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12 U.S.C. § 4561 — Prohibition of public disclosure of proprietary information

Federal law — U.S. Code and appendices · legal_authorities

12 U.S.C. § 4561 — Prohibition of public disclosure of proprietary information

**(a) In general** Subject to subsection (d), the Director may, by regulation or order, provide that certain information shall be treated as proprietary information and not subject to disclosure under [section 4543 of this title](https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title12-section4543&num=0&edition=prelim), [section 1723a(n)(3) of this title](https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title12-section1723a/n/3&num=0&edition=prelim), or [section 1456(f)(3) of this title](https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title12-section1456/f/3&num=0&edition=prelim). **(b) Protection of information on housing activities** The Director shall not provide public access to, or disclose to the public, any information required to be submitted by an enterprise under [section 1723a(n) of this title](https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title12-section1723a/n&num=0&edition=prelim) or [section 1456(f) of this title](https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title12-section1456/f&num=0&edition=prelim) that the Director determines is proprietary. **(c) Nondisclosure pending consideration** This section may not be construed to authorize the disclosure of information to, or examination of data by, the public or a representative of any person or agency pending the issuance of a final decision under this section. **(d) Mortgage information** Subject to privacy considerations, as described in section 304(j) of the Home Mortgage Disclosure Act of 1975 ([12 U.S.C. 2803(j)](https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title12-section2803/j&num=0&edition=prelim)), the Director shall, by regulation or order, provide that certain information relating to single family mortgage data

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Source file: Laws/federal/codes/united-states-code/title-12/section-4561-prohibition-of-public-disclosure-of-proprietary-information--935757494b.md
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Source location: Title 12, Chapter 46, § 4561; chapter-046-government-sponsored-enterprises.md

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Federal law — U.S. Code and appendices · legal_authorities

12 U.S.C. § 2801 — Congressional findings and declaration of purpose

**(a) Findings of Congress** The Congress finds that some depository institutions have sometimes contributed to the decline of certain geographic areas by their failure pursuant to their chartering responsibilities to provide adequate home financing to qualified applicants on reasonable terms and conditions. **(b) Purpose of chapter** The purpose of this chapter is to provide the citizens and public officials of the United States with sufficient information to enable them to determine whether depository institutions are filling their obligations to serve the housing needs of the communities and neighborhoods in which they are located and to assist public officials in their determination of the distribution of public sector investments in a manner designed to improve the private investment environment. **(c) Construction of chapter** Nothing in this chapter is intended to, nor shall it be construed to, encourage unsound lending practices or the allocation of credit.

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Federal law — U.S. Code and appendices · legal_authorities

12 U.S.C. § 4543 — Open data publication

All public data assets published by the Agency shall be— (1) made available as an open Government data asset (as defined in [section 3502 of title 44](https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title44-section3502&num=0&edition=prelim)); (2) freely available for download; (3) rendered in a human-readable format; and (4) accessible via application programming interface where appropriate.

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Federal law — U.S. Code and appendices · legal_authorities

12 U.S.C. § 1456 — Immunity of Corporation; audits and reporting requirements; data collection; Housing Advisory Council

**(a) Rights and remedies of Corporation; State qualifications or similar statutes** All rights and remedies of the Corporation, including without limitation on the generality of the foregoing any rights and remedies of the Corporation on, under, or with respect to any mortgage or any obligation secured thereby, shall be immune from impairment, limitation, or restriction by or under (1) any law (except laws enacted by the Congress expressly in limitation of this sentence) which becomes effective after the acquisition by the Corporation of the subject or property on, under, or with respect to which such right or remedy arises or exists or would so arise or exist in the absence of such law, or (2) any administrative or other action which becomes effective after such acquisition. The Corporation is authorized to conduct its business without regard to any qualification or similar statute in any State. **(b) Government audits; procedure; access to records, etc.; reimbursement of costs** (1) The programs, activities, receipts, expenditures, and financial transactions of the Corporation shall be subject to audit by the Comptroller General of the United States under such rules and regulations as may be prescribed by the Comptroller General. The representatives of the Government Accountability Office shall have access to all books, accounts, financial records, reports, files and all other papers, things, or property belonging to or in use by the Corporation and necessary to facilitate the audit, and they shall be afforded full facilities for verifying transactions with the balances or securities held by depositaries, fiscal agents, and custodians. A report on each such audit shall be made by the Comptroller General to the Congress. The Corporation shall reimburse the Governmen

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Federal law — U.S. Code and appendices · legal_authorities

