CDTrax Upgrade

CDTRAX logo

CDTrax
Version 1.6.9 – 11/28/2022

We are pleased to offer you CDTrax version 1.6.9. Please review the upgrade instructions below.

IMPORTANT NOTE: You MUST be on CDTrax version 1.6.8 before running this upgrade. If you need assistance, please contact support.

  • Ensure that CDTrax is on Version 1.6.8 BEFORE proceeding.
  • Backup your existing CDTrax software installation; this is IMPORTANT for all releases.
  • Download the upgrade by selecting the Download button.
  • Place the downloaded file onto the server where CDTrax resides.
  • Ensure that all users have exited the software.
  • Launch the downloaded upgrade executable (This may take a few seconds to load so please be patient).

Support

If any questions or challenges are encountered, please do not hesitate to contact Marquis Support.
Our representatives are standing by and ready to assist you.

[email protected] | 800-637-5388

HMDATrax Upgrade

HMDATRAX logo

HMDATrax to CenTrax
Version 11.0.72 – 11/28/2022

We are pleased to offer you CenTrax as an upgrade from HMDATrax 11.0.67. Please review the upgrade instructions below.

IMPORTANT NOTE: You MUST be on HMDATrax version 11.0.67 before running this upgrade. If you need assistance, please contact support.

  • Ensure that HMDATrax is on Version 11.0.67 BEFORE proceeding.
  • Backup your existing HMDATrax software installation; this is IMPORTANT for all releases.
  • Download the upgrade by selecting the Download button.
  • Place the downloaded file onto the server where HMDATrax resides.
  • Ensure that all users have exited the software.
  • Launch the downloaded upgrade executable (This may take a few seconds to load so please be patient).


Support

If any questions or challenges are encountered, please do not hesitate to contact Marquis Support.
Our representatives are standing by and ready to assist you.

[email protected] | 800-627-5388

CenTrax Training

CenTrax Training

We know that understanding your comprehensive compliance software is critical – that’s why Marquis provides training videos to give you the help you need! Check out our CenTrax training videos for Basic Integrity Reports, insights on Fair Lending data collection and matched pairs, Graphing & Dashboard, Mapping, and Geocoding. Plus, you’ll find PowerPoint shows for downloading.

DataPro
The DataPro can simplify your data collection efforts by bringing mulitple functions into one place.

Basic and Integrity Reports
Generate and review basic reports, integrity reports, and sampling.

Materials
Please refer to the CenTrax User Guide chapter Basic, Integrity & Public Reports.

Data Collection
Covers setting up import templates from your various loan systems and how to manually enter records into your files.

Materials
Please refer to the CenTrax User Guide chapter Manual Data Entry and Importing

Fair Lending Data Collection and Scoping Reports
Covers CenTrax Fair Lending data collection, and the basic reports to get you started. This session will prepare you for the companion video of Fair Lending Matched Pairs.

Materials
For additional materials, please refer to the CenTrax User Guide chapter Fair Lending.

Geocode
Covers the components of geocoding, including CASS (Coding Accuracy Support System), the standardization program of the US Postal Service.

Materials
Please refer to the CenTrax User Guide chapter Geocode & Cass Certification

Graphing & Dashboard
Covers the Chart feature, which is used to create graphical representations of your data that can be included in reports or PowerPoint presentations. Additionally, it behaves as a Dashboard to display a series of related graphs simultaneously.

Mapping in CenTrax
Covers creating assessment area and loan penetration maps using the interface within CenTrax.

Materials
For additional materials, please refer to the CenTrax User Guide chapter Mapping.

Mapping in Maptitude
Covers creating a variety of maps using the stand-alone Maptitude software by linking data from CenTrax and other external sources.

c/dTrax
This product will assist you with the collection of your Community Developmenht Loans, Services and Investments.

Tools
Covers Filtering, Exporting, Delete and Replace.

