RESIDENTIAL ACCREDIT LOANS INC
8-K, 2000-11-08
ASSET-BACKED SECURITIES
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                       SECURITIES AND EXCHANGE COMMISSION

                             WASHINGTON, D.C. 20549

                                    FORM 8-K

                                 CURRENT REPORT

                     PURSUANT TO SECTION 13 OR 15(d) OF THE

                         SECURITIES EXCHANGE ACT OF 1934

        Date of Report (Date of earliest event reported) October 1, 2000

RESIDENTIAL  ACCREDIT  LOANS,  INC.  (as company  under a Pooling and  Servicing
Agreement dated as of October 1, 2000 providing for, inter alia, the issuance of
Mortgage Asset-Backed Pass-Through Certificates, Series 2000-QS12)

                        Residential Accredit Loans, Inc.
             (Exact name of registrant as specified in its charter)

        DELAWARE                   333-72661                 51-0368240
-----------------------------------------------------------------------
(State or other jurisdiction     (Commission)             (I.R.S. employer
    of incorporation)            file number)            identification no.)

          8400 Normandale Lake Blvd., Suite 600, Minneapolis, MN 55437
               (Address of principal executive offices) (Zip code)

        Registrant's telephone number, including area code (952) 832-7000

          (Former name or former address, if changed since last report)

                         Exhibit Index located on Page 2



<PAGE>




Items 1 through 6 and Item 8 are not included because they are not applicable.

Item 7. Financial Statements, Pro Forma Financial Information and Exhibits.

               (a)    Not applicable

               (b)    Not applicable

               (c) Exhibits (executed copies): The following execution copies of
Exhibits to the Form S-3  Registration  Statement of the  Registrant  are hereby
filed:

                                                        Sequentially
Exhibit                                                   Numbered
Number                                                  Exhibit Page

10.1 Series  Supplement,  dated as of October 1, 2000, and the Standard Terms of
Pooling  and  Servicing  Agreement,   dated  as  of  September  1,  2000,  among
Residential  Accredit Loans, Inc., as company,  Residential Funding Corporation,
as master servicer, and Bankers Trust Company, as trustee.



<PAGE>

                                   SIGNATURES

               Pursuant to the  requirements  of the Securities  Exchange Act of
1934,  the  registrant has duly caused this report to be signed on its behalf by
the undersigned thereunto duly authorized.

                                                RESIDENTIAL ACCREDIT LOANS, INC.


                                                   By:        /s/ Randy Van Zee
                                                      Name:   Randy Van Zee
                                                      Title:  Vice President


Dated:  October 30, 2000


<PAGE>


Exhibit 10.1

               Series Supplement,  dated as of October 1, 2000, and the Standard
Terms of Pooling and Servicing  Agreement,  dated as of September 1, 2000, among
Residential  Accredit Loans, Inc., as company,  Residential Funding Corporation,
as master servicer, and Bankers Trust Company, as trustee.



<PAGE>



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