12 U.S.C. § 1747g — General powers of Government National Mortgage Association and Federal National Mortgage Association

**(a) Seal, and other matters incident to operation** Each of the bodies corporate named in [section 1717(a)(2) of this title](https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title12-section1717/a/2&num=0&edition=prelim) shall have power to adopt, alter, and use a corporate seal, which shall be judicially noticed; to enter into and perform contracts, leases, cooperative agreements, or other transactions, on such terms as it may deem appropriate, with any agency or instrumentality of the United States, or with any State, Territory, or possession, or the Commonwealth of Puerto Rico, or with any political subdivision thereof, or with any person, firm, association, or corporation; to execute, in accordance with its bylaws, all instruments necessary or appropriate in the exercise of any of its powers; in its corporate name, to sue and to be sued, and to complain and to defend, in any court of competent jurisdiction, State or Federal, but no attachment, injunction, or other similar process, mesne or final, shall be issued against the property of the Association or against the Association with respect to its property; to conduct its business without regard to any qualification or similar statute in any State of the United States, including the District of Columbia, the Commonwealth of Puerto Rico, and the Territories and possessions of the United States; to lease, purchase, or acquire any property, real, personal, or mixed, or any interest therein, to hold, rent, maintain, modernize, renovate, improve, use, and operate such property, and to sell, for cash or credit, lease, or otherwise dispose of the same, at such time and in such manner as and to the extent that it may deem necessary or appropriate; to prescribe, repeal, and amend or modify, rules, regulations, o

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Federal law — U.S. Code and appendices · legal_authorities

12 U.S.C. § 4513a — Establishment of the Federal Housing Finance Agency

**(a) Establishment** There is established the Federal Housing Finance Agency, which shall be an independent agency of the Federal Government. **(b) General supervisory and regulatory authority** (1) **In general** — Each regulated entity shall, to the extent provided in this chapter, be subject to the supervision and regulation of the Agency. (2) **Authority over Fannie Mae, Freddie Mac, the Federal Home Loan Banks, and the Office of Finance** — The Director shall have general regulatory authority over each regulated entity and the Office of Finance, and shall exercise such general regulatory authority, including such duties and authorities set forth under [section 4513 of this title](https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title12-section4513&num=0&edition=prelim), to ensure that the purposes of this Act, the authorizing statutes, and any other applicable law are carried out. **(c) Savings provision** The authority of the Director to take actions under subchapters II and III shall not in any way limit the general supervisory and regulatory authority granted to the Director under subsection (b).

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Federal law — U.S. Code and appendices · legal_authorities

12 U.S.C. § 2801 — Congressional findings and declaration of

Page 1462 TITLE 12—BANKS AND BANKING §§ 2709, 2710 this title shall not exceed $500,000,000. Any amounts so appropriated shall remain available until expended.’’ 1976—Subsec. (b). Pub. L. 94–375 substituted ‘‘Sep- tember 30, 1977’’ for ‘‘June 30, 1976’’. Statutory Notes and Related Subsidiaries EFFECTIVE DATE OF 2010 AMENDMENT Amendment by Pub. L. 111–203 effective on the date on which final regulations implementing that amend- ment take effect, or on the date that is 18 months after the designated transfer date if such regulations have not been issued by that date, see section 1400(c) of Pub. L. 111–203, set out as a note under section 1601 of Title 15, Commerce and Trade. §§ 2709, 2710. Repealed. Pub. L. 111–203, title XIV, § 1496(b)(7), July 21, 2010, 124 Stat. 2209 Section 2709, Pub. L. 94–50, title I, § 110, July 2, 1975, 89 Stat. 253; Pub. L. 94–375, § 13(b), Aug. 3, 1976, 90 Stat. 1075; Pub. L. 98–479, title II, § 204(m)(2), Oct. 17, 1984, 98 Stat. 2234; Pub. L. 111–203, title III, § 361, July 21, 2010, 124 Stat. 1549, related to waiver and relaxation by insti- tutions and approved mortgagees of limitations with respect to mortgage delinquencies; notification to Fed- eral supervisory agency prior to foreclosure pro- ceedings. Section 2710, Pub. L. 94–50, title I, § 111, July 2, 1975, 89 Stat. 253; Pub. L. 94–375, § 13(c), Aug. 3, 1976, 90 Stat. 1075, related to reports to Congress; time; contents. Statutory Notes and Related Subsidiaries EFFECTIVE DATE OF REPEAL Repeal effective on the date on which final regula- tions implementing such repeal take effect, or on the date that is 18 months after the designated transfer date if such regulations have not been issued by that date, see section 1400(c) of Pub. L. 111–203, set out as an Effective

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Federal law — U.S. Code and appendices · legal_authorities