Materials
Please refer to the CenTrax User Guide chapters Exporting and Filter & Replace/Delete Commands

CRA Exam Analysis
Covers the reports in CenTrax that will help you prepare for your next CRA Examination.

Materials
For additional materials, please refer to the CenTrax User Guide chapter CRA Exam Prep Reports

2019 HMDA Submission Video
We’ll walk through CenTrax and show you the final steps necessary to ensure your data is ready for submission, then guide you through the process of submitting your HMDA data in the CFPB HMDA Platform.

2019 CRA Submission Video
We’ll walk through CenTrax and show you the final steps necessary to ensure your data is ready for submission, then guide you through the process of submitting your CRA data using the FFIEC software.

Fair Lending: Case Study
This session focuses on Redlining and addresses some specific examples brought to us by our users.

PowerPoint Shows for Download

Covers DataPro, SamplePro and ExportPro.

Covers the groundwork of Matched Pairs, which allows you to idenfity borrowers with similar credit characteristics that did not receive the same or similar disposition.

Covers the steps of Mapping, from discovery/research, filtering, creating a summary file, and activating. Plus, you’ll learn to create and save the three components that make up a map: The Theme, The View and the Summary File. You can also create maps for assessment areas and your loan/deposit production.

Covers the reports available in CenTrax used to create the common sections of a Public Evaluation, including: Description of the Assessment Area (demographics), Lending Volume (inside/outside ratio, gaps in lending), Borrower Distribution of Lending and Geographic Distribution of Lending.

Beyond the User Guide

These instructions will show you how to set up the Matched Pairs Control/Target settings to consider only applicants who have no-coapplicant. These instructions are designed to work on non-HMDA reportable applications.

These instructions will show you how to set up the Matched Pairs Control/Target settings to consider only applicants who have no-coapplicant. These instructions are designed to work on HMDA reportable applications.

This document will guide you through the process of using proxy information for analysis of Gender and Ethnicity on non-HMDA consumer loans where you have information for more than one applicant.

This document provides instruction on modifying the traditional control/target settings to allow for greater flexibility on the Matched Pairs report.

CenTrax FAQS

CenTrax FAQs

We know that understanding your comprehensive compliance software is critical – so, when you have a question, we have the answers you need. Check out our Frequently Asked Questions below for insights ranging from File Name requirements to filtering loans with a Reportable Rate Spread and even Mapping and Graphing techniques.

Banks and Files

What are the File Name requirements in File Manager?

File names can contain up to 8 characters (including numbers).  File names cannot begin with a number, cannot contain spaces and cannot contain symbols other than the underscore.  File Descriptions can be up to 40 characters and can contain spaces and symbols.  Both the Name and Description will appear on reports printed from CenTrax.

In File Manager, what does the “Path” represent

The Path is where the CenTrax files will be stored on your computer/laptop/network.  We strongly recommend all of your files be stored in the same Path and in a location that is backed up daily.

In File Manager, what does the “Year” represent

The Edit Year of the file tells the system which census data to use during geocode and the creation of maps, which CRA & HMDA edits apply and which demographic information to use when calculating borrower income levels.

In File Manager, what is the difference between “New” and “Add”

New creates an empty file.  Add allows you to place a CenTrax file that has been removed or archived back on the list.

Data Collection & Importing

What is a Lookup Table

Lookup Tables set up the translation between the original data, which is usually a code, and a longer more useful description.  There are 12 fields in CenTrax that are part of the Lookup Table:  Account Type, Branch Codes, Compensating Factors, Data System ID, Call Codes, Collateral Codes, Purpose Codes, Line of Business, Officer, Products, Regions, and User Decline Reasons.  All of these fields are optional for data collection and are used for analysis only.

What is a UDF

UDFs (User Defined Fields) are added to store information when there is no standard field in CenTrax for that data.  Each Bank in CenTrax is allowed 50 User Defined Fields.  UDFs can be numeric, character or date format.

