Title 12 — BANKS AND BANKING

• § 1— Office of the Comptroller of the Currency
• § 2— Comptroller of the Currency; appointment; term
• § 3— Oath of Comptroller
• § 4— Deputy Comptrollers
• § 4a— Delegation of authority by Comptroller
• § 4b— Deputy Comptroller for the supervision and examination of Federal savings associations
• § 7— Chief of examining division
• § 8— Clerks
• § 9— Additional examiners, clerks, and other employees
• § 10— Salaries of Deputy Comptrollers, examiners, and other employees as part of bank examination expenses
• § 11— Interest in national banks
• § 12— Seal of Comptroller
• § 13— Rooms for Currency Bureau
• § 14— Report of Comptroller
• § 14a— Data standards; open data publication
• § 16— Funding of Office
• § 21— Formation of national banking associations; incorporators; articles of association
• § 21a— Amendment of articles of association
• § 22— Organization certificate
• § 23— Acknowledgment and filing of certificate
• § 24— Corporate powers of associations
• § 24a— Financial subsidiaries of national banks
• § 25a— Participation by national banks in lotteries and related activities
• § 25b— State law preemption standards for national banks and subsidiaries clarified
• § 26— Comptroller to determine if association can commence business
• § 27— Certificate of authority to commence banking
• § 29— Power to hold real property
• § 30— Change of name or location
• § 31— Rights and liabilities as affected by change of name
• § 32— Liabilities and suits as affected by change of name or location
• § 35— Organization of State banks as national banking associations
• § 36— Branch banks
• § 37— Associations governed by chapter
• § 38— The National Bank Act
• § 39— Reservation of rights of associations organized under Act of 1863
• § 40— Virgin Islands; extension of National Bank Act
• § 41— Guam; extension of National Bank Act
• § 42— Territorial application
• § 43— Interpretations concerning preemption of certain State laws
• § 51a— Preferred stock; issuance authorized
• § 51b— Dividends, voting, and retirement of preferred stock; individual liability
• § 51b–1— Consideration of preferred stock in determining impairment of capital; dividends; retirement
• § 51c— “Common stock”, “capital”, and “capital stock” defined
• § 52— Par value and incidents of stock; transfer of shares
• § 53— When capital stock paid in
• § 55— Enforcing payment of deficiency in capital stock; assessments; liquidation; receivership
• § 56— Prohibition on withdrawal of capital; unearned dividends
• § 57— Increase of capital by provision in articles of association
• § 59— Reduction of capital
• § 60— National bank dividends
• § 61— Shareholders’ voting rights; cumulative and distributive voting; preferred stock; trust shares; proxies, liability restrictions; percentage requirement exclusion of trust shares
• § 62— List of shareholders
• § 64a— Individual liability of shareholders; limitation on liability
• § 66— Personal liability of representatives of stockholders
• § 67— Individual liability of shareholders; compromises; authority of receiver
• § 71— Election
• § 71a— Number of directors; penalties
• § 72— Qualifications
• § 73— Oath
• § 74— Vacancies
• § 75— Legal holiday, annual meeting on; proceedings where no election held on proper day
• § 76— President of bank as member of board; chairman of board
• § 81— Place of business
• § 83— Loans by bank on its own stock
• § 84— Lending limits
• § 85— Rate of interest on loans, discounts and purchases
• § 86— Usurious interest; penalty for taking; limitations
• § 90— Depositaries of public moneys and financial agents of Government
• § 91— Transfers by bank and other acts in contemplation of insolvency
• § 92— Acting as insurance agent or broker
• § 92a— Trust powers
• § 93— Violation of provisions of chapter
• § 93a— Authority to prescribe rules and regulations
• § 94— Venue of suits
• § 95— Emergency limitations and restrictions on business of members of Federal Reserve System; designation of legal holiday for national banking associations; exceptions; “State” defined
• § 121a— Redemption of notes unidentifiable as to bank of issue
• § 122a— Redeemed notes of unidentifiable issue; funds charged against
• § 142— Banks in reserve cities; reserves
• § 143— Banks in Alaska and insular possessions; lawful money reserves
• § 144— Certain balances counted toward reserves in dependencies and insular possessions
• § 161— Reports to Comptroller of the Currency
• § 164— Penalty for failure to make reports
• § 177a— Funds available for cost of transporting and redeeming national and Federal Reserve bank notes
• § 181— Voluntary dissolution; appointment and removal of liquidating agent or committee; examination
• § 182— Notice of intent to dissolve
• § 191— Appointment of receiver for a national bank
• § 192— Default in payment of circulating notes
• § 193— Notice to present claims
• § 194— Dividends on adjusted claims; distribution of assets
• § 196— Expenses
• § 197— Shareholders’ meeting; continuance of receivership; appointment of agent; winding up business; distribution of assets
• § 197a— Resumption of business by closed bank on consent of depositors
• § 198— Purchase by receiver of property of bank; request to Comptroller
• § 199— Approval of request
• § 200— Payment
• § 201— Short title
• § 202— Definitions
• § 203— Appointment of conservator
• § 204— Examinations
• § 205— Termination of conservatorship
• § 206— Conservator; powers and duties
• § 209— Liability protection
• § 210— Governmental powers unimpaired
• § 211— Rules and regulations
• § 212— Right to amend; separability
• § 214— Definitions
• § 214a— Procedure for conversion, merger, or consolidation; vote of stockholders
• § 214b— Continuation of business and corporate entity
• § 214c— Conversions in contravention of State law
• § 214d— Prohibition on conversion
• § 215— Consolidation of banks within same State
• § 215a— Merger of national banks or State banks into national banks
• § 215a–1— Interstate consolidations and mergers
• § 215a–2— Expedited procedures for certain reorganizations
• § 215a–3— Mergers and consolidations with subsidiaries and nonbank affiliates
• § 215b— Definitions
• § 215c— Mergers, consolidations, and other acquisitions authorized
• § 216— Purpose
• § 216a— Definitions
• § 216b— Disposition of unclaimed property
• § 216c— Rules and regulations
• § 216d— Severability
• § 221— Definitions
• § 221a— Additional definitions
• § 222— Federal reserve districts; membership of national banks
• § 223— Number of Federal reserve cities in district
• § 224— Status of reserve cities under former statutes
• § 225— Federal reserve banks; title
• § 225a— Maintenance of long run growth of monetary and credit aggregates
• § 225b— Appearances before and reports to the Congress
• § 226— “Federal Reserve Act”
• § 227— “Banking Act of 1933”
• § 228— “Banking Act of 1935”
• § 241— Creation; membership; compensation and expenses
• § 242— Ineligibility to hold office in member banks; qualifications and terms of office of members; chairman and vice chairman; oath of office
• § 243— Assessments upon Federal reserve banks to pay expenses
• § 244— Principal offices of Board; chairman of Board; obligations and expenses; qualifications of members; vacancies
• § 245— Vacancies during recess of Senate
• § 246— Powers of Secretary of the Treasury as affected by chapter
• § 247— Reports to Congress
• § 247a— Records of action on policy relating to open-market operation and policies determined generally; inclusion in report to Congress
• § 247b— Appearances before Congress
• § 248— Enumerated powers
• § 248–1— Rules and regulations for transfer of funds and charges therefor among banks; clearing houses
• § 248a— Pricing of services
• § 248b— Annual independent audits of Federal reserve banks and Board
• § 248c— Master account and services database
• § 250— Independence of financial regulatory agencies
• § 252— Credit availability assessment
• § 253— Open data publication by the Board of Governors
• § 261— Creation; membership; compensation; meetings; officers; procedure; quorum; vacancies
• § 262— Powers
• § 263— Federal Open Market Committee; creation; membership; regulations governing open-market transactions
• § 265— Insured banks as depositaries of public money; duties; security; discrimination between banks prohibited; repeal of inconsistent laws
• § 266— State-chartered banks and other institutions as depositaries of public money; fiscal agents; duties
• § 281— Capital
• § 282— Subscription to capital stock by national banking association
• § 283— Public subscription to capital stock
• § 285— Nonvoting stock
• § 286— Transfers of stock; rules and regulations
• § 287— Value of shares of stock; increase and decrease of stock; member banks as shareholders; surrender of shares
• § 288— Cancellation of stock held by member bank on insolvency or discontinuance of banking operations for sixty days; repayment of cash-paid subscriptions
• § 289— Dividends and surplus funds of reserve banks; transfer for fiscal year 2000
• § 290— Use of earnings transferred to the Treasury
• § 301— Powers and duties of board of directors; suspension of member bank for undue use of bank credit
• § 302— Number of members; classes
• § 303— Qualifications and disabilities
• § 304— Class A and class B directors; selection
• § 305— Class C directors; selection; “Federal reserve agent”
• § 306— Assistants to Federal reserve agent
• § 307— Compensation of directors
• § 308— Terms of directors; vacancies
• § 321— Application for membership
• § 322— Determination on application
• § 323— Stock in Federal reserve banks; method of payment
• § 324— Laws applicable on becoming members
• § 325— Examinations
• § 326— Acceptance of examinations and reports by State authorities; special examinations
• § 327— Surrender of stock and cancellation of memberships
• § 328— Withdrawals from membership
• § 329— Capital stock required as condition precedent to membership
• § 330— Laws applicable on becoming members; discounts for State banks
• § 331— Certifying checks on State banks admitted as members
• § 332— Depositaries of public money; financial agents; security required
• § 333— Mutual savings banks; application and admission to membership in Federal Reserve System
• § 334— Reports from affiliates; penalty for failure to furnish
• § 335— Dealing in investment securities; limitations and conditions
• § 336— Certificates of stock; representation of stock of other corporations
• § 338— Examination of affiliates; forfeiture of membership on refusal of affiliate to give information or pay expense
• § 338a— Investments to promote public welfare and community development; limitation on investments
• § 339— Participation by State member banks in lotteries and related activities
• § 339a— Resolution of clearing banks
• § 341— General enumeration of powers
• § 342— Deposits; exchange and collection; member and nonmember banks or other depository institutions; charges
• § 343— Discount of obligations arising out of actual commercial transactions
• § 344— Discount or purchase of bills to finance agricultural shipments
• § 345— Rediscount of notes, drafts, and bills for member banks; limitation of amount
• § 346— Discount of acceptances
• § 347— Advances to member banks on their notes
• § 347a— Advances to member bank groups; inadequate amounts of eligible and acceptable assets; liability of individual banks in group; distribution of loans among banks of group; rate of interest; notes accepted for advances as collateral security for Federal reserve notes; foreign obligations as security for advances
• § 347b— Advances to individual member banks on time or demand notes; maturities; time notes secured by mortgage loans covering one-to-four family residences
• § 347c— Advances to individuals, partnerships, and corporations; security; interest rate
• § 347d— Transactions between Federal Reserve banks and branch or agency of foreign bank; matters considered
• § 348— Discount of obligations given for agricultural purposes or based upon livestock; collateral security for Federal reserve notes
• § 348a— Transactions with foreign banks; supervision of Board of Governors of the Federal Reserve System
• § 349— Rediscount for intermediate credit banks of obligations given for agricultural purposes; discount of notes made pursuant to section 1031
• § 350— Purchase and sale of debentures and like obligations of intermediate credit banks and agricultural credit corporations
• § 351— Obligations of cooperative marketing association as issued or drawn for agricultural purposes
• § 352— Limitation on amount of obligations of certain maturities which may be discounted and rediscounted
• § 353— Purchase and sale of cable transfers, acceptances and bills
• § 354— Transactions involving gold coin, bullion, and certificates
• § 355— Purchase and sale of obligations of National, State, and municipal governments; open market operations; purchases and sales from or to United States; maximum aggregate amount of obligations acquired directly from or loaned directly to United States
• § 356— Purchase of commercial paper from member banks and sale of same
• § 357— Establishment of rates of discount
• § 358— Establishment of accounts for purposes of open-market operations; correspondents and agencies
• § 359— Purchase and sale of acceptances of intermediate credit banks and agricultural credit corporations
• § 360— Receiving checks and drafts on deposit at par; charges for collections, exchange, and clearances
• § 361— Bills receivable, bills of exchange, acceptances; regulations by Board of Governors
• § 371— Real estate loans
• § 371b— Rate of interest on time deposits; payment of time deposits before maturity; waiver of notice requirements for withdrawal of savings deposits
• § 371b–2— Interbank liabilities
• § 371c— Banking affiliates
• § 371c–1— Restrictions on transactions with affiliates
• § 371d— Investment in bank premises or stock of corporation holding premises
• § 372— Bankers’ acceptances
• § 373— Acceptance of drafts or bills drawn by banks in foreign countries or dependencies of United States for purpose of dollar exchange
• § 374— Acting as agent for nonmember bank in getting discounts from reserve bank
• § 374a— Acting as agent for nonbanking borrower in making loans on securities to dealers in stocks, bonds, etc.; penalties
• § 375a— Loans to executive officers of banks
• § 375b— Extensions of credit to executive officers, directors, and principal shareholders of member banks
• § 376— Rate of interest paid to directors, etc.
