What must be done with HMDA and CRA data reporting in the case of a branch acquisition? Both banks are HMDA reportable banks. The HMDA Guide references mergers but I cannot locate what must be done when a branch is acquired.

What do you mean by "both banks?" With a regular branch acquisition, you would want to capture any HMDA or CRA-reportable loans being originated/denied there. We have central decisioning, so it is all in one system and we export from there to the software for reporting for each bank.

By both banks, I mean our bank must report HMDA and so does the bank that we are buying the branch from. We are purchasing the loans made at that office. Am I only concerned with this year? If the purchase is made mid year, must I go back and gather information for the loans made this year and report or does the selling bank report up until the purchase?

In this case you appear to aquireing only a branch office and not the whole bank.

The selling bank can report data up to the date you took over the branch and from there on the data is your to collect and report.