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12 U.S.C. § 2802 — Definitions

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

12 U.S.C. § 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](https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title12-section1813/a/1&num=0&edition=prelim)); (ii) any savings association (as defined in [section 1813(b)(1) of this title](https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title12-section1813/b/1&num=0&edition=prelim)); 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) 11 So in original. Probably should be “paragraph (5)”.) other than any institution described in subparagraph (A); (4) the term “completed application” means an application in which the creditor has received the information that is regularly obtained 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 Secretary of Housing and Urban Development.

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Source location: Title 12, Chapter 29, § 2802; chapter-029-home-mortgage-disclosure.md

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

5 U.S.C. § 552a — Records maintained on individuals

**(a) Definitions.—** For purposes of this section— (1) the term “agency” means agency as defined in section 552(e) 11 See References in Text note below. of this title; (2) the term “individual” means a citizen of the United States or an alien lawfully admitted for permanent residence; (3) the term “maintain” includes maintain, collect, use, or disseminate; (4) the term “record” means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, symbol, or other identifying particular assigned to the individual, such as a finger or voice print or a photograph; (5) the term “system of records” means a group of any records under the control of any agency from which information is retrieved by the name of the individual or by some identifying number, symbol, or other identifying particular assigned to the individual; (6) the term “statistical record” means a record in a system of records maintained for statistical research or reporting purposes only and not used in whole or in part in making any determination about an identifiable individual, except as provided by [section 8 of title 13](https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title13-section8&num=0&edition=prelim); (7) the term “routine use” means, with respect to the disclosure of a record, the use of such record for a purpose which is compatible with the purpose for which it was collected; (8) the term “matching program”— (A) means any computerized comparison of— (i) two or more automated systems of records or a system of records with non-Federal records for the purpose

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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. § 2804 — Enforcement

**(a) Regulations** The Bureau shall prescribe such regulations as may be necessary to carry out the purposes of this chapter. These regulations may contain such classifications, differentiations, or other provisions, and may provide for such adjustments and exceptions for any class of transactions, as in the judgment of the Bureau are necessary and proper to effectuate the purposes of this chapter, and prevent circumvention or evasion thereof, or to facilitate compliance therewith. **(b) Powers of certain other agencies** (1) **In general** — Subject to subtitle B of the Consumer Financial Protection Act of 2010 [[12 U.S.C. 5511](https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title12-section5511&num=0&edition=prelim) et seq.], compliance with the requirements of this chapter shall be enforced— (A) under [section 1818 of this title](https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title12-section1818&num=0&edition=prelim), the appropriate Federal banking agency, as defined in [section 1813(q) of this title](https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title12-section1813/q&num=0&edition=prelim), with respect to— (i) any national bank or Federal savings association, and any Federal branch or Federal agency of a foreign bank; (ii) any member bank of the Federal Reserve System (other than a national bank), branch or agency of a foreign bank (other than a Federal branch, Federal agency, and insured State branch of a foreign bank), commercial lending company owned or controlled by a foreign bank, and any organization operating under section 25 or 25A of the Federal Reserve Act [[12 U.S.C. 601](https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title12-section601&num=0&edition=prelim) et seq., 611 et seq.]; an

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

12 U.S.C. § 2807 — Report

The Bureau, in consultation with the Secretary of Housing and Urban Development, shall report annually to the Congress on the utility of the requirements of [section 2803(b)(4) of this title](https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title12-section2803/b/4&num=0&edition=prelim).

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

12 U.S.C. § 2810 — Disclosure by Secretary; commencement, scope, etc.

Beginning with data for calendar year 1980, the Secretary shall make publicly available data in the Secretary’s possession for each mortgagee which is not otherwise subject to the requirements of this chapter and which is not exempt pursuant to [section 2805(b) of this title](https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title12-section2805/b&num=0&edition=prelim) (and for each mortgagee making mortgage loans exempted under [section 2803(g) of this title](https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title12-section2803/g&num=0&edition=prelim)), with respect to mortgage loans approved (or for which completed applications are received) by the Secretary for insurance under title I or II of the National Housing Act [[12 U.S.C. 1702](https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title12-section1702&num=0&edition=prelim) et seq., 1707 et seq.]. Such data to be disclosed shall consist of data comparable to the data which would be disclosed if such mortgagee were subject to the requirements of [section 2803 of this title](https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title12-section2803&num=0&edition=prelim). Disclosure statements containing data for each such mortgagee for a primary metropolitan statistical area, metropolitan statistical area, or consolidated metropolitan statistical area that is not comprised of designated primary metropolitan statistical areas shall, at a minimum, be publicly available at the central depository of data established pursuant to [section 2803(f) of this title](https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title12-section2803/f&num=0&edition=prelim) for such primary metropolitan statistical area, metropolitan statistical area, or consolidated metropolitan statistical are

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

12 U.S.C. § 2802 — Definitions

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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