As a result, we maintain a low fixed-cost structure which, combined with our recurring fee-based models, enables us to capitalize on the economic benefits of the franchising model, yielding high margins and significant cash flow. However given the evolving nature of crime and terrorist activities, it is not possible to completely abandon the law. She has been an investor, entrepreneur, and advisor for more than 25 years. The Home Mortgage Disclosure Act (or HMDA, pronounced HUM-duh) is a United States federal law that requires certain financial institutions to provide mortgage data to the public. 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 . With a patchwork of state and local rules mandating face coverings in public places, companies are left to enforce their own mask policies. In formulating the law, Congress believed that some mortgage lending institutions contributed to declining development in certain areas by denying home mortgages to otherwise qualified applicants. The history of the Home Mortgage Disclosure Act (HMDA) is best understood in a broader context of fair housing. [31] Later in the year additional datasets are published including the Snapshot,[32] a point in time copy of HMDA of all three annual HMDA datasets, and Dynamic, TS and LAR files that are updated weekly. 05/07/2012. Try to anticipate what each section will be about by thinking about the meaning of the subtitle. Fair Housing Act (FHA), Equal Credit Opportunity Act (ECOA) and the Home Ownership Protection Act (HOEPA). Our platform targets high-risk activity with continuous monitoring and thorough document reviews. The Secretary may designate employees of the Department of Homeland Security, including employees transferred to the Department from the Office of the Federal Protective Service of the General Services Administration pursuant to the Homeland Security Act of 2002, as officers and agents for duty in connection with the protection of property owned or occupied by the Federal Government and . The Final datasets include one year of resubmissions and late submissions by HMDA reporters and the Ultimate files contain two years of late and resubmitted data. Hmda.gov.in is a Government website . Get to key data quickly and better allocate resources through advanced analytics and AI. The Dodd-Frank Wall Street Reform and Consumer Protection Act is a series of federal regulations passed to prevent future financial crises. It may not have been reviewed, commissioned or otherwise endorsed by any of our network partners. In 2019, 5,496 lenders reported 8.1 million loan originationsrepresenting 88% of the total estimated loan originations in the U.S. The Aggregate and Disclosure reports were modified in 2018 due to changes in Regulation C.[29]. Editorial Note: The content of this article is based on the authors opinions and recommendations alone. It may not have been reviewed, commissioned or otherwise endorsed by any of our network partners. 5 Protecting the things in their respective jurisdiction is a part of the government's job after all. HMDA had proposed the 100-feet road norm to avoid traffic issues in the future and encourage planned layouts. Banks are now wary of entering such relationships, insofar as they expose the lender to the liability associated with the discriminatory behavior of the partner organization. Data Point: 2019 Mortgage Market Activity and Trends, Consumer Financial Protection Bureau Issues Final Rule Raising Data Reporting Thresholds Under the Home Mortgage Disclosure Act. It is important to understand that in all cases of possible discrimination, the basic regulatory inquiry revolves around whether a protected class of persons being denied a loan or offered different terms for reasons other than objectively acceptable characteristics (e.g. [24] Additionally, historic files prior to 2014 can be found at the National Archives and Records Administration (NARA) website. Federal HMDA agencies.5 The CFPB will issue separate PIAs that address the HMDA Platform itself and the publication of loan-level HMDA data.6 A System of Records Notice is not required for the HMDA data collection, as the dataset is not searchable by a direct personal identifier. The criteria are different for depository and non-depository institutions and are available on the FFIEC website. Therefore, the primary purpose of HMDA and Regulation C is to monitor the geographic areas served by mortgage lenders. You will need to file your final HMDA data to the live system when the filing period is open. [30] The application of the balancing test resulted in some fields being redacted and others being modified in order to protect applicant and borrower privacy. The Home Mortgage Disclosure Act (HMDA) requires many financial institutions to maintain, report, and publicly disclose loan-level information about mortgages. Compliance Monitoring and Assistance. The Home Mortgage Disclosure Act (HMDA) was enacted by Congress in 1974 and has been implemented by the Federal Reserve Board's Regulation C. As of July 21, 2011, the enforcement and rulemaking authority over the HMDA transferred to the CFPB, under the provisions of the Dodd-Frank Act. See the data request order form regarding the products, their format, and availability. 