12 U.S.C. § 4561 — Prohibition of public disclosure of proprietary information

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

12 U.S.C. § 4561 — Prohibition of public disclosure of proprietary information

**(a) In general** Subject to subsection (d), the Director may, by regulation or order, provide that certain information shall be treated as proprietary information and not subject to disclosure under [section 4543 of this title](https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title12-section4543&num=0&edition=prelim), [section 1723a(n)(3) of this title](https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title12-section1723a/n/3&num=0&edition=prelim), or [section 1456(f)(3) of this title](https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title12-section1456/f/3&num=0&edition=prelim). **(b) Protection of information on housing activities** The Director shall not provide public access to, or disclose to the public, any information required to be submitted by an enterprise under [section 1723a(n) of this title](https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title12-section1723a/n&num=0&edition=prelim) or [section 1456(f) of this title](https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title12-section1456/f&num=0&edition=prelim) that the Director determines is proprietary. **(c) Nondisclosure pending consideration** This section may not be construed to authorize the disclosure of information to, or examination of data by, the public or a representative of any person or agency pending the issuance of a final decision under this section. **(d) Mortgage information** Subject to privacy considerations, as described in section 304(j) of the Home Mortgage Disclosure Act of 1975 ([12 U.S.C. 2803(j)](https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title12-section2803/j&num=0&edition=prelim)), the Director shall, by regulation or order, provide that certain information relating to single family mortgage data

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Source location: Title 12, Chapter 46, § 4561; chapter-046-government-sponsored-enterprises.md

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

12 U.S.C. § 2801 — Congressional findings and declaration of purpose

**(a) Findings of Congress** The Congress finds that some depository institutions have sometimes contributed to the decline of certain geographic areas by their failure pursuant to their chartering responsibilities to provide adequate home financing to qualified applicants on reasonable terms and conditions. **(b) Purpose of chapter** The purpose of this chapter is to provide the citizens and public officials of the United States with sufficient information to enable them to determine whether depository institutions are filling their obligations to serve the housing needs of the communities and neighborhoods in which they are located and to assist public officials in their determination of the distribution of public sector investments in a manner designed to improve the private investment environment. **(c) Construction of chapter** Nothing in this chapter is intended to, nor shall it be construed to, encourage unsound lending practices or the allocation of credit.

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

12 U.S.C. § 2801 — Congressional findings and declaration of

§ 2801. Congressional findings and declaration of purpose (a) Findings of Congress The Congress finds that some depository insti- tutions have sometimes contributed to the de- cline of certain geographic areas by their failure pursuant to their chartering responsibilities to provide adequate home financing to qualified applicants on reasonable terms and conditions. (b) Purpose of chapter The purpose of this chapter is to provide the citizens and public officials of the United States with sufficient information to enable them to determine whether depository institutions are filling their obligations to serve the housing needs of the communities and neighborhoods in which they are located and to assist public offi- cials in their determination of the distribution of public sector investments in a manner de- signed to improve the private investment envi- ronment. (c) Construction of chapter Nothing in this chapter is intended to, nor shall it be construed to, encourage unsound lending practices or the allocation of credit. (Pub. L. 94–200, title III, § 302, Dec. 31, 1975, 89 Stat. 1125.) Statutory Notes and Related Subsidiaries SHORT TITLE Pub. L. 94–200, title III, § 301, Dec. 31, 1975, 89 Stat. 1125, provided that: ‘‘This title [this chapter] may be cited as the ‘Home Mortgage Disclosure Act of 1975’.’’ Page 1463 TITLE 12—BANKS AND BANKING § 2803 1 So in original. Probably should be ‘‘paragraph (5)’’. § 2802. Definitions For purposes of this chapter— (1) the term ‘‘Bureau’’ means the Bureau of Consumer Financial Protection; (2) the term ‘‘mortgage loan’’ means a loan which is secured by residential real property or a home improvement loan; (3) the term ‘‘depository institution’’— (A) means— (i) any bank (as defined in section 1813(a)(1)

