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# When I take an application and the applicant does not want to provide race, ethnicity, or gender information, must I indicate the disaggregated categories on the Demographics page?

When indicating race, ethnicity, or gender by visual observation or surname, only the applicant may self-identify using the disaggregated ethnicity and race categories.

When a financial institution collects ethnicity, race, or gender on the basis of visual observation or surname for an application taken in person because the applicant chose not to provide the information, the financial institution must select from the aggregate categories.

For more information, please visit https://www.consumerfinance.gov/policy-compliance/guidance/implementation-guidance/hmda-implementation/.