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

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) of this title); (ii) any savings association (as defined in section 1813(b)(1) of this title); and (iii) any credit union, which makes federally related mortgage loans as determined by the Board; and (B) includes any other lending institution (as defined in paragraph (4) 1) other than any institution described in subparagraph (A); (4) the term ‘‘completed application’’ means an application in which the creditor has re- ceived the information that is regularly ob- tained in evaluating applications for the amount and type of credit requested; (5) the term ‘‘other lending institutions’’ means any person engaged for profit in the business of mortgage lending; (6) the term ‘‘Board’’ means the Board of Governors of the Federal Reserve System; and (7) the term ‘‘Secretary’’ means the Sec- retary of Housing and Urban Development. (Pub. L. 94–200, title III, § 303, Dec. 31, 1975, 89 Stat. 1125; Pub. L. 100–242, title V, § 565(a)(1), Feb. 5, 1988, 101 Stat. 1945; Pub. L. 101–73, title XII, § 1211(d), (e), Aug. 9, 1989, 103 Stat. 525; Pub. L. 111–203, title X, § 1094(2), July 21, 2010, 124 Stat. 2097.) Editorial Notes AMENDMENTS 2010—Pub. L. 111–203 added par. (1) and redesignated former pars. (1) to (6) as (2) to (7), respectively. 1989—Par. (2). Pub. L. 101–73, § 1211(d), amended par. (2) generally. Prior to amendment, par. (2) read as fol- lows: ‘‘the term ‘depository institution’ means any commercial bank, savings bank, savings and loan asso- ciation, building and loan association, homestead asso- ciation (including cooperative banks) or credit union which makes federally related mortgage loans as deter- mined by the Board, mortgage banking subsidiary of a bank holding company or savings and loan holding company, or savings and loan service corporation that originates or purchases mortgage loans;’’. Pars. (3) to (6). Pub. L. 101–73, § 1211(e), added pars. (3) and (4) and redesignated former pars. (3) and (4) as (5) and (6), respectively. 1988—Par. (2). Pub. L. 100–242 struck out ‘‘or’’ before ‘‘homestead association’’ and inserted before semicolon at end ‘‘, mortgage banking subsidiary of a bank hold- ing company or savings and loan holding company, or savings and loan service corporation that originates or purchases mortgage loans’’. Statutory Notes and Related Subsidiaries EFFECTIVE DATE OF 2010 AMENDMENT Amendment by Pub. L. 111–203 effective on the des- ignated transfer date, see section 1100H of Pub. L. 111–203, set out as a note under section 552a of Title 5, Government Organization and Employees. EFFECTIVE DATE OF 1989 AMENDMENT Pub. L. 101–73, title XII, § 1211(k), Aug. 9, 1989, 103 Stat. 526, provided that: ‘‘The amendments made by this section [amending this section and sections 2803, 2804, 2807, and 2810 of this title] shall apply to each cal- endar year beginning after December 31, 1989.’’ EFFECTIVE DATE OF 1988 AMENDMENT Pub. L. 100–242, title V, § 565(a)(4), Feb. 5, 1988, 101 Stat. 1945, as amended by Pub. L. 100–628, title X, § 1087(a), Nov. 7, 1988, 102 Stat. 3280, provided that: ‘‘The amendments made by this subsection [amending sec- tions 2802, 2803, and 2810 of this title] shall be applicable to the portion of calendar year 1988 that begins August 19, 1988, and to each calendar year beginning after De- cember 31, 1988.’’ § 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 primary metropolitan statistical areas, otherwise, by county, for mortgage loans secured by property located within any other county within that primary metropoli- tan statistical area, metropolitan statistical area, or consolidated metropolitan statistical area that is not comprised of designated pri- mary metropolitan statistical areas. (B) The number and dollar amount for each item referred to in paragraph (1) for all such mortgage loans which are secured by property located outside that primary metropolitan statistical area, metropolitan statistical area, or consolidated metropolitan statistical area Page 1464 TITLE 12—BANKS AND BANKING § 2803 that is not comprised of designated primary metropolitan statistical areas. For the purpose of this paragraph, a depository institution which maintains offices in more than one primary metropolitan statistical area, metropolitan statistical area, or consolidated metropolitan statistical area that is not com- prised of designated primary metropolitan sta- tistical areas shall be required to make the in- formation required by this paragraph available at any such office only to the extent that such information relates to mortgage loans which were originated or purchased (or for which com- pleted applications were received) by an office of that depository institution located in the pri- mary metropolitan statistical area, metropoli- tan statistical area, or consolidated metropoli- tan statistical area that is not comprised of des- ignated primary metropolitan statistical areas in which the office making such information available is located. For purposes of this para- graph, other lending institutions shall be deemed to have a home office or branch office within a primary metropolitan statistical area, metropolitan statistical area, or consolidated metropolitan statistical area that is not com- prised of designated primary metropolitan sta- tistical areas if such institutions have origi- nated or purchased or received completed appli- cations for at least 5 mortgage loans in such area in the preceding calendar year. (b) Itemization of loan data Any item of information relating to mortgage loans required to be maintained under sub- section (a) shall be further itemized in order to disclose for each such item— (1) the number and dollar amount of mort- gage loans which are insured