• § 378— Dealers in securities engaging in banking business; individuals or associations engaging in banking business; examinations and reports; penalties
• § 391— Federal reserve banks as Government depositaries and fiscal agents
• § 391a— Reimbursement of Federal Reserve Banks
• § 392— Depositaries of Government funds as confined to banks in Federal reserve system; member banks as depositaries
• § 393— Federal reserve banks as depositaries for Farm Credit System
• § 394— Federal reserve banks as depositaries for and fiscal agents of Home Owners’ Loan Corporation
• § 395— Federal reserve banks as depositaries, custodians and fiscal agents for Commodity Credit Corporation
• § 411— Issuance to reserve banks; nature of obligation; redemption
• § 412— Application for notes; collateral required
• § 413— Distinctive letter and serial number of notes; cancellation of notes unfit for circulation; accounting; apportionment of credit among Federal Reserve banks
• § 414— Authority of Board of Governors respecting issuance of notes; interest; lien
• § 415— Reduction of liability for outstanding notes by depositing notes and collateral and payment of notes of series prior to 1928; reissue of deposited notes
• § 416— Withdrawal of collateral deposited to protect notes and substitution of other collateral; retirement of notes; payment of notes of series prior to 1928; recovery of collateral; reissue of deposited notes
• § 417— Custody and safe-keeping of notes issued to and collateral deposited with Reserve agent
• § 418— Printing of notes; denomination and form
• § 419— Delivery of notes prior to delivery to banks
• § 420— Control and direction of plates and dies; expense of issue and retirement of notes paid by banks
• § 421— Examination of plates and dies
• § 461— Reserve requirements
• § 463— Limitation on amount of balance with any depository institution without access to Federal Reserve advances
• § 464— Checking against and withdrawal of reserve balance
• § 465— Basis for ascertaining deposits against which required balance is determined
• § 466— Reserves of banks in dependencies or insular possessions
• § 467— Deposits of gold coin, gold certificates, and Special Drawing Right certificates with United States Treasurer
• § 481— Appointment of examiners; examination of member banks, State banks, and trust companies; reports
• § 482— Employees of Office of Comptroller of the Currency; appointment; compensation and benefits
• § 483— Special examination of member banks; information of condition furnished to Board of Governors of the Federal Reserve System
• § 484— Limitation on visitorial powers
• § 485— Examination of Federal reserve banks
• § 486— Waiver of requirements as to reports from or examinations of affiliates
• § 501— Liability of Federal reserve or member bank for certifying check when amount of deposit was inadequate
• § 501a— Forfeiture of franchise of national banks for failure to comply with provisions of this chapter
• § 502— Liability of shareholders of Federal reserve banks on contracts, etc.
• § 503— Liability of directors and officers of member banks
• § 504— Civil money penalty
• § 505— Civil money penalty
• § 506— Notice after separation from service
• § 521— Reserve-bank branches; establishment; directors; discontinuance of branches; approval for erection of branch bank building
• § 522— Federal Reserve branch bank buildings
• § 531— Exemption from taxation
• § 541— Tax on circulating notes generally
• § 548— State taxation
• § 582— Receipt of United States or bank notes as collateral
• § 601— Authorization; conditions and regulations
• § 602— Reports and examinations
• § 603— Restrictions imposed by Board of Governors of the Federal Reserve System on banks purchasing stock in corporations doing foreign business
• § 604— Accounts of foreign branches; profit and loss
• § 604a— Regulations authorizing exercise by foreign branches of usual powers of local banks; restrictions
• § 611— Formation authorized; fiscal agents; depositaries in insular possessions
• § 611a— Statement of purposes; rules and regulations
• § 612— Articles of association; contents
• § 613— Signing of articles of association; forwarding to and filing by Board of Governors of the Federal Reserve System; organization certificate; contents
• § 614— Organization certificate; acknowledgment; forwarding to, filing, and approval by Board of Governors of the Federal Reserve System; permit to do business; body corporate; name; seal; corporate succession; contracts; suits; directors, officers, and employees; bylaws
• § 615— Powers of corporation
• § 616— Place of carrying on business; when business may be begun
• § 617— Engaging in commerce or trade in commodities; price fixing; forfeiture of charter; acts forbidden to directors, officers, agents, or employees
• § 618— Capital stock; amount; when paid in
• § 619— Capital stock; by whom held; ownership of capital stock by foreign bank
• § 620— Members of Board of Governors of the Federal Reserve System without interest in corporation
• § 621— Liability of shareholders on unpaid subscriptions; membership of corporation in Federal reserve bank prohibited
• § 622— Forfeiture of rights and privileges; dissolution; liability of directors and officers
• § 623— Voluntary liquidation
• § 624— Appointment of receiver or conservator
• § 625— Stockholders’ meetings; books and records; reports; examination
• § 626— Dividends; surplus fund
• § 627— State taxation
• § 628— Extension of corporate existence
• § 629— Conversion of banking corporations into Federal corporations; procedure
• § 630— Offenses by officers of corporation; punishment
• § 631— False representations as to liability of United States for acts of corporation; punishment
• § 632— Jurisdiction of United States courts; disposition by banks of foreign owned property
• § 633— Potential liability on foreign accounts
• § 635— Powers and functions of Bank
• § 635a— Management of Bank
• § 635a–1— Export credit competition
• § 635a–2— Implementation of regulations and procedures to lessen adverse effect of loans and guarantees on industries in United States; report by United States International Trade Commission; written consideration of views of adversely affected parties
• § 635a–3— Export-Import Bank financing to match foreign financing
• § 635a–4— Guarantees for export accounts receivable and inventory
• § 635a–5— Negotiations to end export credit financing
• § 635a–6— Periodic audits of bank transactions
• § 635a–7— Independent audit of bank portfolio
• § 635b— Capitalization of Bank; method of capital stock payments; public-debt transactions; issuance of stock certificates
• § 635d— Issuance of debentures, bonds, etc.; obligations redeemable; payment of interest; obligations purchasable by Secretary of the Treasury; public-debt transactions
• § 635e— Aggregate loan, guarantee, and insurance authority
• § 635f— Termination date of Bank’s functions; exceptions; liquidation
• § 635g— Report to Congress; time for submission; contents
• § 635g–1— Annual competitiveness report
• § 635h— Exemption from prohibition of section 955 of title 18
• § 635i–3— Tied Aid Credit Fund and program
• § 635i–5— Environmental policy and procedures
• § 635i–6— Debt reduction; Enterprise for the Americas Initiative
• § 635i–7— Cooperation on export financing programs
• § 635i–8— Special debt relief for poorest, most heavily indebted countries
• § 635i–9— Market windows
• § 635j— Export financing program to foster foreign trade and commercial interest of the United States
• § 635k— Apportionment of losses incurred on loans, guarantees, and insurance; reimbursement; contingent obligations
• § 635l— Authorization for appropriation of funds for losses
• § 635m— Loans, guarantees, and insurance subject to the provisions of this chapter
• § 635n— Prohibition of loans, guarantees, and insurance as to sales of defense articles or services
• § 635o— Congressional statement of purpose
• § 635p— Presidential mandate to negotiate; objectives
• § 635q— Establishment of tied aid credit program in United States Export-Import Bank
• § 635r— Establishment of tied aid credit program administered by Trade and Development Agency
• § 635s— Implementation
• § 635t— Definitions
• § 1141— Declaration of policy; effective merchandising of agricultural commodities; speculation; cooperative marketing; surpluses; administration of chapter
• § 1141h— Avoidance of duplication; cooperation with other governmental establishments; obtaining information and data; cooperation with States, Territories, and agencies or subdivisions thereof; indicating research problems; transfer of offices, functions, etc.
• § 1141j— Miscellaneous provisions
• § 1150— Compromise, adjustment, and cancellation of farm loans; conditions; delegation of powers and duties by Secretary of Agriculture
• § 1150a— Farm loans to which chapter is applicable
• § 1150b— Authorization of appropriations
• § 1150c— Self-hauling of hay or other roughages under hay transportation assistance program; liability for or refund of excess payments; availability of funds for payments
• § 1421— Short title
• § 1422— Definitions
• § 1423— Federal Home Loan Bank districts; number and boundaries; establishment of Federal Home Loan Banks; names
• § 1424— Eligibility for membership
• § 1426— Capital structure of Federal home loan banks
• § 1426a— Exclusion from certain requirements
• § 1427— Directors
• § 1428— Examination of State laws, regulations, and procedures; studies of values, etc.
