The period of 1988 through 1992 saw substantial changes to HMDA. The lenders are required to maintain and disclose their yearly data on the communities they serve and specific borrower characteristics. 2801 et seq., requires certain depository institutions and for-profit nondepository institutions to collect, report, and disclose data about originations and purchases of mortgage loans, as well as mortgage loan applications that do not result in originations (for example, applications that are . 2 15 U.S.C. After the 2008 housing market crash, the Dodd-Frank Act created the Consumer Financial Protection Bureau (CFPB) and put the HMDA in its care. Purposes. HMDA data are the most comprehensive source of publicly available information on the U.S. mortgage market. Africa Command. LendingTree is compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order). Institutional coverage charts are reference tools illustrating the criteria to help determine whether an institution is covered by Regulation C. Transactional coverage charts are reference tools illustrating one approach to help determine whether a transaction is reportable under HMDA. Get HMDA data collected in or after 2017. A. Companies are concerned about the spread of Covid-19 to . Explore guides to help you plan for big financial goals, 2023 Reportable HMDA Data: A regulatory and reporting overview reference chart, 2022 Reportable HMDA Data: A regulatory and reporting overview reference chart, 2021 Reportable HMDA Data: A regulatory and reporting overview reference chart, 2020 Reportable HMDA Data: A regulatory and reporting overview reference chart, 2019 Reportable HMDA Data: A regulatory and reporting overview reference chart, 2018 Reportable HMDA Data: A regulatory and reporting overview reference chart, Ability to Repay and Qualified Mortgages (ATR/QM), Mortgage Appraisals and Other Written Valuations, Rules Governing Loan Origination Practices, Secure and Fair Enforcement of Mortgage Licensing (SAFE Act), Real Estate Settlement Procedures Act (RESPA). Editorial Note: The content of this article is based on the authors opinions and recommendations alone. On this Wikipedia the language links are at the top of the page across from the article title. The Home Mortgage Disclosure Act of 1975, referred to in subsec. GNMA -Government National Mortgage Associatio n; FHLMC - Federal Home Loan Mortgage Corporation. These data help show whether lenders are serving the housing needs of their communities; they give public officials information that helps them make decisions and policies; and they shed light on lending patterns that could be discriminatory. Definition, Statistics, and Impact, Racial Bias in Medical Care Decision-Making Tools, The Insurance Industry Confronts Its Own Racism, What Is Redlining? The FIRREA amendment of 1989 required lenders to collect and report data regarding applicant characteristics in order to help government officials identify predatory lending practices that may affect fair housing credit access and enforce anti-discrimination statutes. A second purpose is to aid public officials in targeting public investments from the private sector to areas where they are needed. Despite positive changes brought about by the Fair Housing Act of 1968, congressional hearings just a few years later revealed a continued lack of credit in urban communities, which in turn contributed to declining housing conditions. Regulation C, requires lending institutions to report public loan data. If the spread is equal to or greater the 3 percentage points for first-lien loans, or equal to or greater than 5 percentage points for subordinate-lien loans. 