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12 U.S.C. § 4546 — Public access to mortgage information

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

12 U.S.C. § 4546 — Public access to mortgage information

**(a) Availability** (1) **In general** — The Director shall make available to the public, in forms useful to the public (including forms accessible by computers), the data submitted by the enterprises in the reports required under [section 1723a(m) of this title](https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title12-section1723a/m&num=0&edition=prelim) or [section 1456(e) of this title](https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title12-section1456/e&num=0&edition=prelim). (2) **Census tract level reporting** — Such data shall include the data elements required to be reported under the Home Mortgage Disclosure Act of 1975 [[12 U.S.C. 2801](https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title12-section2801&num=0&edition=prelim) et seq.], at the census tract level. **(b) Access** (1) **Proprietary data** — Except as provided in paragraph (2), the Director may not make available to the public data that the Director determines pursuant to [section 4546 of this title](https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title12-section4546&num=0&edition=prelim) are proprietary information. (2) **Exception** — The Director shall not restrict access to the data provided in accordance with [section 1723a(m)(1)(A) of this title](https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title12-section1723a/m/1/A&num=0&edition=prelim) or [section 1456(e)(1)(A) of this title](https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title12-section1456/e/1/A&num=0&edition=prelim) or with subsection (a)(2). **(c) Fees** The Director may charge reasonable fees to cover the cost of making data available under this section to the public. **(d) Timing** Data submitted under this section by an enterprise in connection

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Source file: Laws/federal/codes/united-states-code/title-12/section-4546-public-access-to-mortgage-information--5b809e74b7.md
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Source location: Title 12, Chapter 46, § 4546; 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. § 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. § 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. § 4546 — Prohibition of public disclosure of propri-

Page 1666 TITLE 12—BANKS AND BANKING § 4546 (5) direct the enterprises to undertake var- ious remedial actions, including suspension, probation, reprimand, or settlement, against lenders that have been found to have engaged in discriminatory lending practices in viola- tion of the Fair Housing Act or the Equal Credit Opportunity Act, pursuant to a final adjudication on the record, and after oppor- tunity for an administrative hearing, in ac- cordance with subchapter II of chapter 5 of title 5; and (6) periodically review and comment on the underwriting and appraisal guidelines of each enterprise to ensure that such guidelines are consistent with the Fair Housing Act and this section. (Pub. L. 102–550, title XIII, § 1325, Oct. 28, 1992, 106 Stat. 3955; Pub. L. 110–289, div. A, title I, § 1122(b), July 30, 2008, 122 Stat. 2689.) Editorial Notes REFERENCES IN TEXT The Fair Housing Act, referred to in pars. (2) and (4) to (6), is title VIII of Pub. L. 90–284, Apr. 11, 1968, 82 Stat. 81, which is classified principally to subchapter I (§ 3601 et seq.) of chapter 45 of Title 42, The Public Health and Welfare. For complete classification of this Act to the Code, see Short Title note set out under sec- tion 3601 of Title 42 and Tables. The Equal Credit Opportunity Act, referred to in pars. (3) to (5), is title VII of Pub. L. 90–321, as added by Pub. L. 93–495, title V, § 503, Oct. 28, 1974, 88 Stat. 1521, which is classified generally to subchapter IV (§ 1691 et seq.) of chapter 41 of Title 15, Commerce and Trade. For complete classification of this Act to the Code, see Short Title note set out under section 1601 of Title 15 and Tables. AMENDMENTS 2008—Pub. L. 110–289 inserted ‘‘of Housing and Urban Development’’ after ‘‘The Secretary’’ in introd

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