Can I change my UDFs in File Manager

Yes, UDFs can be changed in File Manager.  However, CenTrax files that do not have the same User Defined Field Definitions cannot be combined without losing some UDF information.  It is best to keep your Bank Configuration updated and to create files with consistent UDF information.

What is the purpose of the “HMDA Verification” checkboxes

The Verification boxes at the bottom of the HMDA screen allow you to indicate that certain information has been validated.  When you check the box, it will prevent you from continuing to see the Quality edits associated with income or balance or Quality and certain CenTrax edits for race/gender/ethnicity.

Why can’t I type an “NA” in the income, rate spread or MSA fields as is required for the HMDA LAR

The income and rate spread are numeric fields that do not allow letters.  All of these fields are automatically populated with “NA” as required when you create the HMDA LAR.

How is Loan Term calculated in CenTrax

CenTrax does not calculate term.  You must import the term information.

What is the difference between the Account Number and the Loan Number in CenTrax

The Account Number is required for all records and will be reported on your HMDA LAR and as part of the CRA LR Micro-Data. The Loan Number is optional and is for any other identifying data you wish to collect. Keep in mind that you may use different terms, such as application number, for these fields in your institution.

Does CenTrax provide an audit trail

Features such as import definitions, filters and assessment areas in CenTrax capture the Last Used Date but do not show who used the feature or how it was used. Individual records in your data file contain the Entry Date (when the record was added to the file), the Maintenance Date (last time the record was modified in any way), and information on the User and what they did (imported, edited, geocoded, replaced, etc.). This only shows the last activity. We do not capture all historic activity at the record level.

Can I manually enter a record

Yes, you can manually enter a record in File>Data Entry / Edit. If you are entering a CRA record, go to the CRA button. If you are entering a HMDA record, go to the HMDA button. Select New and enter the transaction information. When all information is entered, click Save and then Validate to check for any edits.

How do I locate a specific record

You can locate a specific record by going to File>Data Entry / Edit (or Discovery>Research>Browse.), click Locate, select the Search By method, type in the information (Account Number, Name, Address, etc.) and click Search.

What does the “Validate” button do

The Validate feature allows you to check your data for Validity, Syntactical, Quality and CenTrax edits and to test the geocode for this record.

What does the “Replace” button do

The Replace tool is useful for changing the value of a field once it is part of the CenTrax data file. For example, if you import your data but are unable to collect certain fields, you may be able to populate the data with a Replace command. You can also use Replace commands to move data from one field to another and, with the addition of filters, can get very specific about what will happen.

Can I undo a Replace command

No, there is no undo for the Replace command. Be very careful with Replace and call for assistance if you are not sure!

What does Update Derived Fields do

Update Derived Fields allows you to update derived data (such as demographic data) or recalculate data (such as rate spread) after it was initially collected.

Should my Import Definition be year-specific

No, your Import Definitions should be specific to the source system and the layout of the file, not the year.

How do I import a .dat file

From the Main Menu, go to File>Import>DAT Submission Files. You can import your HMDA.DAT, CRA Micro Data, and/or your Assessment Area data here.

What file types can CenTrax import

CenTrax can accept five file formats: Fixed Length, Comma-Delimited, Tab-Delimited, Pipe-Delimited and Excel.

Where can I find a list of available fields in CenTrax

A complete list of standard fields can be found in Appendix A of the CenTrax User Guide.

Do the fields in my import file need to be in a certain order

No, your import file can be in any order. You will simply tell CenTrax where to look for the individual fields during the Import Definition process.

What is a Header Row

A Header Row is a descriptive row at the top of an extract file from another system. This optional row is strongly recommended in Delimited and Excel format files.

Can I collect non-reportable fields or data in CenTrax

Yes, you can collect non-reportable fields in CenTrax. You can also collect any records that you wish whether they are reportable or not, such as consumer loans and deposit data.

I want to import both Front-End and Back-End DTI (Debt-to-Income). Can I import both

Yes, one can be imported directly to the DTI field and the other can be placed in a User Defined Field.