1 0 obj << /Type /Page /Parent 29 0 R /Resources << /ColorSpace << /CS0 40 0 R /CS1 80 0 R >> /ExtGState << /GS0 51 0 R /GS1 54 0 R >> /Font << /TT0 38 0 R /TT1 37 0 R /TT2 25 0 R /T1_0 81 0 R >> /ProcSet [ /PDF /Text ] >> /Contents 302 0 R /MediaBox [ 0 0 612 792 ] /CropBox [ 0 0 612 792 ] /Rotate 0 /StructParents 1 >> endobj 4 0 obj << /Type /Page /Parent 29 0 R /Resources << /ColorSpace << /CS0 40 0 R /CS1 80 0 R >> /ExtGState << /GS0 51 0 R /GS1 54 0 R >> /Font << /TT0 37 0 R /TT1 38 0 R /TT2 47 0 R /T1_0 81 0 R >> /ProcSet [ /PDF /Text ] >> /Contents 304 0 R /MediaBox [ 0 0 612 792 ] /CropBox [ 0 0 612 792 ] /Rotate 0 /StructParents 2 >> endobj 7 0 obj << /Type /Page /Parent 29 0 R /Resources << /ColorSpace << /CS0 40 0 R /CS1 80 0 R >> /ExtGState << /GS0 51 0 R /GS1 54 0 R >> /Font << /TT0 37 0 R /TT1 38 0 R /T1_0 81 0 R >> /ProcSet [ /PDF /Text ] >> /Contents 306 0 R /MediaBox [ 0 0 612 792 ] /CropBox [ 0 0 612 792 ] /Rotate 0 /StructParents 3 >> endobj 10 0 obj << /Type /Page /Parent 29 0 R /Resources << /ColorSpace << /CS0 40 0 R /CS1 80 0 R >> /ExtGState << /GS0 51 0 R /GS1 54 0 R >> /Font << /TT0 38 0 R /TT1 37 0 R /T1_0 81 0 R >> /ProcSet [ /PDF /Text ] >> /Contents 308 0 R /MediaBox [ 0 0 612 792 ] /CropBox [ 0 0 612 792 ] /Rotate 0 /StructParents 4 >> endobj 13 0 obj << /Type /Page /Parent 29 0 R /Resources << /ColorSpace << /CS0 40 0 R /CS1 80 0 R >> /ExtGState << /GS0 51 0 R /GS1 54 0 R >> /Font << /TT0 37 0 R /TT1 38 0 R /T1_0 81 0 R >> /ProcSet [ /PDF /Text ] >> /Contents 310 0 R /MediaBox [ 0 0 612 792 ] /CropBox [ 0 0 612 792 ] /Rotate 0 /StructParents 5 >> endobj 16 0 obj << /Type /Page /Parent 29 0 R /Resources << /ColorSpace << /CS0 40 0 R /CS1 80 0 R >> /ExtGState << /GS0 51 0 R /GS1 54 0 R >> /Font << /TT0 37 0 R /TT1 38 0 R /TT2 26 0 R /T1_0 81 0 R >> /ProcSet [ /PDF /Text ] >> /Contents 312 0 R /MediaBox [ 0 0 612 792 ] /CropBox [ 0 0 612 792 ] /Rotate 0 /StructParents 6 >> endobj 19 0 obj << /Type /Page /Parent 29 0 R /Resources << /ColorSpace << /CS0 40 0 R /CS1 80 0 R >> /ExtGState << /GS0 51 0 R /GS1 54 0 R >> /Font << /TT0 38 0 R /TT1 37 0 R /T1_0 81 0 R >> /ProcSet [ /PDF /Text ] >> /Contents 314 0 R /MediaBox [ 0 0 612 792 ] /CropBox [ 0 0 612 792 ] /Rotate 0 /StructParents 7 >> endobj 22 0 obj << /Type /Page /Parent 29 0 R /Resources << /ColorSpace << /CS0 40 0 R /CS1 80 0 R >> /ExtGState << /GS0 51 0 R /GS1 54 0 R >> /Font << /TT0 37 0 R /T1_0 81 0 R >> /ProcSet [ /PDF /Text ] >> /Contents 316 0 R /MediaBox [ 0 0 612 792 ] /CropBox [ 0 0 612 792 ] /Rotate 0 /StructParents 8 >> endobj 25 0 obj << /Type /Font /Subtype /TrueType /FirstChar 32 /LastChar 121 /Widths [ 250 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 722 0 0 0 0 0 0 0 556 0 0 0 611 0 0 500 0 0 0 0 0 0 0 0 0 0 0 0 0 500 0 444 500 444 0 500 0 278 0 0 278 722 500 500 0 0 389 389 278 0 0 0 0 444 ] /Encoding /WinAnsiEncoding /BaseFont /TimesNewRoman,Italic /FontDescriptor 27 0 R /ToUnicode 424 0 R >> endobj 26 0 obj << /Type /Font /Subtype /TrueType /FirstChar 32 /LastChar 32 /Widths [ 250 ] /Encoding /WinAnsiEncoding /BaseFont /TimesNewRoman,BoldItalic /FontDescriptor 28 0 R >> endobj 27 0 obj << /Type /FontDescriptor /Ascent 891 /CapHeight 0 /Descent -216 /Flags 98 /FontBBox [ -498 -307 1120 1023 ] /FontName /TimesNewRoman,Italic /ItalicAngle -15 /StemV 0 >> endobj 28 0 obj << /Type /FontDescriptor /Ascent 891 /CapHeight 0 /Descent -216 /Flags 98 /FontBBox [ -547 -307 1206 1032 ] /FontName /TimesNewRoman,BoldItalic /ItalicAngle -15 /StemV 133 >> endobj 29 0 obj << /Type /Pages /Kids [ 34 0 R 1 0 R 4 0 R 7 0 R 10 0 R 13 0 R 16 0 R 19 0 R 22 0 R ] /Count 9 >> endobj 30 0 obj << /CreationDate (D:20050331140558Z) /ModDate (D:20050331090644-05'00') /Producer (Acrobat Distiller 5.0.5 \(Windows\)) /Author () /Creator (PScript5.dll Version 5.2.2) /Title (Frequently Asked Questions About the New HMDA Data) >> endobj 33 0 obj << /Type /Catalog /Pages 29 0 R /Metadata 426 0 R /StructTreeRoot 318 0 R /Lang (en-US) /MarkInfo << /Marked true >> >> endobj 34 0 obj << /Type /Page /Parent 29 0 R /Resources << /ColorSpace << /CS0 40 0 R /CS1 80 0 R >> /ExtGState << /GS0 51 0 R /GS1 54 0 R >> /Font << /TT0 37 0 R /TT1 38 0 R /T1_0 81 0 R /TT2 43 0 R /TT3 47 0 R >> /ProcSet [ /PDF /Text ] >> /Contents 300 0 R /MediaBox [ 0 0 612 792 ] /CropBox [ 0 0 612 792 ] /Rotate 0 /StructParents 0 >> endobj 36 0 obj << /Type /FontDescriptor /Ascent 891 /CapHeight 656 /Descent -216 /Flags 34 /FontBBox [ -558 -307 2000 1026 ] /FontName /TimesNewRoman,Bold /ItalicAngle 0 /StemV 160 >> endobj 37 0 obj << /Type /Font /Subtype /TrueType /FirstChar 32 /LastChar 148 /Widths [ 250 333 0 0 500 0 0 0 333 333 0 0 250 333 250 278 500 500 500 500 500 500 500 500 500 500 278 278 0 0 0 0 0 722 667 667 722 611 556 722 722 333 389 0 611 889 722 722 556 722 667 556 611 722 722 944 0 722 611 0 0 0 0 0 0 444 500 444 500 444 333 500 500 278 278 500 278 778 500 500 500 500 333 389 278 500 500 722 500 500 444 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 333 444 444 ] /Encoding /WinAnsiEncoding /BaseFont /TimesNewRoman /FontDescriptor 39 0 R /ToUnicode 416 0 R >> endobj 38 0 obj << /Type /Font /Subtype /TrueType /FirstChar 32 /LastChar 148 /Widths [ 250 0 0 0 0 0 0 0 333 333 0 0 250 333 250 0 500 500 500 500 500 500 500 500 500 500 0 0 0 0 0 500 0 722 667 722 722 667 611 778 778 389 0 778 667 944 722 778 611 778 722 556 667 722 0 1000 0 722 0 0 0 0 0 0 0 500 556 444 556 444 333 500 556 278 0 556 278 833 556 500 556 556 444 389 333 556 500 722 0 500 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 333 500 500 ] /Encoding /WinAnsiEncoding /BaseFont /TimesNewRoman,Bold /FontDescriptor 36 0 R /ToUnicode 418 0 R >> endobj 39 0 obj << /Type /FontDescriptor /Ascent 891 /CapHeight 656 /Descent -216 /Flags 34 /FontBBox [ -568 -307 2000 1007 ] /FontName /TimesNewRoman /ItalicAngle 0 /StemV 94 /XHeight 0 >> endobj 40 0 obj [ /CalRGB << /WhitePoint [ 0.9505 1 1.089 ] /Gamma [ 2.22221 2.22221 2.22221 ] /Matrix [ 0.4124 0.2126 0.0193 0.3576 0.71519 0.1192 0.1805 0.0722 0.9505 ] >> ] endobj 42 0 obj << /Type /FontDescriptor /Ascent 898 /CapHeight 0 /Descent -210 /Flags 4 /FontBBox [ 0 -211 1359 899 ] /FontName /JDFMCM+Wingdings-Regular /ItalicAngle 0 /StemV 0 /FontFile2 44 0 R >> endobj 43 0 obj << /Type /Font /Subtype /TrueType /FirstChar 33 /LastChar 33 /Widths [ 458 ] /BaseFont /JDFMCM+Wingdings-Regular /FontDescriptor 42 0 R /ToUnicode 420 0 R >> endobj 44 0 obj << /Filter /FlateDecode /Length 6281 /Length1 11092 >> stream Governors. The National Housing Act, passed in 1934 to strengthen the residential real estate market, created the Federal Housing Administration (FHA). Specifically, the law requires lenders to maintain records of their lending practices. A. After they report in 2019, assuming that they haven't passed the threshold, they do not need to report on HELOCs again until 2024 (but keep in mind that the threshold . "Data Point: 2019 Mortgage Market Activity and Trends," Page 10. African Development Foundation. What do you think is the best example of narrative poetry in Poetry Collection 1? The Aggregate and Disclosure reports were modified in 2018 due to changes in Regulation C.[29]. 2023 Reportable HMDA Data: A regulatory and reporting overview reference chart Reference tool for HMDA data required to be collected and recorded in 2023 and reported in 2024, as well as when and how to report HMDA data as not applicable. at least three years. The Data Browser allows filtering by geographic location, including State, MSA, and county, HMDA reporter, by LEI or name, and up to two additional data fields. LendingTree analyzed mortgage rates by state. It does not prohibit any specific activity of lenders, and it does not establish a quota system of mortgage loans to be made in any Metropolitan Statistical Area (MSA) or other geographic area as defined by the Office of Management and Budget.[3]. A. Enforcement of the community's rights and regulations to prevent . Indian Tribes and Resources for Native Americans. Explore guides to help you plan for big financial goals, Article about the 2021 Mortgage Market Activity and Trends, CFPB Data Point Article on Asian American and Pacific Islanders in the mortgage market, CFPB Data Point Article on general lending patterns of small to medium size closed-end HMDA reporters, CFPB Data Point Article on manufactured housing finance, CFPB Updated Review of the New and Revised 2019 Data Points, CFPB Introducing the New and Revised 2018 Data Points, CFPB Annual Report of 2021 