• § 1429— Eligibility to secure advances
• § 1430— Advances to members
• § 1430b— Advances to nonmember mortgagee; terms and conditions
• § 1430c— Housing goals
• § 1431— Powers and duties of banks
• § 1432— Incorporation of banks; corporate powers; housing project loans
• § 1433— Exemption from taxation; obligations acceptable as credit on debt of home owner
• § 1434— Depositaries of public money; financial agents
• § 1435— Obligations as lawful investments; liability of United States for debentures, etc., issued by banks
• § 1436— Reserves and dividends; emergency suspensions of requirements
• § 1438a— Nonadministrative expenses; expenses of studies and investigations
• § 1439a— Deposits in special fund; availability for all purposes of Federal Home Loan Bank Board and Federal Home Loan Bank Administration
• § 1440— Examinations and audits
• § 1440a— Sharing of information among Federal Home Loan Banks
• § 1441— Financing Corporation
• § 1441a–1— Definitions
• § 1441a–2— Authorization for State housing finance agencies and nonprofit entities to purchase mortgage-related assets
• § 1441a–3— RTC and FDIC properties
• § 1441b— Resolution Funding Corporation established
• § 1442— Member financial information
• § 1443— Forms of bank stock and obligations
• § 1444— Eligibility to membership in banks
• § 1445— Succession of Federal Home Loan Banks
• § 1446— Liquidation or reorganization; acquisition of assets by other banks; assumption of liabilities
• § 1448— Effect of partial invalidity of chapter
• § 1449— Reservation of right to amend or repeal chapter
• § 1451— Definitions
• § 1452— Federal Home Loan Mortgage Corporation
• § 1453— Capitalization of Federal Home Loan Mortgage Corporation
• § 1454— Purchase and sale of mortgages; residential mortgages; conventional mortgages; terms and conditions of sale or other disposition; authority to enter into, perform, and carry out transactions
• § 1455— Obligations and securities of the Corporation
• § 1456— Immunity of Corporation; audits and reporting requirements; data collection; Housing Advisory Council
• § 1457— Prohibited activities; penalties for violations by organizations, officers and members of organizations, and individuals
• § 1458— Territorial applicability
• § 1459— Separability
• § 1461— Short title
• § 1462— Definitions
• § 1462a— Administrative provisions
• § 1463— Supervision of savings associations
• § 1464— Federal savings associations
• § 1464a— Election to operate as a covered savings association
• § 1465— State law preemption standards for Federal savings associations clarified
• § 1466— Applicability
• § 1466a— District associations
• § 1467— Examination fees
• § 1467a— Regulation of holding companies
• § 1467b— Intermediate holding companies
• § 1468— Transactions with affiliates; extensions of credit to executive officers, directors, and principal shareholders
• § 1468a— Advertising
• § 1468b— Powers of examiners
• § 1468c— Separability
• § 1469— Authority to invest in State housing corporations
• § 1470— Federal supervision of insured institutions, State member and nonmember banks; access to information; definitions
• § 1701— Short title
• § 1701a— Short title of amendment of 1938
• § 1701b— Short title of amendment of 1942
• § 1701c— Secretary of Housing and Urban Development
• § 1701d–4— Exchange and assembly of housing and urban planning and development data; payment of expenses; acceptance of funds, services, facilities, materials, and other donations; approval of Secretary of State for international programs and activities
• § 1701g–5— Revolving fund in connection with liquidating programs
• § 1701g–5a— Transfer of New Communities Fund assets and liabilities
• § 1701g–5b— Liquidation of New Communities Program; cancellation of debt
• § 1701g–5c— Transfer of rehabilitation loan fund assets and liabilities
• § 1701h— Advisory committees; payment of transportation and other expenses
• § 1701h–1— Housing for elderly persons advisory committee
• § 1701j–1— Builder’s certification as to construction
• § 1701j–2— National Institute of Building Sciences
• § 1701j–3— Preemption of due-on-sale prohibitions
• § 1701k— Right to redeem property on which United States has lien
• § 1701l— Limitation on interest rates of insured mortgages; terms of sales
• § 1701l–1— Mortgage proceeds fraudulently misappropriated by mortgagor; recovery of deficiency after foreclosure
• § 1701m— Credit and cancellation of notes transferred from Reconstruction Finance Corporation; net loss computation
• § 1701n— Reduction of vulnerability of congested urban areas to enemy attack
• § 1701o— Annual report of Secretary
• § 1701p— Contents of report to President and Congress
• § 1701p–1— Periodic report on residential mortgage delinquencies and foreclosures
• § 1701p–2— Default and foreclosure database
• § 1701q— Supportive housing for the elderly
• § 1701q–1— Civil money penalties against mortgagors under section 1701q of this title
• § 1701q–2— Grants for conversion of elderly housing to assisted living facilities and other purposes
• § 1701q–3— Funds for housing for elderly and persons with disabilities available for cost of maintenance and disposal of such properties
• § 1701r— Congressional findings respecting housing for senior citizens
• § 1701r–1— Pet ownership in assisted rental housing for the elderly or handicapped
• § 1701s— Rent supplement payments for qualified lower income families
• § 1701t— Congressional affirmation of national goal of decent homes and suitable living environment for American families
• § 1701u— Economic opportunities for low- and very low-income persons
• § 1701v— Congressional findings and declaration for improved architectural design in Government housing programs
• § 1701w— Budget, debt management, and related counseling services for mortgagors; authorization of appropriations
• § 1701x— Assistance with respect to housing for low- and moderate-income families
• § 1701x–1— Home inspection counseling
• § 1701x–2— Legal assistance for foreclosure-related issues
• § 1701y— National Homeownership Foundation
• § 1701z— New technologies in the development of housing for lower income families
• § 1701z–1— Research and demonstrations; authorization of appropriations; continuing availability of funds
• § 1701z–10— Model rehabilitation guidelines in inspection and approval of rehabilitated properties; report to Congress
• § 1701z–10a— Biennial survey of economic and housing market conditions
• § 1701z–11— Management and disposition of multifamily housing projects
• § 1701z–12— Housing access
• § 1701z–13— Solar energy for single-family and multifamily housing units
• § 1701z–14— Lower cost technology demonstration program
• § 1701z–15— Approval of individual residential water purification or treatment units
• § 1701z–16— Energy efficient mortgages pilot program
• § 1701z–17— Increasing access and understanding of energy efficient mortgages
• § 1701z–2— Advanced technologies, methods, and materials for housing construction, rehabilitation, and maintenance
• § 1701z–3— Experimental housing allowance payment program
• § 1701z–4— Abandoned properties demonstration proj­ect
• § 1701z–5— Demonstrations of heating or cooling residential housing utilizing solar energy
• § 1701z–6— Special housing need research and demonstration authority
• § 1701z–7— Studies to determine extent of need for counseling to mortgagors; report to Congress
• § 1701z–8— Energy conservation and renewable-resource demonstration
• § 1701z–9— Expansion of home ownership opportunities in urban areas
• § 1702— Administrative provisions
• § 1703— Insurance of financial institutions
• § 1705— Allocation of funds
• § 1706b— Taxation of real property held by Secretary
• § 1706c— Insurance of mortgages
• § 1706d— Applicability
• § 1706f— Prohibition against kickbacks and unearned fees
• § 1707— Definitions
• § 1708— Federal Housing Administration operations
• § 1709— Insurance of mortgages
• § 1709–1a— State constitutional and legal limits upon interest chargeable on loans, mortgages, or other interim financing arrangements; applicability; covered arrangements
• § 1709–2— Equity skimming; penalty; persons liable; one dwelling exemption
• § 1709a— Determination of loan-to-value ratios
• § 1710— Payment of insurance
• § 1711— General Surplus and Participating Reserve Accounts
• § 1712— Investment of funds
• § 1712a— Indexing of FHA multifamily housing loan limits
• § 1713— Rental housing insurance
• § 1714— Taxation
• § 1715— Statistical and economic surveys
• § 1715b— Rules and regulations
• § 1715c— Labor standards
• § 1715d— Insurance of mortgages on property in Alaska, Guam, Hawaii, and Virgin Islands
• § 1715e— Cooperative housing insurance
• § 1715f— Process of applications and issuance of commitments
• § 1715g— Insurance of mortgage where mortgagor is not occupant of property
• § 1715k— Rehabilitation and neighborhood conservation housing insurance
• § 1715l— Housing for moderate income and displaced families
• § 1715n— Miscellaneous mortgage insurance
• § 1715o— Interest rate on debentures; method of establishment
• § 1715p— Insurance of advances under open-end mortgages; payment of charges; eligibility and conditions
• § 1715q— Delivery of statement of appraisal or estimates to home buyers
• § 1715r— Requirement of builder’s cost certification; definitions
• § 1715s— Treatment of mortgages covering tax credit projects
• § 1715t— Voluntary termination of insurance
• § 1715u— Authority to assist mortgagors in default
• § 1715v— Insurance of mortgages for housing for elderly persons
• § 1715w— Mortgage insurance for nursing homes, intermediate care facilities, and board and care homes
• § 1715x— Experimental housing insurance
• § 1715y— Mortgage insurance for condominiums
• § 1715z— Homeownership or membership in cooperative association for lower income families
• § 1715z–1— Rental and cooperative housing for lower income families
• § 1715z–11— Sale to cooperatives of multifamily housing projects acquired by Secretary; acceptance of purchase money mortgage for sale or insurance of mortgage; principal amount of mortgage; expenditures for repairs, etc., prior to sale
• § 1715z–11a— Disposition of HUD-owned properties
• § 1715z–12— Single-family mortgage insurance on Hawaiian home lands
• § 1715z–13— Single family mortgage insurance on Indian reservations
• § 1715z–13a— Loan guarantees for Indian housing
• § 1715z–13b— Loan guarantees for Native Hawaiian housing
• § 1715z–14— Risk-sharing demonstration
• § 1715z–15— Limitation on prepayment of mortgages on multifamily rental housing
• § 1715z–16— Adjustable rate single family mortgages
• § 1715z–17— Shared appreciation mortgages for single family housing
• § 1715z–18— Shared appreciation mortgages for multifamily housing
• § 1715z–19— Equity skimming penalty
• § 1715z–1a— Assistance for troubled multifamily housing projects
• § 1715z–1b— Tenant participation in multifamily housing projects
