Final answer:
The Home Mortgage Disclosure Act (HMDA) requires banks to make public certain information about home buying loans, which helps in evaluating and ensuring fair lending practices.
Step-by-step explanation:
The regulation that aids examiners in evaluating lending practices in the communities lenders serve by making certain lending practices public record is the Home Mortgage Disclosure Act (HMDA). This act requires banks to publicly disclose information about the loans they make for buying houses, including how these loans are distributed geographically and by sex and race of the loan applicants. This public disclosure enables the monitoring of compliance with various consumer protection laws and helps ensure that all applicants are treated fairly, regardless of race, sex, or other prohibited bases of discrimination.