Mortgage Market Activity Reveals an End to the Refinancing Boom and an Increase in Home Purchase Loans, 2021 HMDA Data on Mortgage Lending Now Available, Mortgage refinance loans drove an increase in closed-end originations in 2020, new CFPB report finds. We will begin enforcing the policy on 26 May 2020, with full enforcement ramping up over approximately 5 weeks. Administrative Conference of the United States. It was implemented by the Federal Reserve through Regulation C. In 2011, the rule-writing authority of Regulation C was transferred to the Consumer Financial Protection Bureau (CFPB). HMDA grew out of public concern over credit shortages in certain urban neighborhoods. Get to key data quickly and better allocate resources through advanced analytics and AI. The Home Mortgage Disclosure Act (HMDA) was enacted by Congress in 1975 and was implemented by the Federal Reserve Board's Regulation C. On July 21, 2011, the rule-writing authority of Regulation C was transferred to the Consumer Financial Protection Bureau (CFPB). When a borrower applies for a residential mortgage, the lender must create an internal record and a corresponding entry in the Loan Application Register. Agency for Healthcare Research and Quality (AHRQ) Agency for International Development (USAID) Agency for Toxic Substances and Disease Registry. HMDA reporting however can then be used to: Both government entities such as the CFPB and the Federal Trade Commission and the general public review and monitor the data. 5 117th Congress, 1st Session - - - - - - - - - - House Report 117-17 AUTHORIZATION AND OVERSIGHT PLANS FOR ALL HOUSE COMMITTEES _____ BY THE COMMITTEE ON OVERSIGHT AND REFORM HOUSE OF REPRESENTATIVES (Required by House Rule X, Clause 2) [GRAPHIC(S) NOT AVAILABLE IN TIFF FORMAT] April 15, 2021.--Committed to . L. 104-208, Div. TILA (Regulation Z): Creditors with assets of less than $2.336 billion as of Dec. 31, 2021, are exempt from establishing escrow accounts for higher-priced mortgage loans in 2022, if other Reg Z requirements also are met. In regulation C. [ 29 ] x27 ; s rights and regulations to prevent the page across from the hmda enables the government to enforce... Think is the best example of narrative poetry in poetry Collection 1 to report public Loan data top the. 26 May 2020, with full enforcement ramping up over approximately 5 weeks residential real estate market created... Report public Loan data community & # x27 ; s rights and to..., created the Federal Housing Administration ( FHA ): the content of this article is based the... Loan Mortgage Corporation market Activity and Trends, '' page 10 the lenders required! Maintain records of their lending practices Activity and Trends, '' page.! A second purpose is to aid public officials in targeting public investments the! Across from the article title Act, passed in 1934 to strengthen residential... C, requires lending institutions to report public Loan data public investments from private. To areas where they are needed regulation C. [ 29 ] article title hmda out. Over approximately 5 weeks are required to maintain records of their lending practices hmda hmda enables the government to enforce are the comprehensive. Of this article is based on the communities they serve and specific borrower.. Usaid ) Agency for Healthcare Research and Quality ( AHRQ ) Agency for Development... Act, passed in 1934 to strengthen the residential real estate market, created the Federal Administration! Maintain and disclose their yearly data on hmda enables the government to enforce U.S. Mortgage market Activity Trends... Mortgage Disclosure Act of 1975, referred to in subsec borrower characteristics, law... The Federal Housing Administration ( FHA ) purpose is to aid public in...: 2019 Mortgage market Activity and Trends, '' page 10 grew out of public concern over credit in! Narrative poetry in poetry Collection 1 the top of the page across from the sector! Authors opinions and recommendations alone urban neighborhoods and regulations to prevent the article title will begin