What is a Data System ID

The Data System ID is a one-digit code maintained in the Lookup Table. It identifies where your data was imported from (such as LaserPro or Jack Henry).

What constitutes a Duplicate Account Number

A Duplicate Account Number is when you have two or more records with identical Account Numbers.

What is Data Conversion

Data Conversion allows you to modify certain fields in a specific way during import. For example, a small business loan is reported as an “01” not “1” or “small business” and a home purchase loan is a “1”, not “01” or “home purchase”. Conversion allows you to change the incoming value to the required value during import.

What information can be converted in Data Conversion

Most (but not all) character fields can be modified using Data Conversion. Date and numeric fields will be formatted during the import routine and cannot be converted. You cannot convert an incoming blank value using Data Conversion but this can be accomplished using Replace commands.

What is DataPro

DataPro is a collection of functions that can be run independently or together. This tool helps to streamline many of the processes in your data collection efforts. The five functions are: Import, Delete, Replace, Geocode and Report.

Should I use DataPro

Yes, everyone should use DataPro to import and, if needed, to manipulate and geocode the data.

How can I delete records within a file

You can delete records individually in File>Data Entry/Edit by locating the record and clicking Delete. You can also delete a group of records meeting common conditions using Delete in Discovery>Research or in DataPro. Records are “marked for deletion” at this point and can be recalled until the Remove function is run. Deleted records are automatically excluded from all reports.

How can I remove records that have been marked for deletion

Be careful when using this function! Records that have been removed cannot be recalled. To remove the records that have been marked for deletion, go to File>File Manager, click the file you want, and then click Maintenance. Choose Purge Deleted Records and click Process, Yes and then OK.

Can I recall deleted records

Records marked for deletion can be recalled individually by locating the record at File>Data Entry / Edit and clicking Recall. To recall all records that have been marked for deletion, go to File>File Manager, click the file you want then click Indexing. Choose Recall Deleted Records and click Process.

Can I use a filter to locate deleted records

Yes, you can filter to locate records that have been marked for deletion. You will do this using the 4 Step Filter in Discovery>Research: Click New; Step 1 = Account Details; Step 2 = User ID; Step 3 = Begins with; Step 4 = D.

What is a Quality Edit

These edits show you information that is statistically unusual. Edits that check whether entries in the individual data fields or combinations of data fields conform to expected values. The loan/application register cannot be submitted until the filer either confirms the accuracy of all values flagged by quality edits in the CFPB HMDA Platform or corrects the flagged values and reuploads the updated loan/application register to the CFPB HMDA Platform. CRA records should not be submitted with any outstanding edits.

What is a Validity Edit

Edits that check whether there are valid values in each data field. A validity edit occurs, for example, if the contact person’s telephone number does not follow the format “999-999-9999.” The loan/application register cannot be submitted until the filer corrects all validity edit errors and reuploads the updated loan/application register to the HMDA Platform. Additionally, you must correct validity edits within your CRA LR prior to submission to the FFIEC. Validity edits represent factual errors. The field is either blank or conflicts with the data in another field. For example, HOEPA only applies to loans that are funded, so if you say a denied application is subject to HOEPA, you will get a validity edit.

What is a CenTrax Edit

These edits are written by us and are specific to how the software operates. Some will need to be corrected; some will need to be verified. A list of CenTrax edits can be found in the CenTrax User Guide appendix.

What is a Syntactical Edit

Edits that check whether the loan/application register is in the correct format and whether the data covers the correct filing year. A syntactical edit occurs, for example, if none of the rows in the loan/application register begin with the number two (2) to indicate that the following data fields contain information relating to the reported loan or application. The loan/application register cannot be submitted until the filer corrects all syntactical edit errors and reuploads the updated loan/application register to the HMDA Platform. These edits are rare in CenTrax. They prevent your data from being uploaded by the FFIEC after submission. If you have one, you must correct it for both HMDA and CRA.