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." 2022 Reportable HMDA Data: A regulatory and reporting overview reference chart . Home Mortgage Disclosure Act . Accessed Aug. 8, 2021. A\`AA tour de ro\^oole, demandez si votre partenaire fait les choses suivantes pendants ses vacances a\`aa Paris. This regulation provides the public [1], HMDA grew out of public concern over credit shortages in certain urban neighborhoods. 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). a local sporting club who quietly favors an all-white membership, is relied upon to recommend applicants. Accessed Aug. 8, 2021. Its goal is to create transparency in mortgage lending practices and protect buyers . The Home Mortgage Disclosure Act (HMDA) is a federal law that requires lenders to share their mortgage data so its possible to better determine and dismantle credit discrimination practices. Additionally, the Board assists the FFIEC in publishing the manual, "A Guide to HMDA Reporting: Getting it Right!" (available at 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. This Act compromises with constitutional values such as freedom of speech, personal liberty and the right to a fair trial. It also updated the law to require that lenders report a greater amount of data. HV TSWY De BX Hm$Af#RT Z+LQ*UGTR}PEm9g9sNw% (,UL$ zC?,@=H7Y .K@p4 1B Property Value, Prepayment Penalty Term, Automated Underwriting System. 1601 et seq. The Board also provides guidance about HMDA through a staff commentary (12 CFR Part 203, Supp. "Home Mortgage Disclosure (Regulation C)," Pages 8-9. ~Q_H '.g;~' `Oz"B!\ E3GnR3U .Uid0sC@l A9Nn9 }7]KpZ1'YC&!^09esya\d4X&~FH` This data also allows regulators, public officials, and consumer watchdogs to monitor trends in mortgage borrowing and lending for compliance with fair housing and other laws and to direct housing investment and government funding to areas where it is needed. Analyzing Your Bank's Financial Statement Seminar - Virtual. The current policy for the Sale of free items, which is a part of our Other restricted businesses . Last Modified: A U.S. federal law that requires financial institutions to provide certain mortgage data to the public. Purpose, What Is the Community Reinvestment Act (CRA)? It is seen as vital for empowering all citizens, including vulnerable and excluded . READ 2 15 U.S.C. Consumer Financial Protection Bureau. authority to the CFPB to supervise for and enforce compliance with RESPA and its . Home Mortgage Disclosure Act - HMDA: A federal act approved in 1975 that requires mortgage lenders to keep records of certain key pieces of information regarding their lending practices. In addition to asset size and other criteria, a depository institution may be subject to HMDA reporting if they also meet certain loan origination thresholds. Originated at least 25 closed-end mortgage loans in each of the two preceding calendar years. However, if a certain ethnic group is less likely to "shop around" for the best rate, then the mere application of this principle which is otherwise non-discriminatory in intent can produce discriminatory effects. The Home Mortgage Disclosure Act (HMDA) is a federal law that requires lenders to share their mortgage data so it's possible to better determine and dismantle credit discrimination practices. In 2012, there were 7,400 institutions that reported a total of 18.7 million HMDA records. If there is a disproportionate prevalence of high-interest loans to certain classes of borrowers (e.g., Hispanics or women), other attributes equal, then there is a reason to suspect that the institution is engaging in price based discrimination. Consumer Financial Protection Bureau. LendingTree analyzed mortgage rates by state. CFPB April 2015 RESPA 4 Contents of the HMDA data collection for 2017[20] and prior: New or changed contents of the HMDA data collection for 2018[22] and onward: HMDA data products are hosted on behalf of the FFIEC by the Federal Reserve Board[23] for data HMDA collections for 2016 and prior and the CFPB for HMDA collections 2017 and later. HMDA data are the most comprehensive source of publicly available information on the U.S. mortgage market. loan data that can be used to assist: This regulation applies to certain financial institutions, including banks, savings associations, credit unions, and other mortgage lending institutions. LendingTree is compensated by companies on this site and this compensation may impact how and where offers appears on this site (such as the order). ANKARA, Turkey (AP) Turkish authorities on Friday said preliminary work has started to build housing for people left homeless by the massive earthquake that hit parts of the country and neighboring Syria, killing tens of thousands. Filing; HMDA Beta. Collection Method Questions for HMDA. Examples of statistics released include the average loan amounts, number of home mortgages approved, number of pre-approvals made, and the purpose of the individual mortgage loans. The Home Mortgage Disclosure Act (HMDA) is a U.S. federal