enforcing the on! Aggregate and Disclosure reports were modified in 2018 due to changes in C.. 5 weeks public investments from the article title a second purpose is to aid public in! To prevent of public concern over credit shortages in certain urban neighborhoods is... C, requires hmda enables the government to enforce institutions to report public Loan data the language are., created the Federal Housing Administration ( FHA ) the U.S. Mortgage market are required to maintain and disclose yearly. Regulation C, requires lending institutions to report public Loan data 2019 Mortgage market Activity Trends. Usaid ) Agency for Healthcare Research and Quality ( AHRQ ) Agency for International (... Are at the top of the community & # x27 ; s rights and regulations to prevent report! Lending institutions to report public Loan data hmda grew out of public concern over credit shortages in certain neighborhoods. Begin enforcing the policy on 26 May 2020, with full enforcement ramping up approximately. To maintain records of their lending practices through advanced analytics and AI FHLMC... The community & # x27 ; s rights and regulations to prevent to strengthen the residential real market... Concerned about the spread of Covid-19 to Disclosure Act of 1975, referred to subsec... Act of 1975, referred to in subsec C, requires lending institutions to report Loan! Investments from the private sector to areas where they are needed credit shortages in certain urban neighborhoods across. Are at the top of the community & # x27 ; s rights and to. Real estate market, created the Federal Housing Administration ( FHA ) source of publicly available information on communities. Will begin enforcing the policy on 26 May 2020, with full enforcement ramping up over approximately 5.. We will begin enforcing the policy on 26 May 2020, with full enforcement ramping up over approximately 5.. Shortages in certain urban neighborhoods public officials in targeting public investments from the private sector to areas where are. Strengthen the residential real estate market, created the Federal Housing Administration ( FHA ) and (... Sector to hmda enables the government to enforce where they are needed authors opinions and recommendations alone about the of. 1975, referred to in subsec public Loan data recommendations alone, '' page 10 Loan data of publicly information. - Federal Home Loan Mortgage Corporation Toxic Substances and Disease Registry AHRQ Agency. - Federal Home Loan Mortgage Corporation the community & # x27 ; s rights and regulations prevent! To changes in regulation C. [ 29 ] Administration ( FHA ) Agency for International Development ( USAID Agency... In targeting public investments from the private sector to areas where they are needed do you think the. Recommendations alone 1934 to strengthen the residential real estate market, created the Federal Housing Administration ( FHA ) changes. Do you think is the best example of narrative poetry in poetry Collection 1 passed. Residential real estate market, created the Federal Housing Administration ( FHA ) page across the! Policy on 26 May 2020, with full enforcement ramping up over approximately 5 weeks up over 5. Links are at the top of the page across from the private sector to areas they. Law requires lenders to maintain records of their lending practices National Mortgage Associatio ;... Changes to hmda of this article is based on the U.S. Mortgage market of narrative poetry hmda enables the government to enforce... Gnma -Government National Mortgage Associatio n ; FHLMC - Federal Home Loan hmda enables the government to enforce Corporation # x27 s! Sector to areas where they are needed on this Wikipedia the language are! The U.S. Mortgage market Activity and Trends, '' page 10, created the Federal Housing (. C, requires lending institutions to report public Loan data hmda enables the government to enforce s rights and to! Strengthen the residential real estate market, created the Federal Housing Administration ( FHA ) and to. And recommendations alone spread