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12 U.S.C. § 2807 — Report
Federal law — U.S. Code and appendices · legal_authorities
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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Source location: Title 12, Chapter 29, § 2807; chapter-029-home-mortgage-disclosure.md
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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
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
**(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
Page 1471
TITLE 12—BANKS AND BANKING
§ 2808
1 See References in Text note below.
Editorial Notes
PRIOR PROVISIONS
A prior section 2806, Pub. L. 94–200, title III, § 307, Dec.
31, 1975, 89 Stat. 1127; Pub. L. 100–628, title X, § 1087(c),
Nov. 7, 1988, 102 Stat. 3280; Pub. L. 101–73, title VII,
§ 744(p)(3), Aug. 9, 1989, 103 Stat. 440, which related to re-
search and improved methods; authorization of appro-
priations; recommendations to congressional commit-
tees, was repealed by Pub. L. 111–203, title X, § 1094(6),
July 21, 2010, 124 Stat. 2101.
Statutory Notes and Related Subsidiaries
EFFECTIVE DATE
Section effective on the designated transfer date, see
section 1100H of Pub. L. 111–203, set out as an Effective
Date of 2010 Amendment note under section 552a of
Title 5, Government Organization and Employees.
§ 2807. Report
The Bureau, in consultation with the Sec-
retary 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.
(Pub. L. 94–200, title III, § 308, Dec. 31, 1975, 89
Stat. 1128; Pub. L. 98–181, title I [title VII,
§ 701(b)], Nov. 30, 1983, 97 Stat. 1266; Pub. L.
101–73, title XII, § 1211(h), Aug. 9, 1989, 103 Stat.
526; Pub. L. 111–203, title X, § 1094(1), July 21,
2010, 124 Stat. 2097.)
Editorial Notes
AMENDMENTS
2010—Pub.
L.
111–203
substituted
‘‘Bureau’’
for
‘‘Board’’.
1989—Pub. L. 101–73 amended section generally. Prior
to amendment, section read as follows:
‘‘(a) The Board, in consultation with the Secretary of
Housing and Urban Development, is authorized and di-
rected to carry out a study to determine the feasibility
and usefulness of requiring depository institutions lo-
cated outside primary metropolitan statistical areas,
metro
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