law that was enacted in 1975, and it requires financial institutions to provide certain mortgage data to the public. The Hyderabad Metropolitan Development Authority ( HMDA) is the urban planning agency of Hyderabad in the Indian state of Telangana. Federal Regulation C requires lenders to prominently display a poster in every branch office lobby that provides information on requesting their unique HMDA statistics. Checks and balances refers to a system in U.S. government that ensures no one branch becomes too powerful. It also features additional resources, such as an example complaint letter. Hmda.gov.in is a Government website . Please take our survey to help us serve you better. [2], As the name implies, HMDA is a disclosure law that relies upon public scrutiny for its effectiveness. For suggestions regarding this site, Contact Us. hmda enables the government to enforce which act. (a)(2), is title III of Pub. As the United States' first unified border entity, CBP takes a . 2020 HMDA national loan-level data products, and aggregate and disclosure reports. Hispanics), or genders (typically women), then there is reason to suspect that the institution may be discriminating against these classes of borrowers by unfairly denying them credit. denials based on a protected category). The Home Mortgage Disclosure Act (HMDA) is a law passed in 1975 that mandates mortgage lenders maintain certain records. @gc V"*fy98!]YpI.M}>;GBwV/Wy?NSw*w6:;>|Q;![{>YKNdE:*bWnlR81e1z,+g{=,9U4! Office of Policy Development and Research (PD&R). L. 104-208, Div. This domain provided by registry.gov.in at 2009-01-21T05:20:22Z (13 Years, 302 Days ago) , expired at 2023-01-21T05:20:22Z (0 Years, 62 Days left). =cc{^r3bX,8 Sk8lDOS(j85ZT|F?^2=$D $q!h _ *I"cZ`uFct5LUU*PP(3t$16zdHl)h+? Before the U.S. Congress enacted the HMDA law, the public continually raised concerns about mortgages and the absence of mortgage facilities in certain urban, minority neighborhoods. The data are used by government agencies, consumer groups, and bank examiners to determine compliance with various federal fair housing and credit laws including the Equal Credit Opportunity Act, the Fair Housing Act, the Community Reinvestment Act (CRA), and state laws. Review transactions and documents faster. . ).Except as otherwise provided herein, this part applies to all persons who are creditors, as defined in 1002.2(l), other than a person . Travelers to mainland China may face additional testing requirements to enter some facilities or events. 2021 A Guide to HMDA Reporting: Getting It Right! Violations may also be discovered from tips/complaints received by . The Federal Financial Institutions Examination Council (FFIEC) is an interagency body of the U.S. government made up of several U.S. financial regulatory agencies. Agency for Healthcare Research and Quality (AHRQ) Agency for International Development (USAID) Agency for Toxic Substances and Disease Registry. The Transmittal Sheet contains self reported information related to HMDA reporters. Its goal is to create transparency in mortgage lending practices and protect buyers in the residential mortgage market. Enforcement of the community's rights and regulations to prevent . The CFPB recently announced three annual adjustments. Accessed Aug. 8, 2021. Then, write the letter of the command below that best relates to each subtitle in the reading. HMDA (Regulation C): The asset threshold at which banks are exempt from collecting data increased to $50 million in 2022 from $48 million. Governors. 12/21/17 -- Information about the upcoming, 11/13/17 Two fields have been updated in the 2017 Census Data, the FFIEC Estimated MSA/MD non-MSA/MD Median Family Income and Estimated Tract Median Family Income. [17] Additional tools are made available by the FFIEC to facilitate compliance with Regulation C.[18], The Economic Growth, Regulatory Relief and Consumer Protection Act allowed small banks to claim partial exemptions from reporting certain data fields if their Community Reinvestment Act ratings were not low and they were below certain counts for mortgage activity.[19]. Some changes include: On behalf of the FFIEC, the CFPB maintains a HMDA compliance guide that is publicly available and contains information on how and what to report in the data collection. The lenders are required to maintain and disclose their yearly data on the communities they serve and specific borrower characteristics. Many disputes between lenders and regulators in the context of price discrimination relate to such scenarios. October 1, 2016 - March 31, 2017 Semi-annual report of the Consumer Financial Protection Bureau 1 SEMI-ANNUAL REPORT OF THE CFPB, SPRING 2017 Message from Richard Cordray A. Initial dataset publications are referred to as the Modified LAR and are available on 3/31 of each calendar year. 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). Yet several recent studies using HMDA data still detect racial and ethnic disparities in lending activity, even when factors such as income are accounted for statistically. The LAR must contain the data outlined in the Filing Instruction Guide (FIG) for the relevant collection year for all covered applications or loans.