• § 1715z–1c— Regulation of rents in insured projects
• § 1715z–20— Insurance of home equity conversion mortgages for elderly homeowners
• § 1715z–21— Delegation of insuring authority to direct endorsement mortgagees
• § 1715z–22— Multifamily mortgage credit programs
• § 1715z–22a— Definitions
• § 1715z–23— HOPE for Homeowners Program
• § 1715z–24— Pilot program for automated process for borrowers without sufficient credit history
• § 1715z–25— Mortgage modification data collecting and reporting
• § 1715z–3— Special Risk Insurance Fund
• § 1715z–4— Modifications in terms of mortgages covering multifamily projects; requests for extensions to cure defaults or for modification of mortgage terms; regulations
• § 1715z–4a— Double damages remedy for unauthorized use of multifamily housing project assets and income
• § 1715z–5— Purchase of fee simple title from lessors
• § 1715z–6— Supplemental loans for multifamily projects
• § 1715z–7— Mortgage insurance for hospitals
• § 1715z–8— Mortgage assistance payments for middle-income families
• § 1715z–9— Co-insurance of eligible mortgage, advance, or loan
• § 1716— Declaration of purposes of subchapter
• § 1716b— Partition of Federal National Mortgage Association into Federal National Mortgage Association and Government National Mortgage Association; assets and liabilities; operations
• § 1717— Federal National Mortgage Association and Government National Mortgage Association
• § 1717a— Prohibition against sale of obligations by Federal departments and agencies after June 30, 1966, without compliance with requirements of section 1717(c) of this title or without approval by Secretary of the Treasury; exemption
• § 1718— Capitalization of Federal National Mortgage Association
• § 1719— Secondary market operations
• § 1721— Management and liquidation functions of Government National Mortgage Association
• § 1722— Benefits and burdens incident to administration of functions and operations under sections 1720 and 1721
• § 1723— Management
• § 1723a— General powers of Government National Mortgage Association and Federal National Mortgage Association
• § 1723b— Investment of funds
• § 1723c— Obligations, participations, or other instruments as lawful investments; acceptance as security; exempt securities
• § 1723d— Transfer of certain functions to Association
• § 1723i— Civil money penalties against issuers
• § 1731a— Penalties
• § 1731b— Prohibition against transient housing
• § 1732— Separability
• § 1733— Application of other laws
• § 1734— Amendment, extension, or increase of commitment amounts
• § 1735— Payment of certain funds to Treasury
• § 1735a— Prepayment of mortgages by nonprofit educational institutions; refunds
• § 1735b— Expenditures to correct or reimburse for structural or other major defects in mortgaged homes
• § 1735c— General Insurance Fund
• § 1735d— Payment of insurance benefits in cash or debentures; borrowing money from Treasury to make payments
• § 1735e— Acceptance of materials or products used in structures
• § 1735e–1— Use of American materials and products
• § 1735f— Water and sewerage facilities
• § 1735f–1— Waiver of deduction on assignment of property to Secretary in lieu of foreclosure
• § 1735f–10— Change of mortgagee status
• § 1735f–11— Review of mortgagee performance and authority to terminate
• § 1735f–12— Assurance of adequate processing of applications for loan and mortgage insurance
• § 1735f–13— Prohibition of requirement of minimum principal loan amount
• § 1735f–14— Civil money penalties against mortgagees, lenders, and other participants in FHA programs
• § 1735f–15— Civil money penalties against multifamily mortgagors
• § 1735f–16— Annual audited financial statements
• § 1735f–17— Examinations and sanctions for certain violations
• § 1735f–18— Information regarding early defaults and foreclosures on insured mortgages
• § 1735f–19— Partial payment of claims on defaulted mortgages and in connection with mortgage restructuring
• § 1735f–2— Uniform rehabilitation standards for housing within and without urban renewal areas
• § 1735f–20— Authorization of appropriations for General and Special Risk Insurance Funds
• § 1735f–3— Insurance of mortgage proceeds advanced during construction or rehabilitation or prior to final endorsement of project mortgage
• § 1735f–4— Minimum property standards
• § 1735f–5— Prohibition against discrimination on account of sex in extension of mortgage assistance; consideration of combined income of husband and wife for purpose of extending mortgage credit; definitions
• § 1735f–6— Secondary mortgages held by State or local governmental agency on insured properties
• § 1735f–7— Exemption from State usury laws; applicability
• § 1735f–7a— State constitution or laws limiting mortgage interest, discount points, and finance or other charges; exemption for obligations made after March 31, 1980
• § 1735f–8— Time of payment of premium charges
• § 1735f–9— Limitation on commitments to insure loans and mortgages
• § 1735g— Mortgage relief for homeowners who are unemployed as result of closing of Federal installation
• § 1736— Definitions
• § 1738— Insurance of mortgages
• § 1739— Mortgage insurance benefits
• § 1741— State taxation of realty held by Secretary
• § 1742— Rules and regulations
• § 1743— Insurance of mortgages
• § 1744— Insurance of loans for manufacture of houses
• § 1745— Insurance of mortgages on sales of Government housing; limits and conditions; Greenbelt towns; State housing
• § 1746— Insurance on mortgages on large-scale housing projects
• § 1746a— Termination of commitment authority under this subchapter
• § 1747— Purpose of subchapter; authorization; terms and conditions; expiration of insurance contract
• § 1747a— Eligibility for insurance
• § 1747b— Premium charges; fees for examination and inspection
• § 1747c— Rent schedules
• § 1747d— Excess earnings used for amortization of original investment
• § 1747e— Financial statements by Secretary
• § 1747f— Payment of claims; assignment of benefits by investors
• § 1747g— Debentures
• § 1747h— Termination of insurance contract by investor
• § 1747j— Taxation of real property
• § 1747k— Rules and regulations
• § 1747l— Definitions
• § 1748— Definitions
• § 1748b— Insurance of mortgages
• § 1748d— Lease of property; terms and conditions
• § 1748e— Mortgages on property in Alaska
• § 1748f— Rules and regulations
• § 1748g— Cost certification
• § 1748h–1— Civilian employees of Armed Forces
• § 1748h–2— Insurance of mortgages for defense housing for impacted areas
• § 1748h–3— Payments in lieu of taxes; limitations; exemption from taxation
• § 1749aaa— Insurance of mortgages
• § 1749aaa–1— Premiums and other charges
• § 1749aaa–2— Payment of insurance benefits
• § 1749aaa–3— Regulations
• § 1749aaa–4— Administration
• § 1749aaa–5— Definitions
• § 1749d— Cost of inspections and of providing representatives
• § 1750— Definitions
• § 1750b— Insurance in critical areas
• § 1750c— Mortgage insurance benefits
• § 1750e— Taxation
• § 1750f— Rules and regulations
• § 1750g— Insurance of additional mortgages
• § 1751— Short title
• § 1752— Definitions
• § 1752a— National Credit Union Administration
• § 1753— Federal credit union organization
• § 1754— Approval of organization certificate
• § 1755— Fees
• § 1756— Reports and examinations
• § 1757— Powers
• § 1757a— Limitation on member business loans
• § 1758— Bylaws
• § 1759— Membership
• § 1760— Members’ meetings
• § 1761— Management
• § 1761a— Officers of the board
• § 1761b— Board of directors; meetings; powers and duties; executive committee; membership officers; membership application
• § 1761c— Credit committee
• § 1761d— Supervisory committee; powers and duties; suspension of members; passbook
• § 1763— Dividends
• § 1764— Expulsion and withdrawal
• § 1765— Minors
• § 1766— Powers of Board
• § 1767— Fiscal agents and depositories; authorization to secure deposits by governmental bodies
• § 1768— Taxation
• § 1769— Separability; right to alter, amend, or repeal chapter
• § 1770— Allotment of space in Federal buildings or Federal land
• § 1771— Conversion from Federal to State credit union and from State to Federal credit union
• § 1772— Territorial application of chapter
• § 1772a— Gifts; acceptance of conditional gifts; deposit
• § 1772b— Apportionment
• § 1772c— Trust fund
• § 1772c–1— Community development revolving loan fund for credit unions
• § 1772d— Forfeiture of organization certificate for money laundering or cash transaction reporting offenses
• § 1772e— Data standards
• § 1772f— Open data publication
• § 1773— District of Columbia credit unions; conversion to Federal status
• § 1774— Approval of certificate; assets and obligations of applicant credit union
• § 1775— Conditions upon conversion to Federal status
• § 1781— Insurance of member accounts
• § 1782— Administration of insurance fund
• § 1783— National Credit Union Share Insurance Fund
• § 1784— Examination of insured credit unions
• § 1785— Requirements governing insured credit unions
• § 1786— Termination of insured credit union status; cease and desist orders; removal or suspension from office; procedure
• § 1787— Payment of insurance
• § 1788— Special assistance to avoid liquidation
• § 1789— Administrative provisions
• § 1789a— Credit unions as depositaries of public money; fiscal agents; duties
• § 1790— Nondiscriminatory provision
• § 1790a— Board disapproval of directors, committee members, and senior executive officers of insured credit unions
• § 1790b— Credit union employee protection remedy
• § 1790c— Reward for information leading to recoveries or civil penalties
• § 1790d— Prompt corrective action
• § 1790e— Temporary Corporate Credit Union Stabilization Fund
• § 1795— Congressional findings
• § 1795a— Definitions
• § 1795b— National Credit Union Administration Central Liquidity Facility; establishment; management; jurisdiction
• § 1795c— Membership
• § 1795d— Capital stock
• § 1795e— Extensions of credit
• § 1795f— Powers of Board
• § 1795g— Depositories, custodians, and fiscal agents
• § 1795h— Audit of financial transactions
• § 1795i— Annual report
• § 1795j— Agent of Federal Reserve System
• § 1795k— State and local tax exemption
• § 1811— Federal Deposit Insurance Corporation
• § 1812— Management
• § 1813— Definitions
• § 1814— Insured depository institutions
• § 1815— Deposit insurance
• § 1816— Factors to be considered
• § 1817— Assessments
• § 1818— Termination of status as insured depository institution
• § 1819— Corporate powers
• § 1820— Administration of Corporation
• § 1820a— Examination of investment companies
• § 1821— Insurance Funds
• § 1821a— FSLIC Resolution Fund
• § 1822— Corporation as receiver
• § 1823— Corporation monies
• § 1824— Borrowing authority
• § 1825— Issuance of notes, debentures, bonds, and other obligations; exemptions
• § 1826— Forms of obligations; preparation by Secretary of the Treasury