under title II of the National Housing Act [12 U.S.C. 1707 et seq.] or under title V of the Housing Act of 1949 [42 U.S.C. 1471 et seq.] or which are guar- anteed under chapter 37 of title 38; (2) the number and dollar amount of mort- gage loans made to mortgagors who did not, at the time of execution of the mortgage, intend to reside in the property securing the mort- gage loan; (3) the number and dollar amount of home improvement loans; (4) the number and dollar amount of mort- gage loans and completed applications involv- ing mortgagors or mortgage applicants grouped according to census tract, income level, racial characteristics, age, and gender; (5) the number and dollar amount of mort- gage loans grouped according to measure- ments of— (A) the total points and fees payable at origination in connection with the mortgage as determined by the Bureau, taking into ac- count 15 U.S.C. 1602(aa)(4); (B) the difference between the annual per- centage rate associated with the loan and a benchmark rate or rates for all loans; (C) the term in months of any prepayment penalty or other fee or charge payable on re- payment of some portion of principal or the entire principal in advance of scheduled pay- ments; and (D) such other information as the Bureau may require; and (6) the number and dollar amount of mort- gage loans and completed applications grouped according to measurements of— (A) the value of the real property pledged or proposed to be pledged as collateral; (B) the actual or proposed term in months of any introductory period after which the rate of interest may change; (C) the presence of contractual terms or proposed contractual terms that would allow the mortgagor or applicant to make pay- ments other than fully amortizing payments during any portion of the loan term; (D) the actual or proposed term in months of the mortgage loan; (E) the channel through which application was made, including retail, broker, and other relevant categories; (F) as the Bureau may determine to be ap- propriate, a unique identifier that identifies the loan originator as set forth in section 5102 of this title; (G) as the Bureau may determine to be ap- propriate, a universal loan identifier; (H) as the Bureau may determine to be ap- propriate, the parcel number that cor- responds to the real property pledged or pro- posed to be pledged as collateral; (I) the credit score of mortgage applicants and mortgagors, in such form as the Bureau may prescribe; and (J) such other information as the Bureau may require. (c) Period of maintenance Any information required to be compiled and made available under this section, other than loan application register information under sub- section (j), shall be maintained and made avail- able for a period of five years after the close of the first year during which such information is required to be maintained and made available. (d) Duration of disclosure requirements Notwithstanding the provisions of subsection (a)(1), data required to be disclosed under this section for 1980 and thereafter shall be disclosed for each calendar year. Any depository institu- tion which is required to make disclosures under this section but which has been making disclo- sures on some basis other than a calendar year basis shall make available a separate disclosure statement containing data for any period prior to calendar year 1980 which is not covered by the last full year report prior to the 1980 calendar year report. (e) Format for disclosures Subject to subsection (h), the Bureau shall prescribe a standard format for the disclosures required under this section. (f) Data disclosure system; operation, etc. The Federal Financial Institutions Examina- tion Council, in consultation with the Sec- retary, shall implement a system to facilitate access to data required to be disclosed under this section. Such system shall include arrange- ments for a central depository of data in each primary metropolitan statistical area, metro- politan statistical area, or consolidated metro- politan statistical area that is not comprised of Page 1465 TITLE 12—BANKS AND BANKING § 2803 1 See References in Text note below. 2 So in original. Two pars. (3) have been enacted. designated primary metropolitan statistical areas. Disclosure statements shall be made available to the public for inspection and copy- ing at such central depository of data for all de- pository institutions which are required to dis- close information under this section (or which are exempted pursuant to section 2805(b) of this title) and which have a home office or branch of- fice within such primary metropolitan statis- tical area, metropolitan statistical area, or con- solidated metropolitan statistical area that is not comprised of designated primary metropoli- tan statistical areas. (g) Exceptions The requirements of subsections (a) and (b) shall not apply with respect to mortgage loans that are— (1) made (or for which completed applica- tions are received) by any mortgage banking subsidiary of a bank holding company or sav- ings and loan holding company or by any sav- ings and loan service corporation that origi- nates or purchases mortgage loans; and (2) approved (or for which completed applica- tions are received) by the Secretary for insur- ance under title I or II of the National Housing Act [12 U.S.C. 1702 et seq., 1707 et seq.]