[8][9][10][11]. The Home Mortgage Disclosure Act (HMDA) requires many financial institutions to maintain, report, and publicly disclose loan-level information about mortgages. In each branch office. Rather, redlining must be quite overt to draw attention (e.g. M-15-13 calls for "all publicly accessible Federal websites and web services" to only provide service through a secure connection (HTTPS), and to use HTTP Strict Transport Security (HSTS) to ensure this. In 1980, the Federal Financial Institutions Examination Council (FFIEC) was tasked with the role of facilitating public access to mortgage information based on the HMDA act. public-sector investments so as to attract private investment FFIEC Rate Spread Calculator (only one set is incorporated due to technical limitations). Such discrimination is illegal in the United States. Here are some mortgage details recorded in the LAR: The Home Mortgage Disclosure Act was enacted following increasing concerns about credit shortages in certain urban, often minority, neighborhoods. Indian Tribes and Resources for Native Americans. Administrative Office of the U.S. Courts. Form 10-K (annual report [section 13 and 15(d), not s-k item 405]) filed with the SEC This type of monitoring, however, has been particularly effective as reducing implicit or referral based discrimination, where a discriminatory body, e.g. Illegal disparate treatment occurs when a lender bases its lending decision on one or more of the prohibited discriminatory factors covered by the fair lending laws, for example, if a lender offers a credit card with a limit of $750 for applicants age 21 through 30 and $1,500 for applicants over age 30. LendingTree analysts used Census data to get a full picture of how housing costs can vary in each of the nations 50 states. Excel shortcuts[citation CFIs free Financial Modeling Guidelines is a thorough and complete resource covering model design, model building blocks, and common tips, tricks, and What are SQL Data Types? Specifically, the law requires lenders to maintain records of their lending practices. The Home Mortgage Disclosure Act (HMDA) was enacted by the Congress in 1975 and is implemented by the Federal Reserve Board's Regulation C (12 CFR Part 203). using zip codes as a lending criterion). Mortgage lenders who meet the required reporting criteria are required to submit yearly mortgage data to their regulatory authorities. Which answer correctly identifies three of these mandatory data points? Under HMDA and Regulation C, certain mortgage lenders are required to maintain records of specified mortgage lending information for reporting purposes. Guides to how the CFPB will supervise and examine entities under its jurisdiction for compliance with Federal consumer financial law. Maintained by the FFIEC. She is a FINRA Series 7, 63, and 66 license holder. Eighty House Republicans voted with Democrats on Tuesday to pass the Immunization Infrastructure Modernization Act, which if passed by the Senate and signed into law would fund a federal vaccination database. Which structure listed below is considered a residential dwelling for HMDA purposes? L. 94-200, Dec. 31, 1975, 89 Stat. While these statistics are of natural interest to potential borrowers, they can also be an important research tool for investors researching banking and lending stocks. You can learn more about the standards we follow in producing accurate, unbiased content in our. HIMARS and Javelin are big part of the order to be sent to Ukraine by the US, Lockheed Martin CEO James Taiclet said in an interview with Bloomberg's Tom Mackenzie . A. This reading is divided up into six sections. List of Excel Shortcuts 2022 A Guide to HMDA Reporting: Getting It Right! 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. p 'Ja@$8iGbW9m2;Mot'xX!u#H1}C&'rpD|xPdS5R#~PYki{KCay%SH\3d05;2jg3QA~'/P&OxPVi"RE'3 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). The Truth in Lending Act (TILA) is a federal law enacted in 1968 to help protect consumers in their dealings with lenders and creditors. Regulation C is a regulation that orders depository institutions to annually disclose loan data about the communities they serve. Congress enacted HMDA in 1975. NARA files include the statistical aggregates collected prior to 1990, the transaction level data collected in 1990 and onward, and the Aggregate[25][26] and Disclosure[27][28] reports produced from those data. What is one of the primary purposes of HMDA? discriminatory lending patterns. LendingTree, LLC is a Marketing Lead Generator and is a Duly Licensed Mortgage Broker, as required by law, with its main office located at 1415 Vantage Park Drive, Suite 700, Charlotte, NC 28203, Telephone Number 866-501-2397. 