• § 1827— Reports by Corporation; audit of financial transactions; report on audits; employment of certified public accountants for audits
• § 1828— Regulations governing insured depository institutions
• § 1828a— Prudential safeguards
• § 1828b— Interagency data sharing
• § 1829— Penalty for unauthorized participation by convicted individual
• § 1829a— Participation by State nonmember insured banks in lotteries and related activities
• § 1829b— Retention of records by insured depository institutions
• § 1829c— Making online banking initiation legal and easy
• § 1830— Nondiscrimination
• § 1831— Separability of certain provisions of this chapter
• § 1831a— Activities of insured State banks
• § 1831aa— Enforcement of agreements
• § 1831b— Disclosures with respect to certain federally related mortgage loans
• § 1831bb— Capital requirements for certain acquisition, development, or construction loans
• § 1831c— Assuring consistent oversight of subsidiaries of holding companies
• § 1831cc— Data standards
• § 1831d— State-chartered insured depository institutions and insured branches of foreign banks
• § 1831dd— Open data publication
• § 1831e— Activities of savings associations
• § 1831f— Brokered deposits
• § 1831g— Contracts between depository institutions and persons providing goods, products, or services
• § 1831i— Agency disapproval of directors and senior executive officers of insured depository institutions or depository institution holding companies
• § 1831j— Depository institution employee protection remedy
• § 1831k— Reward for information leading to recoveries or civil penalties
• § 1831l— Coordination of risk analysis between SEC and Federal banking agencies
• § 1831m— Early identification of needed improvements in financial management
• § 1831m–1— Reports of information regarding safety and soundness of depository institutions
• § 1831n— Accounting objectives, standards, and requirements
• § 1831o— Prompt corrective action
• § 1831o–1— Source of strength
• § 1831p–1— Standards for safety and soundness
• § 1831q— FDIC affordable housing program
• § 1831r— Payments on foreign deposits prohibited
• § 1831r–1— Notice of branch closure
• § 1831t— Depository institutions lacking Federal deposit insurance
• § 1831u— Interstate bank mergers
• § 1831v— Authority of State insurance regulator and Securities and Exchange Commission
• § 1831w— Safety and soundness firewalls applicable to financial subsidiaries of banks
• § 1831x— Insurance customer protections
• § 1831y— CRA sunshine requirements
• § 1831z— Bi-annual FDIC survey and report on encouraging use of depository institutions by the unbanked
• § 1832— Withdrawals by negotiable or transferable instruments for transfers to third parties
• § 1833a— Civil penalties
• § 1833b— Comparability in compensation schedules
• § 1833c— Comptroller General audit and access to records
• § 1833e— Equal opportunity
• § 1834— Reduced assessment rate for deposits attributable to lifeline accounts
• § 1834a— Assessment credits for qualifying activities relating to distressed communities
• § 1834b— Community development organizations
• § 1835— Insured depository institution capital requirements for transfers of small business obligations
• § 1835a— Prohibition against deposit production offices
• § 1841— Definitions
• § 1842— Acquisition of bank shares or assets
• § 1843— Interests in nonbanking organizations
• § 1844— Administration
• § 1846— Reservation of rights to States
• § 1847— Penalties
• § 1848— Judicial review
• § 1849— Saving provision
• § 1850— Acquisition of subsidiary and tying arrangement: Federal Reserve Board proceedings; application for authorization; competitor as party in interest and person aggrieved; judicial review
• § 1850a— Securities holding companies
• § 1851— Prohibitions on proprietary trading and certain relationships with hedge funds and private equity funds
• § 1852— Concentration limits on large financial firms
• § 1861— Short title and definitions
• § 1862— Amount of investment in bank service company
• § 1863— Permissible bank service company activities for depository institutions
• § 1864— Permissible bank service company activities for other persons
• § 1865— Prior approval for investments in bank service companies
• § 1866— Services to nonstockholders or nonmembers
• § 1867— Regulation and examination of bank service companies
• § 1881— “Federal supervisory agency” defined
• § 1882— Security measures
• § 1883— Insurance rates; report to Congress
• § 1884— Penalties for violations
• § 1951— Congressional findings and declaration of purpose
• § 1952— Reports on ownership and control
• § 1953— Recordkeeping and procedures
• § 1954— Injunctions
• § 1955— Civil penalties
• § 1956— Criminal penalty
• § 1957— Additional criminal penalty in certain cases
• § 1958— Compliance
• § 1959— Administrative procedure
• § 1960— Safe harbor with respect to keep open directives
• § 1971— Definitions
• § 1972— Certain tying arrangements prohibited; correspondent accounts
• § 1973— Jurisdiction of courts; duty of United States attorneys; equitable proceedings; petition; expedition of cases; temporary restraining orders; bringing in additional parties; subpenas
• § 1974— Actions by United States; subpenas for witnesses
• § 1975— Civil actions by persons injured; jurisdiction and venue; amount of recovery
• § 1976— Injunctive relief for persons against threatened loss or damages; equitable proceedings; preliminary injunctions
• § 1977— Limitation of actions; suspension of limitations
• § 1978— Actions under other Federal or State laws unaffected; regulations or orders barred as a defense
• § 2001— Congressional declaration of policy and objectives
• § 2002— Farm Credit System
• § 2011— Establishment, charters, titles, branches
• § 2012— Board of directors
• § 2013— General corporate powers
• § 2014— Farm Credit Bank capitalization
• § 2015— Lending authority
• § 2016— Interest rates and other charges
• § 2017— Eligibility
• § 2018— Security; terms
• § 2019— Purposes for extensions of credit
• § 2020— Related services
• § 2021— Loans through associations or agents
• § 2022— Liens on stock
• § 2023— Taxation
• § 2071— Organization and charters
• § 2072— Board of directors
• § 2073— General corporate powers
• § 2074— Production credit association capitalization
• § 2075— Short- and intermediate-term loans; participation; other financial assistance; terms; conditions; interest; security
• § 2076— Other services
• § 2076a— Liens on stock
• § 2077— Taxation
• § 2091— Organizations; articles; charters; powers of the Farm Credit Administration
• § 2092— Board of directors
• § 2093— General corporate powers
• § 2094— Federal land bank association capitalization
• § 2096— Agreements for sharing gains or losses
• § 2097— Liens on stock
• § 2098— Taxation
• § 2121— Establishment; titles; branches
• § 2122— Corporate existence; general corporate powers
• § 2123— Board of directors
• § 2124— Stock of banks for cooperatives
• § 2125— Dividends
• § 2126— Retirement of stock
• § 2127— Guaranty fund subscriptions in lieu of stock
• § 2128— Loans, commitments, and technical and financial assistance
• § 2129— Eligibility
• § 2130— Ownership of stock by borrowers
• § 2131— Loans
• § 2132— Earnings and reserves; application of savings
• § 2133— Distribution of assets on liquidation or dissolution
• § 2134— Taxation
• § 2141— Charter, powers, and operation
• § 2143— Credit delivery office
• § 2144— Consolidation of functions
• § 2145— Exchange of ownership interests
• § 2146— Capitalization
• § 2147— Patronage pools
• § 2148— Transactions to accomplish merger
• § 2149— Lending limits
• § 2153— Power to borrow; issuance of notes, bonds, debentures, and other obligations
• § 2154— Capital adequacy of banks and institutions
• § 2154a— Capitalization of System institutions
• § 2155— Liability of banks; United States not liable
• § 2157— Bonds as investments
• § 2158— Purchase and sale by Federal Reserve System
• § 2159— Purchase and sale of obligations
• § 2160— Federal Farm Credit Banks Funding Corporation
• § 2162— Protection of borrower stock
• § 2183— Dissolution; voluntary or involuntary liquidation; mergers; receiverships or conservators
• § 2184— Communications with stockholders
• § 2199— Disclosure
• § 2200— Access to documents and information
• § 2201— Notice of action on application
• § 2202— Reconsideration of actions
• § 2202a— Restructuring distressed loans
• § 2202b— Effect of restructuring on borrower stock
• § 2202d— Protection of borrowers who meet all loan obligations
• § 2202e— Waiver of mediation rights by borrowers
• § 2203— Nomination of association directors; representative selection of nominees
• § 2205— Interest rates
• § 2206— Participation loans
• § 2206a— Authority of Farm Credit Banks and direct lender associations to participate in loans to similar entities for risk management purposes
• § 2207— Young, beginning, and small farmers and ranchers
• § 2208— Prohibition against use of signed ballots
• § 2211— Establishment
• § 2212— Powers of Farm Credit Administration
• § 2213— Regulation and examination
• § 2214— State laws
• § 2214a— “Bank” defined
• § 2218— Lines of insurance
• § 2219— Limitation on separate sale
• § 2219a— Right of first refusal
• § 2219b— Application of uninsured accounts
• § 2219c— Affirmative action
• § 2219d— Encouragement of conservation practices
• § 2219e— Liability for making criminal referrals
• § 2241— Farm Credit Administration
• § 2242— Farm Credit Administration Board
• § 2243— Powers of Board
• § 2244— Chairman; responsibilities; governing standards
• § 2245— Organization of Farm Credit Administration
• § 2246— Advisory committees
• § 2248— Seal of the Farm Credit Administration
• § 2249— Administrative expenses
• § 2250— Farm Credit Administration operating expenses fund
• § 2251— Quarters and facilities for the Farm Credit Administration
• § 2252— Powers and duties
• § 2254— Examinations
• § 2255— Conditions of other banks and lending institutions
• § 2256— Consent to the availability of reports and to examinations
• § 2257— Reports on conditions of institutions receiving loans or deposits
• § 2257a— Uniform financial reporting instructions
• § 2258— Jurisdiction
• § 2259— State legislation
• § 2261— Cease and desist proceedings
• § 2262— Temporary cease and desist orders
• § 2263— Enforcement of temporary cease and desist orders
• § 2264— Suspension or removal of director or officer
• § 2265— Suspension or removal of director or officer charged with felony
• § 2265a— Removal and prohibition authority; industry-wide prohibition
• § 2266— Hearings and judicial review
• § 2267— Jurisdiction and enforcement
• § 2267a— Jurisdiction over institution-affiliated parties
• § 2268— Penalty
• § 2269— Further penalties
• § 2270— Replacement of suspended or removed directors
• § 2271— Definitions
• § 2272— Notice of service
• § 2273— Ancillary provisions; subpena power; etc.