Rate Spread

What information is required for CenTrax to calculate Rate Spread

To calculate the Rate Spread, CenTrax must have the following information: Term/Introductory Rate Term, APR, Rate Lock Date, and the Fixed / Variable Rate indicator.  If any of these fields are blank or invalid, the spread will not calculate.

What does Spread Source represent

The Spread Source indicates where the spread came from.  For example, was it manually entered, imported or did CenTrax calculate it. A list of values can be found in Appendix A of the CenTrax User Guide.

What does the source “Permanent” mean for Rate Spread

When the Spread Source is set to Permanent, it indicates that the user agrees with the spread and it will not be recalculated by CenTrax or allowed to be overwritten during data collection or importing.

How often is the Rate Table updated

The Rate Table is updated weekly but CenTrax checks for an updated table each time you log into CenTrax.  You must run Internet Explorer in “compatibility mode” for this to operate properly.  If you have questions about this, please contact your IT department or CenTrax Support.

Why can’t I type an “NA” in the income, rate spread and other fields where I need to report “NA” as is required for the HMDA LAR

The income, rate spread, and other fields are numeric fields that do not allow letters.  All these fields have a check box next to them that needs to be checked to indicate you want to submit a value of “NA” when you create the HMDA LAR.

When should I check the “Not Reg Z” box

You should check the “Not Reg Z” box when a record is not subject to the Reg Z requirements.  CenTrax cannot determine whether a record is subject to these rules, it can only bring to your attention the possibility that these rules may or may not apply based on validity and quality edits.

What does Geocode Source represent

The Geocode Source indicates where the geocode came from.  For example, was it manually entered, imported or did CenTrax geocode it. A list of values can be found in Appendix A of the CenTrax User Guide.

What does the source “Permanent” mean for Geocode

A geocode source of “Permanent” prevents CenTrax from changing or overwriting the geocode currently on the record.  This should only be used if the geocode has been verified or obtained from an outside source and documentation is available to prove accuracy.

Geocode

Can I import geocode

Yes, you can import geocode information provided it is included on your extract and the fields are mapped on the import definition.

How is demographic information assigned

When records are geocoded by CenTrax the demographic information is automatically applied at the time the geocode is applied.  When geocode is imported, demographic information is added for all records with valid geocode for the year of the active file.  Borrower Income levels require that the record contain both a valid geocode and an annual income.  Information on the values for each of the demographic fields can be found in Appendix A of the CenTrax User Guide.

What is the purpose of the manual geocode feature

The manual geocoder will allow you to try and obtain a valid geocode where CenTrax was unable to automatically geocode the record.

Why does the geocode in CenTrax sometimes differ from the geocode provided by FFIEC

The FFIEC and CenTrax purchase their data from different vendors.  A difference between sources does not automatically mean that what you have in CenTrax is wrong.  Please refer to the whitepapers link on the main page of the website to read Geocode:  An Inconvenient Truth for more information about this topic.

Should I ever purge my geocode

Purging your geocode would be very rare.  You should ALWAYS contact Marquis prior to purging your geocode.

What options do I have if my addresses will not geocode in CenTrax or on the FFIEC website

Your best option would be to locate the address using a mapping site such as Google Maps, Google Earth, or MapQuest and then match that to the maps in FFIEC to determine the geocode information.  There is an example of this in the Geocode chapter in the CenTrax User Guide.

If my address is outside of an MSA, should I enter 99999 as the MSA

No, if your address is located outside of an MSA, the MSA field should be blank.

What is the difference between a geocode error and a geocode exception

A geocode exception is when an address cannot be geocoded based on the address provided.  A geocode error indicates that the geocode combination (state/county/tract/MSA) entered in CenTrax is not a possible combination for the year of the active data file.

Assessment Areas

What is the difference between a Tract Group and an Assessment Area

Assessment Areas are reported on your CRA LR and will be the area on which your examiner will rate your institution.  Tract Groups are not reported therefore, they can be anything you want.  They are created the same way and you distinguish one from the other by checking the Assessment Area box on the setup form.

