Answer:
The answer will depend upon what occurred when the paperwork was dropped off. Did a staff member of the financial institution sit down with the applicant to discuss any questions or to review the paperwork or did they merely hand the materials to someone with a comment like “Give this to Mary Smith, please”? A sit-down session to review information and answer questions would be a face to face meeting, dropping papers on a desk would not.
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HMDA Demographics – Reporting and Analyzing
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