• § 2274— Power to remove directors and officers
• § 2275a— Transition rules relating to amendment of certain FCA approval authorities
• § 2276— Access to and examination by Comptroller General of books, documents, etc., of farm credit system banks and institutions
• § 2277a— Definitions
• § 2277a–1— Establishment of Farm Credit System Insurance Corporation
• § 2277a–10— Powers of Corporation with respect to troubled insured System banks
• § 2277a–10a— Oversight actions by Corporation
• § 2277a–10b— Authority to regulate golden parachute and indemnification payments
• § 2277a–10c— Corporation as conservator or receiver; certain other powers
• § 2277a–11— Investment of funds
• § 2277a–12— Exemption from taxation
• § 2277a–14— Prohibitions
• § 2277a–2— Board of Directors
• § 2277a–3— Commencement of insurance
• § 2277a–4— Premiums
• § 2277a–5— Certification of premiums
• § 2277a–6— Overpayment and underpayment of premiums; remedies
• § 2277a–7— General corporate powers
• § 2277a–8— Conduct of corporate affairs; examination of System institutions
• § 2277a–9— Insurance Fund
• § 2279a— Power to merge
• § 2279a–1— Board of directors
• § 2279a–2— Powers of merged banks
• § 2279a–3— Capitalization
• § 2279aa— Definitions
• § 2279aa–1— Federal Agricultural Mortgage Corporation
• § 2279aa–10— Funding for guarantee; reserves of Corporation
• § 2279aa–11— Supervision, examination, and report of condition
• § 2279aa–12— Securities in credit enhanced pools
• § 2279aa–13— Authority to issue obligations to cover guarantee losses of Corporation
• § 2279aa–14— Federal jurisdiction
• § 2279aa–2— Board of directors
• § 2279aa–3— Powers and duties of Corporation and Board
• § 2279aa–4— Stock issuance
• § 2279aa–5— Certification of agricultural mortgage marketing facilities
• § 2279aa–6— Guarantee of qualified loans
• § 2279aa–8— Standards for qualified loans
• § 2279aa–9— Exemption from restructuring and borrowers rights provisions for pooled loans
• § 2279b— Transfer of lending authority
• § 2279bb— Definitions
• § 2279bb–1— Risk-based capital levels
• § 2279bb–2— Minimum capital level
• § 2279bb–3— Critical capital level
• § 2279bb–4— Enforcement levels
• § 2279bb–5— Mandatory actions applicable to level II
• § 2279bb–6— Supervisory actions applicable to level III
• § 2279c— Equalization of loan-making powers of certain district associations
• § 2279c–1— Merger of associations
• § 2279c–2— Reconsideration
• § 2279cc— Conservatorship; liquidation; receivership
• § 2279d— Termination of System institution status
• § 2279e— Approval of disclosure information and issuance of charters
• § 2279f— Merger of similar banks
• § 2279f–1— Merger of similar associations
• § 2279g— Transactions to accomplish mergers exempt from certain State taxes
• § 2281— Congressional findings and declaration of purpose
• § 2282— Definitions
• § 2283— Creation of Federal Financing Bank
• § 2284— Board of Directors
• § 2285— Functions
• § 2285a— Acquisition of obligations involving loan guarantees for New York City
• § 2286— Approval of financing plans by Secretary of the Treasury
• § 2287— Initial capital
• § 2288— Bank obligations
• § 2289— General powers
• § 2290— Exemptions
• § 2291— Preparation of obligations
• § 2292— Annual report to the President and Congress
• § 2293— Budget and audit provisions of Government corporation control law applicable
• § 2294— Payments on behalf of public bodies
• § 2294a— Contracts for periodic payments to offset costs of purchase of obligations of local public housing agencies
• § 2295— Authority or responsibility under other provisions of law not to be affected or impaired
• § 2296— Increase not authorized in amounts of obligations issued, sold, or guaranteed by Federal agencies
• § 2401— Establishment of Commission
• § 2402— Membership of Commission
• § 2403— Functions of Commission
• § 2404— Powers of Commission
• § 2405— Executive Director and additional staff personnel; appointment and compensation; experts and consultants; employment and compensation; audits by Comptroller General
• § 2406— Compensation of members of Commission
• § 2407— Cooperation and assistance of other Federal departments, agencies, and instrumentalities
• § 2408— Authorization of appropriations
• § 2501— Congressional findings and declaration of purpose
• § 2502— Definitions
• § 2503— State entitlement to escheat or custody
• § 2601— Congressional findings and purpose
• § 2602— Definitions
• § 2603— Uniform settlement statement
• § 2604— Home buying information booklets
• § 2605— Servicing of mortgage loans and administration of escrow accounts
• § 2606— Exempted transactions
• § 2607— Prohibition against kickbacks and unearned fees
• § 2608— Title companies; liability of seller
• § 2609— Limitation on requirement of advance deposits in escrow accounts
• § 2610— Prohibition of fees for preparation of truth-in-lending, uniform settlement, and escrow account statements
• § 2614— Jurisdiction of courts; limitations
• § 2615— Contracts and liens; validity
• § 2616— State laws unaffected; inconsistent Federal and State provisions
• § 2617— Authority of Bureau
• § 2701— Congressional findings and declaration of purpose
• § 2702— Mortgages eligible for assistance
• § 2703— Manner of assistance and repayment
• § 2704— Insurance for emergency mortgage loans and advances
• § 2705— Emergency mortgage relief payments
• § 2706— Emergency Homeowners’ Relief Fund
• § 2707— Authority of Secretary
• § 2708— Expiration date
• § 2711— Nonapplicability of other laws
• § 2801— Congressional findings and declaration of purpose
• § 2802— Definitions
• § 2803— Maintenance of records and public disclosure
• § 2804— Enforcement
• § 2805— Relation to State laws
• § 2806— Compliance improvement methods
• § 2807— Report
• § 2808— Effective date
• § 2809— Compilation of aggregate data
• § 2810— Disclosure by Secretary; commencement, scope, etc.
• § 2901— Congressional findings and statement of purpose
• § 2902— Definitions
• § 2903— Financial institutions; evaluation
• § 2904— Report to Congress
• § 2905— Regulations
• § 2906— Written evaluations
• § 2907— Operation of branch facilities by minorities and women
• § 2908— Small bank regulatory relief
• § 3001— Congressional statement of findings and purpose
• § 3011— Creation and charter; principal office; venue; purposes
• § 3012— General corporate powers
• § 3013— Board of Directors
• § 3014— Capitalization
• § 3015— Eligibility of cooperatives
• § 3016— Annual meetings; notice, agenda, etc.
• § 3017— Bonds, debentures, notes and other evidences of indebtedness
• § 3017a— Class A notes as paid-in capital of the Bank
• § 3018— Loans
• § 3019— Taxation by State, county, etc., taxing authority; Federal tax status
• § 3020— Quarters and space for principal and other offices
• § 3021— Annual report to Congress; contents
• § 3022— Authorization of additional appropriations; restrictions on use
• § 3023— Appeal procedures applicable upon denial or restriction of application for assistance
• § 3024— Conflict of interest rules; adoption and publication; requirements
• § 3025— Examination and audit
• § 3026— Acceleration of the Final Government Equity Redemption Date
• § 3041— Establishment; appointment, etc., of Director
• § 3042— Authorization of appropriations for advances; deposits into separate Account in Bank; availability of amounts
• § 3043— Advances
• § 3044— Services and information for organization, financing, and management of cooperatives; availability; agreements for development and dissemination; funding
• § 3045— Investigations and surveys respecting new services, etc., by cooperative not-for-profit organizations
• § 3046— Financial analysis and market surveys at request of eligible cooperative
• § 3047— Programs for training directors and staff of eligible cooperatives, and public education; development and availability; scope and implementation
• § 3048— Cooperation with Federal agencies offering programs for consumer cooperatives in disseminating information
• § 3049— Authorization of appropriations for administration; availability of amounts
• § 3050— Fees for providing technical assistance services; waiver; accounting and availability
• § 3051— Nonprofit corporation
• § 3101— Definitions
• § 3102— Establishment of Federal branches and agencies by foreign bank
• § 3103— Interstate banking by foreign banks
• § 3104— Insurance of deposits
• § 3105— Authority of Federal Reserve System
• § 3106— Nonbanking activities of foreign banks
• § 3106a— Compliance with State and Federal laws
• § 3107— Representative offices
• § 3108— Regulation and enforcement
• § 3109— Cooperation with foreign supervisors
• § 3110— Penalties
• § 3111— Criminal penalty
• § 3201— Definitions
• § 3202— Dual service of management official as management official of unaffiliated institution or holding company in same area, town, or village prohibited
• § 3203— Dual service of management official of $2,500,000,000 institution or holding company as management official of unaffiliated $1,500,000,000 institution or holding company prohibited
• § 3204— Exceptions
• § 3205— Management official in position prior to November 10, 1978
• § 3206— Administration and enforcement
• § 3207— Rules and regulations
• § 3208— Powers available to Attorney General for enforcement
• § 3301— Declaration of purpose
• § 3302— Definitions
• § 3303— Financial Institutions Examination Council
• § 3304— Costs and expenses of Council
• § 3305— Functions of Council
• § 3306— State liaison
• § 3307— Administration
• § 3308— Access to books, accounts, records, etc., by Council
• § 3309— Risk management training
• § 3310— Establishment of Appraisal Subcommittee
• § 3311— Required review of regulations
• § 3331— Purpose
• § 3332— Functions of Appraisal Subcommittee
• § 3333— Chairperson of Appraisal Subcommittee; term of Chairperson; meetings
• § 3334— Officers and staff
• § 3335— Powers of Appraisal Subcommittee
• § 3336— Procedures for establishing appraisal standards and requiring use of certified and licensed appraisers
• § 3337— Startup funding
• § 3338— Roster of State certified or licensed appraisers; authority to collect and transmit fees
• § 3339— Functions of Federal financial institutions regulatory agencies relating to appraisal standards
• § 3340— Time for proposal and adoption of standards
• § 3341— Functions of Federal financial institutions regulatory agencies relating to appraiser qualifications
• § 3342— Transactions requiring services of State certified appraiser
• § 3343— Transactions requiring services of State licensed appraiser
• § 3344— Time for proposal and adoption of rules
• § 3345— Certification and licensing requirements
• § 3346— Establishment of State appraiser certifying and licensing agencies
• § 3347— Monitoring of State appraiser certifying and licensing agencies
• § 3348— Recognition of State certified and licensed appraisers for purposes of this chapter
• § 3349— Violations in obtaining and performing appraisals in federally related transactions
• § 3350— Definitions
• § 3351— Miscellaneous provisions
• § 3352— Emergency exceptions for disaster areas
• § 3353— Appraisal management company minimum requirements
• § 3354— Automated valuation models used to estimate collateral value for mortgage lending purposes
• § 3355— Broker price opinions
• § 3356— Exemption from appraisals of real estate located in rural areas
• § 3401— Definitions
• § 3402— Access to financial records by Government authorities prohibited; exceptions
• § 3403— Confidentiality of financial records
• § 3404— Customer authorizations
• § 3405— Administrative subpena and summons
• § 3406— Search warrants
• § 3407— Judicial subpena
• § 3408— Formal written request
• § 3409— Delayed notice
• § 3410— Customer challenges
• § 3411— Duty of financial institutions
• § 3412— Use of information
• § 3413— Exceptions
• § 3414— Special procedures
• § 3415— Cost reimbursement
• § 3416— Jurisdiction
• § 3417— Civil penalties
• § 3418— Injunctive relief
• § 3419— Suspension of limitations
• § 3420— Grand jury information; notification of certain persons prohibited
• § 3422— Applicability to Securities and Exchange Commission
• § 3423— Immunity from suit for disclosure of financial exploitation of senior citizens
• § 3701— Findings and purpose
• § 3702— Definitions
• § 3703— Applicability
• § 3704— Foreclosure commissioner; designation, duties, etc.