12 U.S.C. § 2803 — Maintenance of records and public disclosure

**(a) Duty of depository institutions; nature and content of information** (1) Each depository institution which has a home office or branch office located within a primary metropolitan statistical area, metropolitan statistical area, or consolidated metropolitan statistical area that is not comprised of designated primary metropolitan statistical areas, as defined by the Department of Commerce shall compile and make available, in accordance with regulations of the Bureau, to the public for inspection and copying at the home office, and at least one branch office within each primary metropolitan statistical area, metropolitan statistical area, or consolidated metropolitan statistical area that is not comprised of designated primary metropolitan statistical areas in which the depository institution has an office the number and total dollar amount of mortgage loans which were (A) originated (or for which the institution received completed applications), or (B) purchased by that institution during each fiscal year (beginning with the last full fiscal year of that institution which immediately preceded the effective date of this chapter). (2) The information required to be maintained and made available under paragraph (1) shall also be itemized in order to clearly and conspicuously disclose the following: (A) The number and dollar amount for each item referred to in paragraph (1), by census tracts for mortgage loans secured by property located within any county with a population of more than 30,000, within that primary metropolitan statistical area, metropolitan statistical area, or consolidated metropolitan statistical area that is not comprised of designated primary metropolitan statistical areas, otherwise, by county, for mortgage loans secured by property located w

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Federal law — U.S. Code and appendices · legal_authorities

12 U.S.C. § 2803 — Maintenance of records and public disclo-

Page 1463 TITLE 12—BANKS AND BANKING § 2803 1 So in original. Probably should be ‘‘paragraph (5)’’. § 2802. Definitions For purposes of this chapter— (1) the term ‘‘Bureau’’ means the Bureau of Consumer Financial Protection; (2) the term ‘‘mortgage loan’’ means a loan which is secured by residential real property or a home improvement loan; (3) the term ‘‘depository institution’’— (A) means— (i) any bank (as defined in section 1813(a)(1) of this title); (ii) any savings association (as defined in section 1813(b)(1) of this title); and (iii) any credit union, which makes federally related mortgage loans as determined by the Board; and (B) includes any other lending institution (as defined in paragraph (4) 1) other than any institution described in subparagraph (A); (4) the term ‘‘completed application’’ means an application in which the creditor has re- ceived the information that is regularly ob- tained in evaluating applications for the amount and type of credit requested; (5) the term ‘‘other lending institutions’’ means any person engaged for profit in the business of mortgage lending; (6) the term ‘‘Board’’ means the Board of Governors of the Federal Reserve System; and (7) the term ‘‘Secretary’’ means the Sec- retary of Housing and Urban Development. (Pub. L. 94–200, title III, § 303, Dec. 31, 1975, 89 Stat. 1125; Pub. L. 100–242, title V, § 565(a)(1), Feb. 5, 1988, 101 Stat. 1945; Pub. L. 101–73, title XII, § 1211(d), (e), Aug. 9, 1989, 103 Stat. 525; Pub. L. 111–203, title X, § 1094(2), July 21, 2010, 124 Stat. 2097.) Editorial Notes AMENDMENTS 2010—Pub. L. 111–203 added par. (1) and redesignated former pars. (1) to (6) as (2) to (7), respectively. 1989—Par. (2). Pub. L. 101–73, § 1211(d), amended par. (2) generally. Prior to ame

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Federal law — U.S. Code and appendices · legal_authorities

12 U.S.C. § 4561 — Establishment of housing goals

Page 1668 TITLE 12—BANKS AND BANKING § 4561 1 So in original. 1454(d) of this title meets the requirements of clauses (i), (ii), and (iii) of section 1717(b)(7)(C) of this title and subparagraphs (A), (B), and (C) of section 1454(d) of this title, respectively. (Pub. L. 102–550, title XIII, § 1328, as added Pub. L. 115–174, title III, § 310(c), May 24, 2018, 132 Stat. 1355.) Editorial Notes PRIOR PROVISIONS A prior section 4548, Pub. L. 102–550, title XIII, § 1328, Oct. 28, 1992, 106 Stat. 3956; Pub. L. 110–289, div. A, title I, § 1122(a)(1), July 30, 2008, 122 Stat. 2689, related to re- quired annual reports, prior to repeal by Pub. L. 110–289, div. A , title I, § 1104(b), July 30, 2008, 122 Stat. 2667. SUBPART 2—HOUSING GOALS § 4561. Establishment of housing goals (a) In general The Director shall, by regulation, establish ef- fective for 2010 and each year thereafter, annual housing goals, with respect to the mortgage pur- chases by the enterprises, as follows: (1) Single-family housing goals Four single-family housing goals under sec- tion 4562 of this title. (2) Multifamily special affordable housing goal One multifamily special affordable housing goal under section 4563 of this title. (b) Timing The Director shall, by regulation, establish an annual deadline by which the Director shall es- tablish the annual housing goals under this sub- part for each year, taking into consideration the need for the enterprises to reasonably and suffi- ciently plan their operations and activities in advance, including operations and activities necessary to meet such annual goals. (c) Transition The annual housing goals effective for 2008 pursuant to this subpart, as in effect before July 30, 2008, shall remain in effect for 2009, except that not la

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