
+package hmda.validation.rules.lar.quality._2025
+
+import hmda.model.filing.lar.LoanApplicationRegister
+import hmda.validation.dsl.ValidationResult
+import hmda.validation.rules.EditCheck
+import hmda.validation.dsl.PredicateHmda._
+import hmda.validation.dsl.PredicateCommon._
+import hmda.validation.dsl.PredicateSyntax._
+
+import scala.util.Try
+
+
+object Q616_3 extends EditCheck[LoanApplicationRegister] {
+  override def name: String = "Q616-3"
+
+  override def parent: String = "Q616"
+
+  override def apply(lar: LoanApplicationRegister): ValidationResult = {
+    val discountPoints = BigDecimal(Try(lar.loanDisclosure.discountPoints.toDouble).getOrElse(0.0))
+    val fifteenPercentLoanAmount = (lar.loan.amount * 0.15).setScale(2, BigDecimal.RoundingMode.HALF_UP)
+
+    discountPoints is lessThan(fifteenPercentLoanAmount)
+  }
+}

hmda/src/main/scala/hmda/validation/rules/lar/quality/_2025/Q621.scala

@@ -0,0 +1,26 @@
+package hmda.validation.rules.lar.quality._2025
+
+import hmda.model.filing.lar.LoanApplicationRegister
+import hmda.validation.dsl.PredicateCommon._
+import hmda.validation.dsl.PredicateHmda._
+import hmda.validation.dsl.PredicateSyntax._
+import hmda.validation.dsl.{ValidationFailure, ValidationResult, ValidationSuccess}
+import hmda.validation.rules.EditCheck
+
+
+object Q621 extends EditCheck[LoanApplicationRegister] {
+  override def name: String = "Q621"
+
+  override def parent: String = "Q621"
+  // valid number between 4 and 12 digits
+  val regex1 = "^\\d{4,12}$"
+
+  override def apply(lar: LoanApplicationRegister): ValidationResult = {
+    if (lar.larIdentifier.NMLSRIdentifier.matches(regex1) ) {
+      ValidationSuccess
+    } else
+    {
+      ValidationFailure
+    }
+  }
+}

hmda/src/main/scala/hmda/validation/rules/lar/quality/_2025/Q651_1.scala

@@ -0,0 +1,24 @@
+package hmda.validation.rules.lar.quality._2025
+
+import hmda.model.filing.lar.LoanApplicationRegister
+import hmda.validation.dsl.PredicateCommon._
+import hmda.validation.dsl.PredicateSyntax._
+import hmda.validation.dsl.{ValidationFailure, ValidationResult}
+import hmda.validation.rules.EditCheck
+
+import scala.util.Try
+
+
+object Q651_1 extends EditCheck[LoanApplicationRegister] {
+  override def name: String = "Q651-1"
+
+  override def parent: String = "Q651"
+
+  override def apply(lar: LoanApplicationRegister): ValidationResult ={
+    when((lar.loan.combinedLoanToValueRatio is numeric) and
+      (lar.loan.combinedLoanToValueRatio.toFloat is lessThan(1.5) ) and
+      (lar.loan.combinedLoanToValueRatio.toFloat is greaterThan(0))) {
+       ValidationFailure
+    }
+  }
+}

hmda/src/main/scala/hmda/validation/rules/lar/quality/_2025/Q651_2.scala

@@ -0,0 +1,22 @@
+package hmda.validation.rules.lar.quality._2025
+
+import hmda.model.filing.lar.LoanApplicationRegister
+import hmda.validation.dsl.PredicateCommon._
+import hmda.validation.dsl.PredicateSyntax._
+import hmda.validation.dsl.ValidationResult
+import hmda.validation.rules.EditCheck
+
+import scala.util.Try
+
+
+object Q651_2 extends EditCheck[LoanApplicationRegister] {
+  override def name: String = "Q651-2"
+
+  override def parent: String = "Q651"
+
+  override def apply(lar: LoanApplicationRegister): ValidationResult ={
+    when(lar.loan.combinedLoanToValueRatio is numeric) {
+      lar.loan.combinedLoanToValueRatio.toFloat is lessThan(150)
+    }
+  }
+}

hmda/src/main/scala/hmda/validation/rules/lar/quality/common/Q616_1.scala

@@ -14,16 +14,16 @@ object Q616_1 extends EditCheck[LoanApplicationRegister] {
   override def parent: String = "Q616"
 
   override def apply(lar: LoanApplicationRegister): ValidationResult = {
-    val dP =
+    val discountPoints =
       Try(lar.loanDisclosure.discountPoints.toDouble).getOrElse(0.0)
-    val tlc = Try(lar.loanDisclosure.totalLoanCosts.toDouble).getOrElse(0.0)
+    val totalLoanCosts = Try(lar.loanDisclosure.totalLoanCosts.toDouble).getOrElse(0.0)
 