Should I check the Assessment Area box when I create a Combined Assessment Area

No, you should only check the Assessment Area box on the assessment areas that will be reported on you CRA LR.  Combined Assessment Areas do not meet the regulatory definition as they consist of multiple Assessment Areas.  These should be created as Tract Groups and be used for analytical purposes only.

Submission and Resubmission

How do I resubmit HMDA or CRA

Resubmission files are created in the same way as a submission file.  There is no difference in the process.  Please refer to the submission guidelines in the Documentation area for instructions or contact Technical Support for assistance as needed.

Why do I need the FFIEC software (CRA) and CFPB HMDA Platform (HMDA) to do the submission

The FFIEC software is required for the encryption and submission of the CRA LR.  The CFPB HMDA Platform is required for validation of any remaining edits and submission of the HMDA LAR.

What if my CenTrax reports do not match the edits on the CFPB Platform or reports within FFIEC software for CRA

You should contact CenTrax Support or your Client Relationship Manager.   Our support team will discuss the differences with you and assist in troubleshooting your items.

Can I submit my HMDA LAR or CRA LR late

No, you cannot submit late.  You must submit by the published deadline.

How do I create the files my examiner is requesting for the CRA or Fair Lending Exam

For HMDA, you can simply send the unencrypted file for the year you are submitting.  For CRA, you will need to create the file in Micro Loan Format.  We offer complete instructions for these steps in the Be Exam Ready guide which can be found in the Documentation section of our website.

Report and Analysis

Can I export loan data from CenTrax

Yes, CenTrax files can be exported in a variety of formats including database, comma-delimited and Excel.

Can I export reports from CenTrax to Excel

Yes.  In the output section select File (rather than Printer or Screen).  You will be asked to provide a file name and location for the output file and then you will select a format such as Excel or PDF.

I run the same reports every month. How can I simplify this process

The ReportPro feature is designed to group together frequently run reports so they can be run as a series.

What are the best reports to run for Demographics

There are several reports available to answer a variety of questions but we would start with the Demographic Summary Report (first report in the Demographic section) and the Demographic Information for Assessment Area (in the Exam Tables generator).

What reports should I run prior to a CRA Exam

There are a number of reports available to help you prepare for your CRA exam but we would start with the Exam Tables (in the Discovery menu), the Tract Activity report for gaps in lending (in the CRA group) and the Inside/Outside Summary for inside/outside of assessment area ratio (in the CRA group).  Maps can also be helpful when preparing for a CRA exam.

What reports will give me general counts for the records in my file

The best report for this is the File Summary in the System/Other group.

Can I pick a random sample in CenTrax

CenTrax offers two sampling options:  the Customer Account Register and SamplePro.  The Customer Account Register prints paper copies of the sampled records.  SamplePro creates a custom Excel spreadsheet containing fields you select.

How do I know who my peers are

Determining the list is up to you and will likely involve reports both from CenTrax and from other sources such as the FDIC’s website (such as the Market Share of Deposits or summary information at the institution level).  When determining who to include, you can take a variety of factors into consideration such as asset size, branch distribution, market area, strategic focus and regulatory agency.  Some examiners will list the peers they used during the CRA Exam in your Public Evaluation.  For Fair Lending, many regulators are using the Market Share report and considering any institution your peer if they have half your amount of lending to double your amount – regardless of other factors such as regulatory agency or size.  Once you have a list of peers selected you can add them to CenTrax under the Setup>Institution Groups list for use in targeted analysis.  You can contact your account manager at Marquis for further guidance on selecting peer institutions.

Mapping and Graphing

Can I create maps in CenTrax

Yes, maps can be created under Discovery>Research>Maps.

Can I create maps directly in Maptitude

Yes.  There is a user guide available to assist you in the Documentation section of our website.

Do I need to upgrade my copy of Maptitude

Generally, no.  Updates to the census tract layers are provided by Marquis.  Unless you are doing a large amount of custom mapping, you do not need to update Maptitude.  If you are considering updating, please contact Marquis Support before you do to ensure compatibility with the CenTrax interface.