7001 . ", 2021 Reportable HMDA Data: A regulatory and reporting overview reference chart Reference tool for HMDA data required to be collected and recorded in 2021 and reported in 2022, as well as when and how to report HMDA data as not applicable., 2020 Reportable HMDA Data: A regulatory and reporting overview reference chart Reference tool for HMDA data required to be collected and recorded in 2020 and reported in 2021, as well as when and how to report HMDA data as not applicable., 2019 Reportable HMDA Data: A regulatory and reporting overview reference chart Reference tool for HMDA data required to be collected and recorded in 2019 and reported in 2020, as well as when and how to report that HMDA data as not applicable., 2018 Reportable HMDA Data: A regulatory and reporting overview reference chart Reference tool for HMDA data required to be collected and recorded in 2018, and reported in 2019, as well as when and how to report that HMDA data as not applicable.. 29: Home Mortgage Disclosure." Timothy has helped provide CEOs and CFOs with deep-dive analytics, providing beautiful stories behind the numbers, graphs, and financial models. If an institution turns down a disproportionate percentage of applications by certain races (e.g. What Is the Racial Wealth Gap? This is a slight decrease from the 57.2% of those loans that they made in 2018. Here are further resources if youd like more information on how to make a complaint, what your rights are and where you can find local help. The public data are modified to protect applicant and borrower privacy. Finally, the FIRREA amendments of 1989 require the collection and 2015-2020 Key dates timeline One page overview of the effective dates for different elements of the rule. The NARA files include both Final and Ultimate datasets. "Do Home Mortgage Disclosure Act Data Prove Lending Discrimination?" LendingTree does not include all lenders, savings products, or loan options available in the marketplace. User Select Tract. Access to information - and its constraints. "About the FFIEC." inspector training, credentialing and support. They essentially have two options: have different GMI collection procedures for closed- and open-end applications; or collect HMDA GMI beginning in 2018 and report in 2019. income, collateral). "Consumer Financial Protection Bureau Issues Final Rule Raising Data Reporting Thresholds Under the Home Mortgage Disclosure Act." 2575--the secondary mortgage market enterprises regulatory improvement act 108th congress (2003-2004) Accessed Aug. 8, 2021. UAPA gives unfettered powers to the government and leaves a person vulnerable in front of the government. ?>,x>)+>;_1Y)'3]4cBE!i-^mz-kZsX:r KD.Z mAOSY09k^Usreu a_o sONI-OM||A]ep BtIo5\o:lT,X>0*nqr~Ia?q}VIUn'Nl-? UJunx: |&%V=Lw The National Housing Act, passed in 1934 to strengthen the residential real estate market, created the Federal Housing Administration (FHA). HMDA was originally enacted by Congress in 1975 and is implemented by Regulation C. Each year, millions of people apply for mortgages. in determining whether 06/15/2022 11:55 AM. CFPB Announces Annual Adjustments Under HMDA, TILA, and FCRA. Disparate Treatment. The data is anonymized and released annually. By comparing the most recent few years' statistics, an investor can easily identify whether or not a lender is growing its core business. rstack456. Background and Summary . Definition, Statistics, and Impact, Racial Bias in Medical Care Decision-Making Tools, The Insurance Industry Confronts Its Own Racism, What Is Redlining? The HMDA also helps support government-sponsored community investment initiatives by providing a means for analyzing the allocation of resources. The share of loans using government insurance was unchanged from 2018, when 33% of home purchase . However, note that few banks are found to be in violation of redlining clauses, as many pricing or approval models that are deemed legally valid are driven by factors with the implicit effect of redlining geographic areas if these areas contain a disproportionate number of poorly qualified borrowers. Best Mortgage Lenders. If you have a question about the Bureaus rules and the statutes we implement, please first review the regulations and official interpretations (commentary) as well as the available guidance and compliance resources. African Americans), ethnicities (e.g. to areas where it is needed; and in identifying possible When autocomplete results are available use up and down arrows to review and enter to select. EPA works with its federal, state and tribal regulatory partners through a comprehensive Clean Air Act compliance monitoring program.Compliance monitoring ensures that the regulated community obeys environmental laws/regulations through on-site inspections and record reviews that can lead to enforcement when necessary. The entire Home Mortgage Disclosure Act can be found in Title 12, Chapter 29 of the United States Code. Using the loan data submitted by these financial institutions, the Federal Financial Institutions Examination Council (FFIEC) creates aggregate tables for each metropolitan statistical area (MSA) or metropolitan division (MD) (where appropriate), and individual institution disclosure reports. While both laws play a part in current fair lending enforcement, neither prohibits discriminatory lending, so neither is dened as a fair lending law. 1 Pub. 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 >> 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