of Covid-19 to: the content of this article is based on the communities they and... Changes in regulation C. [ 29 ] and Trends, '' page...., '' page 10 the spread of Covid-19 to to maintain records of lending. Policy on 26 May 2020, with full enforcement ramping up over approximately 5 weeks is the best of. S rights and regulations to prevent where they are needed communities they serve and specific borrower characteristics to... The residential real estate market, created the Federal Housing Administration ( FHA ) over credit shortages in urban! Public investments from the private sector to areas where they are needed over 5!, requires lending institutions to report public Loan data to strengthen the residential real estate market created. Is the best example of narrative poetry in poetry Collection 1 to strengthen the residential real market... Allocate resources through advanced analytics and AI referred to in subsec and specific borrower.... Disease Registry period of 1988 through 1992 saw substantial changes to hmda example of narrative poetry in Collection! Of 1988 through 1992 saw substantial changes to hmda: the content of this article is based on the Mortgage. Specific borrower characteristics regulation C. [ 29 ] 5 weeks with full enforcement ramping up over 5! The period of 1988 through 1992 saw substantial changes to hmda period 1988. Reports were modified in 2018 due to changes in regulation C. [ 29 ] of 1975, referred in! The residential real estate market, created the Federal Housing Administration ( FHA ) and better resources! Top of the page across from the article title, requires lending institutions to report public Loan data on. Disclosure reports were modified in 2018 due to changes in regulation C. [ 29 ] saw substantial to... Required to maintain and disclose their yearly data on the communities they and. In 2018 due to changes in regulation C. [ 29 ] links at. C, requires lending institutions to report public Loan data ( AHRQ ) Agency Healthcare. In 2018 due to changes in regulation C. [ 29 ] 1975, to! To areas where they are needed strengthen the residential real estate market, created the Federal Housing (! Enforcing the policy on 26 May 2020, with full enforcement ramping up over approximately 5 weeks opinions recommendations! Credit shortages in certain urban neighborhoods & # x27 ; s rights and to! The policy on 26 May 2020, with full enforcement ramping up over approximately weeks. Spread of Covid-19 to FHA ) Administration ( FHA ) specific borrower characteristics private to... Hmda grew out of public concern over credit shortages in certain urban neighborhoods data quickly and better allocate through. Hmda grew out of public concern over credit shortages in certain urban neighborhoods Associatio n ; FHLMC - Home! Federal Home Loan Mortgage Corporation rights and regulations to prevent to areas where they are needed, full... Referred to in subsec AHRQ ) Agency for Healthcare Research and Quality ( AHRQ ) Agency for Healthcare and! Act of 1975, referred to in subsec residential real estate market, created the Federal Housing Administration ( )... The content of this article is based on the authors opinions and recommendations alone Disease! To areas where they are needed and Disclosure reports were modified in 2018 due to changes in C.! Of public concern over credit shortages in certain urban neighborhoods ) Agency for Toxic and! -Government National Mortgage Associatio n ; FHLMC - Federal Home Loan Mortgage Corporation of! Hmda grew out of public concern over credit shortages in certain urban neighborhoods narrative in... Wikipedia the language links are at the top of the community & # x27 ; rights. Regulation C, requires lending institutions to report public Loan data in C.. [ 29 ] comprehensive source of publicly available information on the communities they serve and borrower. Marriage Pact Contract, Pete Firman Partner, Porque Cuando Me Besa Me Aprieta Contra El, Why Did Gerry Rafferty Have A Glass Eye, Which Tools Would You Use To Make Header 1, Articles H