• § 3705— Prerequisites to foreclosure
• § 3706— Notice of default and foreclosure sale; condition and term of sale
• § 3707— Commencement of foreclosure; powers and duties of foreclosure commissioner or substitute
• § 3708— Service of notice of default and foreclosure sale
• § 3709— Presale reinstatement
• § 3710— Foreclosure sale
• § 3711— Foreclosure costs
• § 3712— Disposition of sale proceeds
• § 3713— Transfer of title and possession
• § 3714— Record of foreclosure and sale
• § 3715— Computation of time
• § 3716— Separability
• § 3717— Regulations
• § 3751— Findings and purpose
• § 3752— Definitions
• § 3753— Applicability
• § 3754— Designation of foreclosure commissioner
• § 3755— Prerequisites to foreclosure
• § 3756— Commencement of foreclosure
• § 3757— Notice of default and foreclosure sale
• § 3758— Service of notice of foreclosure sale
• § 3759— Presale reinstatement
• § 3760— Conduct of sale; adjournment
• § 3761— Foreclosure costs
• § 3762— Disposition of sale proceeds
• § 3763— Transfer of title and possession
• § 3764— Record of foreclosure and sale
• § 3765— Effect of sale
• § 3766— Computation of time
• § 3767— Severability
• § 3768— Deficiency judgment
• § 3801— Findings and purpose
• § 3802— Definitions
• § 3803— Alternative mortgage authority
• § 3804— Applicability of preemption provisions
• § 3805— Applicability of consumer protection provisions
• § 3806— Adjustable rate mortgage caps
• § 3901— Congressional declaration of policy
• § 3902— Definitions
• § 3903— Strengthened supervision of international lending
• § 3904— Reserves
• § 3904a— Additional reserve requirements
• § 3905— Accounting for fees on international loans
• § 3906— Collection and disclosure of international lending data
• § 3907— Capital adequacy
• § 3908— Foreign loan evaluations
• § 3909— General authorities
• § 3910— Audit authority of Government Accountability Office
• § 3911— Equal representation for Federal Deposit Insurance Corporation and the Office of Thrift Supervision
• § 4001— Definitions
• § 4002— Expedited funds availability schedules
• § 4003— Safeguard exceptions
• § 4004— Disclosure of funds availability policies
• § 4005— Payment of interest
• § 4006— Miscellaneous provisions
• § 4007— Effect on State law
• § 4008— Regulations and reports by Board
• § 4009— Administrative enforcement
• § 4010— Civil liability
• § 4101— General prepayment limitation
• § 4102— Notice of intent
• § 4103— Appraisal and preservation value of eligible low-income housing
• § 4104— Annual authorized return and preservation rents
• § 4105— Federal cost limits and limitations on plans of action
• § 4106— Information from Secretary
• § 4107— Plan of action
• § 4108— Prepayment and voluntary termination
• § 4109— Incentives to extend low-income use
• § 4110— Incentives for transfer to qualified purchasers
• § 4111— Mandatory sale for housing exceeding Federal cost limits
• § 4112— Criteria for approval of plan of action involving incentives
• § 4113— Assistance for displaced tenants
• § 4114— Permissible prepayment or voluntary termination and modification of commitments
• § 4115— Timetable for approval of plan of action
• § 4116— Resident homeownership program
• § 4117— Delegated responsibility to State agencies
• § 4118— Consultations with other interested parties
• § 4119— Definitions
• § 4120— Notice to tenants
• § 4121— Definitions of qualified and priority purchaser and related party rule
• § 4122— Preemption of State and local laws
• § 4123— Severability
• § 4124— Authorization of appropriations
• § 4125— State preservation project assistance
• § 4141— Authority
• § 4142— Purposes
• § 4143— Grants for building resident capacity and funding predevelopment costs
• § 4144— Grants for other purposes
• § 4145— Delivery of assistance through intermediaries
• § 4146— Definitions
• § 4147— Funding
• § 4201— Filing of confidential declarations by private persons
• § 4202— Contents of declarations
• § 4203— Confidentiality of declarations
• § 4204— Ineligibility to file valid declarations
• § 4205— Rights of declarants; participation in actions, awards
• § 4206— Rights of declarants; notifications; Government accountability
• § 4207— Unreviewed declarations; petition to pursue action as private contractor
• § 4208— Nonreviewability of action by Attorney General
• § 4210— Sources of payments to declarants
• § 4212— Protection for declarants
• § 4213— Promulgation of regulations
• § 4221— Filing of confidential declarations by private persons identifying specific assets
• § 4222— Contents of declarations
• § 4223— Confidentiality of declarations
• § 4224— Ineligibility to file valid declarations
• § 4225— Rights of declarants; participation in actions, awards
• § 4226— Rights of declarants; notifications; Government accountability
• § 4227— Unreviewed declarations; petition to pursue action as private contractor
• § 4228— Nonreviewability of action by Attorney Gen­eral
• § 4229— Protection for declarants
• § 4230— Promulgation of regulations
• § 4241— Authority to enter into contracts for private counsel
• § 4242— Contract decisions nonreviewable
• § 4243— Representation
• § 4244— Contract provisions
• § 4245— Counterclaims
• § 4246— Awards of costs and fees to prevailing plaintiff
• § 4247— Promulgation of regulations
• § 4301— Findings and purpose
• § 4302— Disclosure of interest rates and terms of accounts
• § 4303— Account schedule
• § 4304— Disclosure requirements for certain accounts
• § 4305— Distribution of schedules
• § 4306— Payment of interest
• § 4307— Periodic statements
• § 4308— Regulations
• § 4309— Administrative enforcement
• § 4311— Credit unions
• § 4312— Effect on State law
• § 4313— Definitions
• § 4401— Findings and purpose
• § 4402— Definitions
• § 4403— Bilateral netting
• § 4404— Clearing organization netting
• § 4405— Preemption
• § 4406— Relationship to other payments systems
• § 4406a— Treatment of contracts with uninsured national banks, uninsured Federal branches and agencies, certain uninsured State member banks, and Edge Act corporations
• § 4407— National emergencies
• § 4501— Congressional findings
• § 4502— Definitions
• § 4503— Protection of taxpayers against liability
• § 4511— Establishment of the Federal Housing Finance Agency
• § 4512— Director
• § 4513— Duties and authorities of Director
• § 4513a— Federal Housing Finance Oversight Board
• § 4513b— Prudential management and operations standards
• § 4514— Authority to require reports by regulated entities
• § 4514a— Study and reports on guarantee fees
• § 4515— Personnel
• § 4516— Funding
• § 4517— Examinations
• § 4518— Prohibition and withholding of executive compensation
• § 4518a— Limitation on bonuses to executives of Fannie Mae and Freddie Mac
• § 4519— Authority to provide for review of regulated entities
• § 4520— Minority and women inclusion; diversity requirements
• § 4521— Annual reports by Director
• § 4522— Public disclosure of final orders and agreements
• § 4523— Limitation on subsequent employment
• § 4524— Audits by GAO
• § 4525— Information, records, and meetings
• § 4526— Regulations and orders
• § 4527— Data standards
• § 4528— Open data publication
• § 4541— Prior approval authority for products
• § 4542— Housing Price Index
• § 4543— Public access to mortgage information
• § 4544— Annual housing report
• § 4545— Fair housing
• § 4546— Prohibition of public disclosure of proprietary information
• § 4547— Enterprise guarantee fees
• § 4548— Regulations for use of credit scores
• § 4561— Establishment of housing goals
• § 4562— Single-family housing goals
• § 4563— Multifamily special affordable housing goal
• § 4564— Discretionary adjustment of housing goals
• § 4565— Duty to serve underserved markets and other requirements
• § 4566— Monitoring and enforcing compliance with housing goals
• § 4567— Affordable housing allocations
• § 4568— Housing Trust Fund
• § 4569— Capital Magnet Fund
• § 4581— Cease and desist proceedings
• § 4582— Hearings
• § 4583— Judicial review
• § 4584— Enforcement and jurisdiction
• § 4585— Civil money penalties
• § 4586— Public disclosure of final orders and agreements
• § 4587— Notice of service
• § 4588— Subpoena authority
• § 4601— Review of underwriting guidelines
• § 4602— Studies of effects of privatization of FNMA and FHLMC
• § 4603— Transition
• § 4611— Risk-based capital levels for regulated entities
• § 4612— Minimum capital levels
• § 4613— Critical capital levels
• § 4614— Capital classifications
• § 4615— Supervisory actions applicable to undercapitalized regulated entities
• § 4616— Supervisory actions applicable to significantly undercapitalized regulated entities
• § 4617— Authority over critically undercapitalized regulated entities
• § 4618— Notice of classification and enforcement action
• § 4622— Capital restoration plans
• § 4623— Judicial review of Director action
• § 4624— Reviews of enterprise assets and liabilities
• § 4631— Cease-and-desist proceedings
• § 4632— Temporary cease-and-desist orders
• § 4633— Hearings
• § 4634— Judicial review
• § 4635— Enforcement and jurisdiction
• § 4636— Civil money penalties
• § 4636a— Removal and prohibition authority
• § 4636b— Criminal penalty
• § 4637— Notice after separation from service
• § 4638— Private rights of action
• § 4639— Public disclosure of final orders and agreements
• § 4640— Notice of service
• § 4641— Subpoena authority
• § 4642— Reporting of fraudulent loans
• § 4701— Findings and purposes
• § 4702— Definitions
• § 4703— Establishment of national Fund for community development banking
• § 4703a— Capital investments for neighborhoods disproportionately impacted by the COVID–19 pandemic
• § 4704— Applications for assistance
• § 4705— Community partnerships
• § 4706— Selection of institutions
• § 4707— Assistance provided by Fund
• § 4708— Training
• § 4709— Encouragement of private entities
• § 4710— Collection and compilation of information
• § 4711— Investment of receipts and proceeds
• § 4712— Capitalization assistance to enhance liquidity
• § 4713— Incentives for depository institution participation
• § 4713a— Guarantees for bonds and notes issued for community or economic development purposes
• § 4714— Recordkeeping
• § 4715— Special provisions with respect to institutions that are supervised by Federal banking agencies
• § 4716— Studies and reports; examination and audit
• § 4717— Enforcement
• § 4718— Authorization of appropriations
• § 4719— Grants to establish loan-loss reserve funds
• § 4741— Findings and purposes
• § 4742— Definitions
• § 4743— Approving States for participation
• § 4744— Participation agreements
• § 4745— Terms of participation agreements
• § 4746— Reports
• § 4747— Reimbursement by Fund
• § 4748— Reimbursement to Fund
• § 4749— Regulations
• § 4750— Authorization of appropriations
• § 4801— Incorporated definitions
• § 4802— Administrative consideration of burden with new regulations
• § 4803— Streamlining of regulatory requirements
• § 4804— Elimination of duplicative filings
• § 4805— Call report simplification
• § 4805a— Call report simplification
• § 4806— Regulatory appeals process, ombudsman, and alternative dispute resolution
• § 4807— Time limit on agency consideration of completed applications
• § 4808— Revising regulatory requirements for transfers of all types of assets with recourse
• § 4809— “Plain language” requirement for Federal banking agency rules
• § 4901— Definitions
• § 4902— Termination of private mortgage insurance
• § 4903— Disclosure requirements
• § 4904— Notification upon cancellation or termination
• § 4905— Disclosure requirements for lender paid mortgage insurance
• § 4906— Fees for disclosures
• § 4907— Civil liability
• § 4908— Effect on other laws and agreements
• § 4909— Enforcement
• § 4910— Construction
• § 5001— Findings; purposes
• § 5002— Definitions
• § 5003— General provisions governing substitute checks
• § 5004— Substitute check warranties
• § 5005— Indemnity
