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

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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Source location: Title 12, Chapter 29, § 2810; chapter-029-home-mortgage-disclosure.md

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

12 U.S.C. § 2809 — Compilation of aggregate data

**(a) Commencement; scope of data and tables** Beginning with data for calendar year 1980, the Federal Financial Institutions Examination Council shall compile each year, for each primary metropolitan statistical area, metropolitan statistical area, or consolidated metropolitan statistical area that is not comprised of designated primary metropolitan statistical areas, aggregate data by census tract for all depository institutions which are required to disclose data under [section 2803 of this title](https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title12-section2803&num=0&edition=prelim) or which are 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). The Council shall also produce tables indicating, for each primary metropolitan statistical area, metropolitan statistical area, or consolidated metropolitan statistical area that is not comprised of designated primary metropolitan statistical areas, aggregate lending patterns for various categories of census tracts grouped according to location, age of housing stock, income level, and racial characteristics. **(b) Staff and data processing resources** The Bureau shall provide staff and data processing resources to the Council to enable it to carry out the provisions of subsection (a). **(c) Availability to public** The data and tables required pursuant to subsection (a) shall be made available to the public by no later than December 31 of the year following the calendar year on which the data is based.

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12 U.S.C. § 1702 — Short title

This chapter may be cited as the “National Housing Act.”

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12 U.S.C. § 1701 — Information regarding early defaults and foreclosures on insured mortgages

**(a) In general** The Secretary of Housing and Urban Development shall collect and maintain information regarding early defaults on mortgages as provided under this section. The Secretary shall make such information available for public inspection upon request. Information shall be collected quarterly with respect to each applicable collection period (as such term is defined in subsection (c)) and shall be available for inspection not more than 30 days after the conclusion of the calendar quarter relating to each such period. Information shall first be made available under this section for the applicable collection period relating to the first calendar quarter ending more than 180 days after November 28, 1990. **(b) Contents** (1) **Mortgage lender analysis** — Information collected under this section shall include, for each lender originating mortgages during the applicable collection period that are insured pursuant to [section 1709 of this title](https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title12-section1709&num=0&edition=prelim) and secured by property in a designated census tract, the following information with respect to such mortgages: (A) The name of the lender and the number of each designated census tract in which the lender originated 1 or more such mortgages during the applicable collection period. (B) The total number of such mortgages originated by such lender during the applicable collection period in each designated census tract and the number of mortgages originated each year in each designated census tract. (C) The total number of defaults and foreclosures on such mortgages during the applicable collection period in each designated census tract and the number of defaults and foreclosures in each designated census tract in

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12 U.S.C. § 1702 — Administrative provisions

Page 517 TITLE 12—BANKS AND BANKING § 1702 Editorial Notes REFERENCES IN TEXT The National Housing Act, referred to in subsecs. (a)(2)(A), (D), (3)(A), (4)(C), and (c)(1), is act June 27, 1934, ch. 847, 48 Stat. 1246. Title II of the Act is classi- fied generally to subchapter II (§ 1707 et seq.) of this chapter. For complete classification of this Act to the Code, see section 1701 of this title and Tables. CODIFICATION Section was enacted as part of the Energy Policy Act of 1992, and not as part of the National Housing Act which comprises this chapter. Section was formerly classified as a note under sec- tion 12712 of Title 42, The Public Health and Welfare. AMENDMENTS 2008—Subsec. (a)(2)(C). Pub. L. 110–289, § 2123(1), amended subpar. (C) generally. Prior to amendment, text read as follows: ‘‘The cost of cost-effective energy efficiency improvements shall not exceed the greater of— ‘‘(i) 5 percent of the property value (not to exceed $8,000); or ‘‘(ii) $4,000.’’ Subsec. (a)(2)(D). Pub. L. 110–289, § 2123(2), added sub- par. (D). Statutory Notes and Related Subsidiaries SIMILAR PROVISIONS Similar provisions were contained in Pub. L. 102–550, title V, § 513, Oct. 28, 1992, 106 Stat. 3786. § 1701z–17. Increasing access and understanding of energy efficient mortgages (a) Definition As used in this section, the term ‘‘energy effi- cient mortgage’’ has the same meaning as given that term in paragraph (24) of section 12704 of title 42. (b) Recommendations to eliminate barriers to use of energy efficient mortgages (1) In general Not later than 180 days after July 30, 2008, the Secretary of Housing and Urban Develop- ment, in conjunction with the Secretary of Energy and the Administrator of the Environ- mental Protection Agency, shall consult

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

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

Page 1472 TITLE 12—BANKS AND BANKING § 2809 1991—Pub. L. 102–242, § 224(a), as amended by Pub. L. 102–550, § 1604(a)(15), struck out ‘‘depository’’ before ‘‘in- stitution’’, inserted ‘‘specified in section 2802(2)(A) of this title’’ after ‘‘institution’’, and inserted at end: ‘‘The Board, in consultation with the Secretary, may exempt institutions described in section 2802(2)(B) of this title that are comparable within their respective industries to institutions that are exempt under the preceding sentence.’’ Statutory Notes and Related Subsidiaries EFFECTIVE DATE OF 2010 AMENDMENT Amendment by Pub. L. 111–203 effective on the des- ignated transfer date, see section 1100H of Pub. L. 111–203, set out as a note under section 552a of Title 5, Government Organization and Employees. EFFECTIVE DATE OF 1992 AMENDMENT Amendment by Pub. L. 102–550 effective as if included in the Federal Deposit Insurance Corporation Improve- ment Act of 1991, Pub. L. 102–242, as of Dec. 19, 1991, see section 1609(a) of Pub. L. 102–550, set out as a note under section 191 of this title. EFFECTIVE DATE OF 1991 AMENDMENT Pub. L. 102–242, title II, § 224(b), Dec. 19, 1991, 105 Stat. 2307, provided that: ‘‘This section [amending this sec- tion] shall become effective on January 1, 1992.’’ § 2809. Compilation of aggregate data (a) Commencement; scope of data and tables Beginning with data for calendar year 1980, the Federal Financial Institutions Examination Council shall compile each year, for each pri- mary metropolitan statistical area, metropoli- tan statistical area, or consolidated metropoli- tan statistical area that is not comprised of des- ignated primary metropolitan statistical areas, aggregate data by census tract for all depository institutions which are requir

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