Can I create graphs in CenTrax

Yes, graphs can be created under Discovery>Research>Graphs.

Can I show my Branches on my maps

Yes.  Branches can be shown at your option.  You will need to maintain the branch layer as changes are made.

How do I create a map of an address

You will need to use an outside mapping provider such as Google Maps or MapQuest to map individual addresses.  Some address mapping can be done in Maptitude, refer to the guide for Mapping with Maptitude in the Documentation section of our website for more information.

Can I change the colors/symbols/fonts on my map in CenTrax

No, these items are automatically selected and cannot be modified.

How do I add streets to my maps in CenTrax

The street layer contains too much detail and makes maps that are very difficult to read.  They are not currently an option in CenTrax maps.

Fair Lending

What are the best reports for Fair Lending

There are a number of reports available to answer a variety of questions but we would start with Action Code Summary for underwriting (in the Fair Lending section) and the HMDA Threshold Report for pricing (in the HMDA section).  You may always contact your CRM to discuss Fair Lending monitoring opportunities.

How is the LTV (Loan-to-Value) calculated in CenTrax

LTV is not calculated by CenTrax, but you can import the field.  If you want CenTrax to perform the calculation you can import Property Value along with the Loan Amount and use a Replace command (contact Technical Support for help with the syntax of the command).

I want to import both Front-End and Back-End DTI (Debt-to-Income). Can I do that

Yes, one can be imported directly to the DTI field and the other can be placed in a User Defined Field.  The DTI field should be used for the DTI value that will be part of your HMDA submission.

What is a Compensating Factor

A compensating factor describes why you did not follow the bank policy regarding underwriting or pricing.  For example, if a borrower would have been declined based on their credit information but they were approved because of a longstanding relationship with your institution that would be a compensating factor.  You can collect up to 3 reasons per record.  This field is maintained in the Lookup Table and you can have up to 36 reasons.  Your institution may refer to these as “override codes”.

What is a Matched Pair

A Matched Pair is an applicant that is similarly situated to one or more other applicants based on a set of field tolerances.  For example, you may want to locate originated customers and compare them to declined applicants whose credits scores are within 10 points of each other.

Is Matched Pair testing the same as a Comparative File Review

Essentially, yes.  Matched Pairs are targeted using specific criteria you define in the system while sometimes Comparative File Reviews may rely on less specific samples of data.

Can you do a Fair Lending analysis with just HMDA data

Yes.  You can calculate disparities for underwriting and pricing and compare levels of assistance for race, gender, ethnicity, income and other demographic and applicant factors.

What does the term “Control” mean

Control refers to the applicant you are comparing all other applicants.  This will generally include non-minorities, males and those applicants living in higher income and/or low-minority areas.

What does the term “Target” mean

These are the applicants to whom you are comparing to the Control applicant.  This will generally include minorities, females and those applicants living in lower-income and/or high-minority areas.

What is Joint Race

Joint Race takes into consideration all 5 race fields selected by both applicants on a HMDA record.  The CenTrax User Guide contains a list of these values and descriptions and examples of the derived Joint Race in the appendix.

Is Joint Race different from Applicant Race

Yes, Joint Race considers all race selections of both borrowers while applicant race is just the race of the first applicant.

Will CenTrax assign an ethnicity or gender Proxy

If you have the Fair Lending features then you can optionally have CenTrax assign a value for ethnicity and/or gender based on the name of the applicant.  Ethnicity indicates whether the surname of the applicant is Hispanic/Latino and Gender indicates whether the first name is considered male or female.  This is just a guess and you should use this information with that in mind.

Why do the names Chris, Kelly, Pat, etc. not find a match when running the Gender proxy

If a name is common to both males and females the system will not assign it to either.  Sometimes the spelling will cause a name to proxy – Kelli and Kellie will proxy as female but Kelly does not proxy.  Using the long form of the name also can help – Patricia and Patrick both proxy but Pat does not; Christina and Christopher do, Chris does not.