• § 5006— Expedited recredit for consumers
• § 5007— Expedited recredit procedures for banks
• § 5008— Delays in an emergency
• § 5009— Measure of damages
• § 5010— Statute of limitations and notice of claim
• § 5011— Consumer awareness
• § 5012— Effect on other law
• § 5013— Variation by agreement
• § 5014— Regulations
• § 5015— Study and report on funds availability
• § 5016— Statistical reporting of costs and revenues for transporting checks between reserve banks
• § 5017— Evaluation and report by the Comptroller General
• § 5018— Depositary services efficiency and cost reduction
• § 5101— Purposes and methods for establishing a mortgage licensing system and registry
• § 5102— Definitions
• § 5103— License or registration required
• § 5104— State license and registration application and issuance
• § 5105— Standards for State license renewal
• § 5106— System of registration administration by Federal agencies
• § 5107— Bureau of Consumer Financial Protection backup authority to establish loan originator licensing system
• § 5108— Backup authority to establish a nationwide mortgage licensing and registry system
• § 5109— Fees
• § 5110— Background checks of loan originators
• § 5111— Confidentiality of information
• § 5112— Liability provisions
• § 5113— Enforcement by the Bureau
• § 5114— State examination authority
• § 5115— Reports and recommendations to Congress
• § 5116— Study and reports on defaults and foreclosures
• § 5117— Employment transition of loan originators
• § 5201— Purposes
• § 5202— Definitions
• § 5211— Purchases of troubled assets
• § 5212— Insurance of troubled assets
• § 5213— Considerations
• § 5214— Financial Stability Oversight Board
• § 5215— Reports
• § 5216— Rights; management; sale of troubled assets; revenues and sale proceeds
• § 5217— Contracting procedures
• § 5218— Conflicts of interest
• § 5219— Foreclosure mitigation efforts
• § 5219a— Home Affordable Modification Program guidelines
• § 5219b— Public availability of information of Making Home Affordable Program
• § 5220— Assistance to homeowners
• § 5220a— Application of GSE conforming loan limit to mortgages assisted with TARP funds
• § 5220b— Multifamily mortgage resolution program
• § 5221— Executive compensation and corporate governance
• § 5222— Coordination with foreign authorities and central banks
• § 5223— Minimization of long-term costs and maximization of benefits for taxpayers
• § 5224— Market transparency
• § 5225— Graduated authorization to purchase
• § 5226— Oversight and audits
• § 5227— Study and report on margin authority
• § 5228— Funding
• § 5229— Judicial review and related matters
• § 5230— Termination of authority
• § 5231— Special Inspector General for the Troubled Asset Relief Program
• § 5231a— Public-Private Investment Program; additional appropriations for the Special Inspector General for the Troubled Asset Relief Program
• § 5232— Credit reform
• § 5233— Congressional Oversight Panel
• § 5234— Cooperation with the FBI
• § 5235— Disclosures on exercise of loan authority
• § 5236— Exchange Stabilization Fund reimbursement
• § 5237— Authority to suspend mark-to-market accounting
• § 5238— Study on mark-to-market accounting
• § 5239— Recoupment
• § 5240— Preservation of authority
• § 5241— Temporary increase in deposit and share insurance coverage
• § 5251— Information for congressional support agencies
• § 5252— Reports by the Office of Management and Budget and the Congressional Budget Office
• § 5253— Emergency treatment
• § 5261— Gain or loss from sale or exchange of certain preferred stock
• § 5301— Definitions
• § 5302— Severability
• § 5303— Antitrust savings clause
• § 5311— Definitions
• § 5321— Financial Stability Oversight Council established
• § 5322— Council authority
• § 5323— Authority to require supervision and regulation of certain nonbank financial companies
• § 5324— Registration of nonbank financial companies supervised by the Board of Governors
• § 5325— Enhanced supervision and prudential standards for nonbank financial companies supervised by the Board of Governors and certain bank holding companies
• § 5326— Reports
• § 5327— Treatment of certain companies that cease to be bank holding companies
• § 5328— Council funding
• § 5329— Resolution of supervisory jurisdictional disputes among member agencies
• § 5330— Additional standards applicable to activities or practices for financial stability purposes
• § 5331— Mitigation of risks to financial stability
• § 5332— GAO audit of Council
• § 5333— Study of the effects of size and complexity of financial institutions on capital market efficiency and economic growth
• § 5334— Data standards
• § 5335— Open data publication
• § 5341— Definitions
• § 5342— Office of Financial Research established
• § 5343— Purpose and duties of the Office
• § 5344— Organizational structure; responsibilities of primary programmatic units
• § 5345— Funding
• § 5346— Transition oversight
• § 5361— Reports by and examinations of nonbank financial companies by the Board of Governors
• § 5362— Enforcement
• § 5363— Acquisitions
• § 5364— Prohibition against management interlocks between certain financial companies
• § 5365— Enhanced supervision and prudential standards for nonbank financial companies supervised by the Board of Governors and certain bank holding companies
• § 5366— Early remediation requirements
• § 5367— Affiliations
• § 5368— Regulations
• § 5369— Avoiding duplication
• § 5370— Safe harbor
• § 5371— Leverage and risk-based capital requirements
• § 5372— Rule of construction
• § 5373— International policy coordination
• § 5374— Rule of construction
• § 5381— Definitions
• § 5382— Judicial review
• § 5383— Systemic risk determination
• § 5384— Orderly liquidation of covered financial companies
• § 5385— Orderly liquidation of covered brokers and dealers
• § 5386— Mandatory terms and conditions for all orderly liquidation actions
• § 5387— Directors not liable for acquiescing in appointment of receiver
• § 5388— Dismissal and exclusion of other actions
• § 5389— Rulemaking; non-conflicting law
• § 5390— Powers and duties of the Corporation
• § 5391— Inspector General reviews
• § 5392— Prohibition of circumvention and prevention of conflicts of interest
• § 5393— Ban on certain activities by senior executives and directors
• § 5394— Prohibition on taxpayer funding
• § 5401— Purposes
• § 5402— Definition
• § 5411— Transfer date
• § 5412— Powers and duties transferred
• § 5413— Abolishment
• § 5414— Savings provisions
• § 5415— References in Federal law to Federal banking agencies
• § 5416— Contracting and leasing authority
• § 5431— Interim use of funds, personnel, and property of the Office of Thrift Supervision
• § 5432— Transfer of employees
• § 5433— Property transferred
• § 5434— Funds transferred
• § 5435— Disposition of affairs
• § 5436— Continuation of services
• § 5437— Implementation plan and reports
• § 5451— Branching
• § 5452— Office of Minority and Women Inclusion
• § 5461— Findings and purposes
• § 5462— Definitions
• § 5463— Designation of systemic importance
• § 5464— Standards for systemically important financial market utilities and payment, clearing, or settlement activities
• § 5465— Operations of designated financial market utilities
• § 5466— Examination of and enforcement actions against designated financial market utilities
• § 5467— Examination of and enforcement actions against financial institutions subject to standards for designated activities
• § 5468— Requests for information, reports, or records
• § 5469— Rulemaking
• § 5470— Other authority
• § 5471— Consultation
• § 5472— Common framework for designated clearing entity risk management
• § 5481— Definitions
• § 5491— Establishment of the Bureau of Consumer Financial Protection
• § 5492— Executive and administrative powers
• § 5493— Administration
• § 5494— Consumer Advisory Board
• § 5495— Coordination
• § 5496— Appearances before and reports to Congress
• § 5496a— Annual audits
• § 5496b— GAO study of financial regulations
• § 5497— Funding; penalties and fines
• § 5498— Data standards
• § 5499— Open data publication
• § 5511— Purpose, objectives, and functions
• § 5512— Rulemaking authority
• § 5513— Review of Bureau regulations
• § 5514— Supervision of nondepository covered persons
• § 5515— Supervision of very large banks, savings associations, and credit unions
• § 5516— Other banks, savings associations, and credit unions
• § 5517— Limitations on authorities of the Bureau; preservation of authorities
• § 5518— Authority to restrict mandatory pre-dispute arbitration
• § 5519— Exclusion for auto dealers
• § 5531— Prohibiting unfair, deceptive, or abusive acts or practices
• § 5532— Disclosures
• § 5533— Consumer rights to access information
• § 5534— Response to consumer complaints and inquiries
• § 5535— Private Education Loan Ombudsman
• § 5536— Prohibited acts
• § 5537— Senior investor protections
• § 5538— Mortgage loans; rulemaking procedures; enforcement
• § 5551— Relation to State law
• § 5552— Preservation of enforcement powers of States
• § 5553— Preservation of existing contracts
• § 5561— Definitions
• § 5562— Investigations and administrative discovery
• § 5563— Hearings and adjudication proceedings
• § 5564— Litigation authority
• § 5565— Relief available
• § 5566— Referrals for criminal proceedings
• § 5567— Employee protection
• § 5581— Transfer of consumer financial protection functions
• § 5582— Designated transfer date
• § 5583— Savings provisions
• § 5584— Transfer of certain personnel
• § 5585— Incidental transfers
• § 5586— Interim authority of the Secretary
• § 5587— Transition oversight
• § 5601— Remittance transfers
• § 5602— Reverse mortgage study and regulations
• § 5603— Review, report, and program with respect to exchange facilitators
• § 5611— Liquidity event determination
• § 5612— Emergency financial stabilization
• § 5613— Additional related matters
• § 5614— Exercise of Federal Reserve authority
• § 5621— Purpose
• § 5622— Definitions
• § 5623— Expanded access to mainstream financial institutions
• § 5624— Low-cost alternatives to small dollar loans
• § 5625— Procedural provisions
• § 5626— Authorization of appropriations
• § 5627— Regulations
• § 5628— Evaluation and reports to Congress
• § 5641— Enhanced compensation structure reporting
• § 5701— Definitions
• § 5702— Federal funds allocated to States
• § 5703— Approving States for participation
• § 5704— Approving State capital access programs
• § 5705— Approving collateral support and other innovative credit access and guarantee initiatives for small businesses and manufacturers
• § 5706— Reports
• § 5707— Remedies for State program termination or failures
• § 5708— Implementation and administration
• § 5709— Regulations
• § 5710— Oversight and audits
• § 5801— Findings and purpose
• § 5802— Definitions
• § 5803— LIBOR contracts
• § 5804— Continuity of contract and safe harbor
• § 5805— Benchmark for loans
• § 5806— Preemption
• § 5807— Rulemaking
• § 5901— Definitions
• § 5902— Issuance and treatment of payment stablecoins
• § 5903— Requirements for issuing payment stablecoins
• § 5904— Approval of subsidiaries of insured depository institutions and Federal qualified payment stablecoin issuers
• § 5905— Supervision and enforcement with respect to Federal qualified payment stablecoin issuers and subsidiaries of insured depository institutions
• § 5906— State qualified payment stablecoin issuers
• § 5907— Anti-money laundering protections
• § 5908— Anti-money laundering innovation
• § 5909— Custody of payment stablecoin reserve and collateral
• § 5910— Treatment of payment stablecoin issuers in insolvency proceedings
• § 5911— Application of existing insolvency law
• § 5912— Interoperability standards
• § 5913— Rulemaking
• § 5914— Reports
• § 5915— Authority of banking institutions
• § 5916— Exception for foreign payment stablecoin issuers and reciprocity for payment stablecoins issued in overseas jurisdictions