As “raw” 2004 Home Mortgage Disclosure Act data from individual institutions became publicly available on March 31, guidance issued by federal regulators cautioned against hasty conclusions about lenders’ business practices based solely on an interpretation of new pricing data on higher-cost home loans. At the same time, the regulators – the Department of Housing and Urban Development, Federal Reserve Board, Federal Deposit Insurance Corp., Office of Thrift Supervision, and Office of the Comptroller of the…