For some bankers their worst nightmare - easy consumer access to HMDA - data is being realized. Others view this not as a threat but as a tool that will help community groups keep them honest in their CRA commitments.

Software that will let anyone with a personal computer access HMDA data free of charge was launched in Phoenix on Nov. 18 at the Southwest regional CRA conference of the National Community Reinvestment Coalition. Developers are soliciting bankers to test the system.

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