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) September 1, 2004

RESIDENTIAL  ACCREDIT  LOANS,  INC.  (as company  under a Pooling and  Servicing
Agreement  dated as of September 1, 2004 providing for, inter alia, the issuance
of Mortgage Asset-Backed Pass-Through Certificates, Series 2004-QS12)

                        Residential Accredit Loans, Inc.
             (EXACT NAME OF REGISTRANT AS SPECIFIED IN ITS CHARTER)

          DELAWARE                 333-107959-15               51-0368240
  (STATE OR OTHER JURISDICTION     (COMMISSION)             (I.R.S. EMPLOYER
      OF INCORPORATION)            FILE NUMBER)            IDENTIFICATION NO.)

          8400 Normandale Lake Blvd., Suite 250, Minneapolis, MN 55437
               (ADDRESS OF PRINCIPAL EXECUTIVE OFFICES) (ZIP CODE)

        Registrant's telephone number, including area code (952) 857-7000

          (FORMER NAME OR FORMER ADDRESS, IF CHANGED SINCE LAST REPORT)

                         Exhibit Index located on Page 2



<PAGE>








Item 8.01 Other Events.

On September 29, 2004,  Residential Accredit Loans, Inc. caused the issuance and
sale of the Mortgage Asset-Backed Pass-Through  Certificates,  Series 2004-QS12,
pursuant to a Series Supplement, dated as of September 1, 2004, and the Standard
Terms of Pooling  and  Servicing  Agreement,  dated as of August 1, 2004,  among
Residential  Accredit Loans, Inc., as company,  Residential Funding Corporation,
as master servicer, and Deutsche Bank Trust Company Americas, as trustee.

Item 9.01 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 September 1, 2004, and the Standard Terms of
Pooling and Servicing  Agreement,  dated as of August 1, 2004, among Residential
Accredit Loans, Inc., as company,  Residential  Funding  Corporation,  as master
servicer, and Deutsche Bank Trust Company Americas, 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/Joseph Orning
                                                 Name:   Joseph Orning
                                                Title:   Vice President


Dated:  September 29, 2004


<PAGE>


EXHIBIT 10.1

Series  Supplement,  dated as of  September 1, 2004,  and the Standard  Terms of
Pooling and Servicing  Agreement,  dated as of August 1, 2004, among Residential
Accredit Loans, Inc., as company,  Residential  Funding  Corporation,  as master
servicer, and Deutsche Bank Trust Company Americas, as trustee.
[{"type": "8-K", "sequence": "1", "filename": "qs128kss.txt", "description": "2004 QS12", "secsgml_size_bytes": 3587}]
{"company-data": {"conformed-name": "RALI Series 2004-QS12 Trust", "cik": "0001304477", "assigned-sic": "6189", "state-of-incorporation": "DE", "fiscal-year-end": "1231"}, "filing-values": {"form-type": "8-K", "act": "34", "file-number": "333-107959-15", "film-number": "041078777"}, "business-address": {"street1": "8400 NORMADALE LAKE BLVD", "street2": "STE 600", "city": "MINNEAPOLIS", "state": "MN", "zip": "55437", "phone": "952-857-7000"}, "mail-address": {"street1": "8400 NORMANDALE LAKE BLVD", "city": "MINNEAPOLIS", "state": "MN", "zip": "55437"}}
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) September 1, 2004

RESIDENTIAL  ACCREDIT  LOANS,  INC.  (as company  under a Pooling and  Servicing
Agreement  dated as of September 1, 2004 providing for, inter alia, the issuance
of Mortgage Asset-Backed Pass-Through Certificates, Series 2004-QS12)

                        Residential Accredit Loans, Inc.
             (EXACT NAME OF REGISTRANT AS SPECIFIED IN ITS CHARTER)

          DELAWARE                 333-107959-15               51-0368240
  (STATE OR OTHER JURISDICTION     (COMMISSION)             (I.R.S. EMPLOYER
      OF INCORPORATION)            FILE NUMBER)            IDENTIFICATION NO.)

          8400 Normandale Lake Blvd., Suite 250, Minneapolis, MN 55437
               (ADDRESS OF PRINCIPAL EXECUTIVE OFFICES) (ZIP CODE)

        Registrant's telephone number, including area code (952) 857-7000

          (FORMER NAME OR FORMER ADDRESS, IF CHANGED SINCE LAST REPORT)

                         Exhibit Index located on Page 2
Item 8.01 Other Events.

On September 29, 2004,  Residential Accredit Loans, Inc. caused the issuance and
sale of the Mortgage Asset-Backed Pass-Through  Certificates,  Series 2004-QS12,
pursuant to a Series Supplement, dated as of September 1, 2004, and the Standard
Terms of Pooling  and  Servicing  Agreement,  dated as of August 1, 2004,  among
Residential  Accredit Loans, Inc., as company,  Residential Funding Corporation,
as master servicer, and Deutsche Bank Trust Company Americas, as trustee.

Item 9.01 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 September 1, 2004, and the Standard Terms of
Pooling and Servicing  Agreement,  dated as of August 1, 2004, among Residential
Accredit Loans, Inc., as company,  Residential  Funding  Corporation,  as master
servicer, and Deutsche Bank Trust Company Americas, as trustee.
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/Joseph Orning
                                                 Name:   Joseph Orning
                                                Title:   Vice President

Dated:  September 29, 2004
EXHIBIT 10.1

Series  Supplement,  dated as of  September 1, 2004,  and the Standard  Terms of
Pooling and Servicing  Agreement,  dated as of August 1, 2004, among Residential
Accredit Loans, Inc., as company,  Residential  Funding  Corporation,  as master
servicer, and Deutsche Bank Trust Company Americas, as trustee.