     when(
       lar.loanDisclosure.discountPoints not oneOf("NA", "Exempt") and
         (lar.loanDisclosure.totalLoanCosts not oneOf("NA", "Exempt"))
-        and (dP not equalTo(0.0)) and (tlc not equalTo(0.0))
+        and (discountPoints not equalTo(0.0)) and (totalLoanCosts not equalTo(0.0))
     ) {
-      tlc is greaterThan(dP)
+      totalLoanCosts is greaterThan(discountPoints)
     }
   }
 }

hmda/src/main/scala/hmda/validation/rules/lar/quality/common/Q616_2.scala

@@ -14,16 +14,16 @@ object Q616_2 extends EditCheck[LoanApplicationRegister] {
   override def parent: String = "Q616"
 
   override def apply(lar: LoanApplicationRegister): ValidationResult = {
-    val dP =
+    val discountPoints =
       Try(lar.loanDisclosure.discountPoints.toDouble).getOrElse(0.0)
-    val tpf =
+    val totalPointsAndFees =
       Try(lar.loanDisclosure.totalPointsAndFees.toDouble).getOrElse(0.0)
     when(
       lar.loanDisclosure.discountPoints not oneOf("NA", "Exempt") and
         (lar.loanDisclosure.totalPointsAndFees not oneOf("NA", "Exempt")) and
-        (dP not equalTo(0.0)) and (tpf not equalTo(0.0))
+        (discountPoints not equalTo(0.0)) and (totalPointsAndFees not equalTo(0.0))
     ) {
-      tpf is greaterThan(dP)
+      totalPointsAndFees is greaterThan(discountPoints)
     }
   }
 }

hmda/src/main/scala/hmda/validation/rules/lar/validity/2025/V695_1.scala

@@ -0,0 +1,19 @@
+package hmda.validation.rules.lar.validity._2025
+
+import hmda.model.filing.lar.LoanApplicationRegister
+import hmda.validation.dsl.PredicateCommon._
+import hmda.validation.dsl.PredicateSyntax._
+import hmda.validation.dsl.ValidationResult
+import hmda.validation.rules.EditCheck
+
+object V695_1 extends EditCheck[LoanApplicationRegister] {
+  override def name: String = "V695-1"
+
+  override def parent: String = "V695"
+
+  override def apply(lar: LoanApplicationRegister): ValidationResult = {
+    lar.larIdentifier.NMLSRIdentifier not empty and( (lar.larIdentifier.NMLSRIdentifier is integer) or
+    (lar.larIdentifier.NMLSRIdentifier is oneOf("Exempt", "NA")))
+  }
+
+}

hmda/src/main/scala/hmda/validation/rules/lar/validity/2025/V695_2.scala

@@ -0,0 +1,18 @@
+package hmda.validation.rules.lar.validity._2025
+
+import hmda.model.filing.lar.LoanApplicationRegister
+import hmda.validation.dsl.PredicateCommon._
+import hmda.validation.dsl.PredicateSyntax._
+import hmda.validation.dsl.ValidationResult
+import hmda.validation.rules.EditCheck
+
+object V695_2 extends EditCheck[LoanApplicationRegister] {
+  override def name: String = "V695-2"
+
+  override def parent: String = "V695"
+
+  override def apply(lar: LoanApplicationRegister): ValidationResult = {
+    lar.larIdentifier.NMLSRIdentifier not equalTo("0")
+  }
+
+}

hmda/src/main/scala/hmda/validation/rules/lar/validity/2025/V695_3.scala

@@ -0,0 +1,26 @@
+package hmda.validation.rules.lar.validity._2025
+
+import hmda.model.filing.lar.LoanApplicationRegister
+import hmda.validation.dsl.PredicateCommon._
+import hmda.validation.dsl.PredicateSyntax._
+import hmda.validation.dsl.{ValidationFailure, ValidationResult, ValidationSuccess}
+import hmda.validation.rules.EditCheck
+
+object V695_3 extends EditCheck[LoanApplicationRegister] {
+  override def name: String = "V695-3"
+
+  override def parent: String = "V695"
+
+  // valid number between 4 and 12 digits
+  val regex1 = "^\\d{4,12}$"
+
+  override def apply(lar: LoanApplicationRegister): ValidationResult = {
+    if (lar.larIdentifier.NMLSRIdentifier.matches(regex1) ) {
+      ValidationSuccess
+    } else
+      {
+        ValidationFailure
+      }
+  }
+
+}