. (h) Submission to agencies (1) In general The data required to be disclosed under sub- section (b) shall be submitted to the Bureau or to the appropriate agency for the institution reporting under this chapter, in accordance with rules prescribed by the Bureau. Notwith- standing the requirement of subsection (a)(2)(A) for disclosure by census tract, the Bu- reau, in consultation with other appropriate agencies described in paragraph (2) and, after notice and comment, shall develop regulations that— (A) prescribe the format for such disclo- sures, the method for submission of the data to the appropriate agency, and the proce- dures for disclosing the information to the public; (B) require the collection of data required to be disclosed under subsection (b) with re- spect to loans sold by each institution re- porting under this chapter; (C) require disclosure of the class of the purchaser of such loans; (D) permit any reporting institution to submit in writing to the Bureau or to the ap- propriate agency such additional data or ex- planations as it deems relevant to the deci- sion to originate or purchase mortgage loans; and (E) modify or require modification of itemized information, for the purpose of pro- tecting the privacy interests of the mort- gage applicants or mortgagors, that is or will be available to the public. (2) Other appropriate agencies The appropriate agencies described in this paragraph are— (A) the appropriate Federal banking agen- cies, as defined in section 1813(q) of this title, with respect to the entities that are subject to the jurisdiction of each such agen- cy, respectively; (B) the Federal Deposit Insurance Corpora- tion for banks insured by the Federal De- posit Insurance Corporation (other than members of the Federal Reserve System), mutual savings banks, insured State branches of foreign banks, and any other de- pository institution described in section 2802(2)(A) 1 of this title which is not other- wise referred to in this paragraph; (C) the National Credit Union Administra- tion Board with respect to credit unions; and (D) the Secretary of Housing and Urban Development with respect to other lending institutions not regulated by the agencies referred to in subparagraph (A) or (B). (3) Rules for modifications under paragraph (1) (A) Application A modification under paragraph (1)(E) shall apply to information concerning— (i) credit score data described in sub- section (b)(6)(I), in a manner that is con- sistent with the purpose described in para- graph (1)(E); and (ii) age or any other category of data de- scribed in paragraph (5) or (6) of subsection (b), as the Bureau determines to be nec- essary to satisfy the purpose described in paragraph (1)(E), and in a manner con- sistent with that purpose. (B) Standards The Bureau shall prescribe standards for any modification under paragraph (1)(E) to effectuate the purposes of this chapter, in light of the privacy interests of mortgage applicants or mortgagors. Where necessary to protect the privacy interests of mortgage applicants or mortgagors, the Bureau shall provide for the disclosure of information de- scribed in subparagraph (A) in aggregate or other reasonably modified form, in order to effectuate the purposes of this chapter. (i) Exemptions (1) Closed-end mortgage loans With respect to an insured depository insti- tution or insured credit union, the require- ments of paragraphs (5) and (6) of subsection (b) shall not apply with respect to closed-end mortgage loans if the insured depository insti- tution or insured credit union originated fewer than 500 closed-end mortgage loans in each of the 2 preceding calendar years. (2) Open-end lines of credit With respect to an insured depository insti- tution or insured credit union, the require- ments of paragraphs (5) and (6) of subsection (b) shall not apply with respect to open-end lines of credit if the insured depository insti- tution or insured credit union originated fewer than 500 open-end lines of credit in each of the 2 preceding calendar years. (3) 2 Required compliance Notwithstanding paragraphs (1) and (2), an insured depository institution shall comply Page 1466 TITLE 12—BANKS AND BANKING § 2803 3 So in original. Probably should be followed by a period. with paragraphs (5) and (6) of subsection (b) if the insured depository institution has received a rating of ‘‘needs to improve record of meet- ing community credit needs’’ during each of its 2 most recent examinations or a rating of ‘‘substantial noncompliance in meeting com- munity credit needs’’ on its most recent exam- ination under section 2906(b)(2) of this title. (3) 2 Exemption from certain disclosure re- quirements The requirements of subsections (b)(4), (b)(5), and (b)(6) shall not apply with respect to any depository institution described in section 2802(3)(A) of this title which has total assets, as of the most recent full fiscal year of such institution, of $30,000,000 or less. (j) Loan application register information (1) In general In addition to the information required to be disclosed under subsections (a) and (b), any de- pository institution which is required to make disclosures under this section shall make available to the public, upon request, loan ap- plication register information (as defined by the Bureau by regulation) in the form required under regulations prescribed by the Bureau. (2) Format of disclosure (A) Unedited format Subject to subparagraph (B), the loan ap- plication register information described in paragraph (1) may be disclosed by a deposi- tory institution without editing or compila- tion and in such formats as the Bureau may require. (B) Protection of applicant’s privacy interest The Bureau shall require, by regulation, such deletions as the Bureau may determine to be appropriate to protect— (i) any privacy interest of any applicant, including the deletion of the applicant’s name and identification number, the date of the application, and the date of any de- termination by the institution with re- spect to such application; and (ii) a depository institution from liabil- ity under any Federal or State privacy law. (C) Census tract format encouraged It is the sense of the Congress that a de- pository institution should