I noticed that the proxy for a borrower is wrong. I know that borrower and they are not what it says they are. Should I change it

We do not recommend you modify either the record or the information in the system based on your personal knowledge of a single borrower.  For example, the system will proxy Logan as a first name to male.  If you know the Logan in question is female, we do not recommend you change the information.  Your examiner will not know the borrower and cannot contact them to verify the information.  Proxy information is a tool and is not expected to be 100% accurate.

Why is there no Proxy for race

In general, first and last names are not specific to individual races.  Someone with the last name Smith could be American Indian, Black, White, etc. or could be of more than one race.  You can use Minority Level of the Census Tract as a proxy for race.   If the borrower is in a tract that is less than 50% minority they would be considered not minority; if they are in a tract that is greater than 50% minority, they would be considered a minority.

Will CenTrax assign a Proxy for Asian names

Currently CenTrax does not proxy any race fields including Asian.  If you wanted to set up your own proxy, you can build a list of names using filters or targeted high Asian population census tracts using the Tract Group feature.  This should be done with careful consideration and under the advice of your internal counsel.

General System, Security, Users & Miscellaneous

Can I pass data between CenTrax and c/dTrax

No, data cannot be passed between CenTrax and c/dTrax.

How do I know what version of CenTrax I am on

From the Main Menu, choose Help>About CenTrax.

Where can I find my CenTrax License Number

From the Main Menu, choose Help>About CenTrax.

Why are all of the menu options grayed out (disabled)

If all of the menu options are grayed out, you need to set a file active under File>File Manager.  If you are unable to access File Manager, you need to activate a bank under Setup>Banks before you continue.

I forgot my CenTrax password, how can I reset it

Your CenTrax System Administrator will need to reset your password.  The CenTrax Administrator’s Guide has instructions for this (in the Documentation section of this website) or you can contact CenTrax Support for assistance.

What are the password requirements for CenTrax

Passwords can be any length up to 16-digits and they must include 3 of the 4 password elements: upper case letters, lower case letters, numbers and symbols.

Where can I get an electronic copy of the CenTrax User Guide

A PDF version of the CenTrax User Guide can be found under Help>Help Topics or in the root of the CenTrax installation as CenTraxUserGuide.PDF.

How often should I backup CenTrax

CenTrax, all of its components and subdirectories and all of your data should be backed up daily.

Should CenTrax be included in my Disaster Recovery Plan

Yes.

What is the purpose of System Maintenance

System maintenance utility is used to refresh and clean up CenTrax program files.  This feature does not touch data files you have created at File>File Manager.

When should I run System Maintenance

System Maintenance can be run as often as you feel is appropriate.  If Assessment Areas are modified, added, or deleted, a message will appear suggesting that you perform maintenance.

How long should I maintain data within CenTrax

The data should be maintained on your system until after your institution has been examined on that year for CRA or until the Public File requirement for HMDA is reached.

When can I archive files in CenTrax

You can archive files at any time but we recommend files that have not been examined be maintained on your File Manager list.

How do I set the path for Aggregate Data

To set the path for Aggregate Data, go to System>Preferences and under the System Paths tab, point to where the Aggregate Data was installed.  They will read HMDAXXXX or CRAXXXX (the XXXX indicates the year of the data).

When is the Aggregate Data released

The new Aggregate Data is typically released in the fall.

What Consulting Services are available through Marquis

We offer a large variety of consulting services.  We encourage you to contact your Relationship Manager for complete information.

Community Development

Can I capture Community Development Loans in CenTrax

Yes, but you must enter your community development data as individual records in CenTrax.  You will not enter them as a single line entry as you do in the FFIEC software.  When entering these records, be sure to leave the CRA Type blank, set the CRA Qualified field to Yes and set the Community Development field to Yes.  You will also fill in the other required fields such as address, dates, amounts, etc.