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

12 U.S.C. § 2803 — Maintenance of records and public disclosure

**(a) Duty of depository institutions; nature and content of information** (1) Each depository institution which has a home office or branch office located within a primary metropolitan statistical area, metropolitan statistical area, or consolidated metropolitan statistical area that is not comprised of designated primary metropolitan statistical areas, as defined by the Department of Commerce shall compile and make available, in accordance with regulations of the Bureau, to the public for inspection and copying at the home office, and at least one branch office within each primary metropolitan statistical area, metropolitan statistical area, or consolidated metropolitan statistical area that is not comprised of designated primary metropolitan statistical areas in which the depository institution has an office the number and total dollar amount of mortgage loans which were (A) originated (or for which the institution received completed applications), or (B) purchased by that institution during each fiscal year (beginning with the last full fiscal year of that institution which immediately preceded the effective date of this chapter). (2) The information required to be maintained and made available under paragraph (1) shall also be itemized in order to clearly and conspicuously disclose the following: (A) The number and dollar amount for each item referred to in paragraph (1), by census tracts for mortgage loans secured by property located within any county with a population of more than 30,000, within that primary metropolitan statistical area, metropolitan statistical area, or consolidated metropolitan statistical area that is not comprised of designated primary metropolitan statistical areas, otherwise, by county, for mortgage loans secured by property located w

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

12 U.S.C. § 2803 — Maintenance of records and public disclo-

§ 2803. Maintenance of records and public disclo- sure (a) Duty of depository institutions; nature and content of information (1) Each depository institution which has a home office or branch office located within a primary metropolitan statistical area, metro- politan statistical area, or consolidated metro- politan statistical area that is not comprised of designated primary metropolitan statistical areas, as defined by the Department of Com- merce shall compile and make available, in ac- cordance with regulations of the Bureau, to the public for inspection and copying at the home office, and at least one branch office within each primary metropolitan statistical area, metro- politan statistical area, or consolidated metro- politan statistical area that is not comprised of designated primary metropolitan statistical areas in which the depository institution has an office the number and total dollar amount of mortgage loans which were (A) originated (or for which the institution received completed appli- cations), or (B) purchased by that institution during each fiscal year (beginning with the last full fiscal year of that institution which imme- diately preceded the effective date of this chap- ter). (2) The information required to be maintained and made available under paragraph (1) shall also be itemized in order to clearly and con- spicuously disclose the following: (A) The number and dollar amount for each item referred to in paragraph (1), by census tracts for mortgage loans secured by property located within any county with a population of more than 30,000, within that primary met- ropolitan statistical area, metropolitan statis- tical area, or consolidated metropolitan sta- tistical area that is not comprised of des- ignated pri

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

12 U.S.C. § 4561 — Establishment of housing goals

§ 4561. Establishment of housing goals (a) In general The Director shall, by regulation, establish ef- fective for 2010 and each year thereafter, annual housing goals, with respect to the mortgage pur- chases by the enterprises, as follows: (1) Single-family housing goals Four single-family housing goals under sec- tion 4562 of this title. (2) Multifamily special affordable housing goal One multifamily special affordable housing goal under section 4563 of this title. (b) Timing The Director shall, by regulation, establish an annual deadline by which the Director shall es- tablish the annual housing goals under this sub- part for each year, taking into consideration the need for the enterprises to reasonably and suffi- ciently plan their operations and activities in advance, including operations and activities necessary to meet such annual goals. (c) Transition The annual housing goals effective for 2008 pursuant to this subpart, as in effect before July 30, 2008, shall remain in effect for 2009, except that not later than the expiration of the 270-day period beginning on July 30, 2008, the Director shall review such goals applicable for 2009 to de- termine the feasibility of such goals given the market conditions current at such time and, after seeking public comment for a period not to exceed 30 days, may make appropriate adjust- ments consistent with such market conditions. (d) Eliminating interest rate disparities (1) In general Upon request by the Director, an enterprise shall provide to the Director, in a form deter- mined by the Director, data the Director may review to determine whether there exist dis- parities in interest rates charged on mort- gages to borrowers who are minorities as com- pared with comparable mortgages to bor- ro

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