provide loan reg- ister information under this section in a for- mat based on the census tract in which the property is located. (3) Change of form not required A depository institution meets the disclo- sure requirement of paragraph (1) if the insti- tution provides the information required under such paragraph in such formats as the Bureau may require 3 (4) Reasonable charge for information Any depository institution which provides information under this subsection may impose a reasonable fee for any cost incurred in repro- ducing such information. (5) Time of disclosure The disclosure of the loan application reg- ister information described in paragraph (1) for any year pursuant to a request under para- graph (1) shall be made— (A) in the case of a request made on or be- fore March 1 of the succeeding year, before April 1 of the succeeding year; and (B) in the case of a request made after March 1 of the succeeding year, before the end of the 30-day period beginning on the date the request is made. (6) Retention of information Notwithstanding subsection (c), the loan ap- plication register information described in paragraph (1) for any year shall be maintained and made available, upon request, for 3 years after the close of the 1st year during which such information is required to be maintained and made available. (7) Minimizing compliance costs In prescribing regulations under this sub- section, the Bureau shall make every effort to minimize the costs incurred by a depository institution in complying with this subsection and such regulations. (k) Disclosure of statements by depository insti- tutions (1) In general In accordance with procedures established by the Bureau pursuant to this section, any depository institution required to make dis- closures under this section— (A) shall make a disclosure statement available, upon request, to the public no later than 3 business days after the institu- tion receives the statement from the Federal Financial Institutions Examination Council; and (B) may make such statement available on a floppy disc which may be used with a per- sonal computer or in any other media which is not prohibited under regulations pre- scribed by the Bureau. (2) Notice that data is subject to correction after final review Any disclosure statement provided pursuant to paragraph (1) shall be accompanied by a clear and conspicuous notice that the state- ment is subject to final review and revision, if necessary. (3) Reasonable charge for information Any depository institution which provides a disclosure statement pursuant to paragraph (1) may impose a reasonable fee for any cost in- curred in providing or reproducing such state- ment. (l) Prompt disclosures (1) In general Any disclosure of information pursuant to this section or section 2809 of this title shall be made as promptly as possible. (2) Maximum disclosure period (A) 6- and 9-month maximum periods Except as provided in subsections (j)(5) and (k)(1) and regulations prescribed by the Bu- Page 1467 TITLE 12—BANKS AND BANKING § 2803 reau and subject to subparagraph (B), any information required to be disclosed for any year beginning after December 31, 1992, under— (i) this section shall be made available to the public before September 1 of the suc- ceeding year; and (ii) section 2809 of this title shall be made available to the public before De- cember 1 of the succeeding year. (B) Shorter periods encouraged after 1994 With respect to disclosures of information under this section or section 2809 of this title for any year beginning after December 31, 1993, every effort shall be made— (i) to make information disclosed under this section available to the public before July 1 of the succeeding year; and (ii) to make information required to be disclosed under section 2809 of this title available to the public before September 1 of the succeeding year. (3) Improved procedure The Federal Financial Institutions Exam- ination Council shall make such changes in the system established pursuant to subsection (f) as may be necessary to carry out the re- quirements of this subsection. (m) Opportunity to reduce compliance burden (1) In general (A) Satisfaction of public availability require- ments A depository institution shall be deemed to have satisfied the public availability re- quirements of subsection (a) if the institu- tion compiles the information required under that subsection at the home office of the institution and provides notice at the branch locations specified in subsection (a) that such information is available from the home office of the institution upon written request. (B) Provision of information upon request Not later than 15 days after the receipt of a written request for any information re- quired to be compiled under subsection (a), the home office of the depository institution receiving the request shall provide the infor- mation pertinent to the location of the branch in question to the person requesting the information. (2) Form of information In complying with paragraph (1), a deposi- tory institution shall provide the person re- questing the information with a copy of the information requested in such formats as the Bureau may require. (n) Timing of certain disclosures The data required to be disclosed under sub- section (b) shall be submitted to the Bureau or to the appropriate agency for any institution re- porting under this chapter, in accordance with regulations prescribed by the Bureau. Institu- tions shall not be required to report new data under paragraph (5) or (6) of subsection (b) be- fore the first January 1 that occurs after the end of the 9-month period beginning on the date on which regulations are issued by the Bureau in final form with respect to such disclosures. (o) Definitions In this section— (1) the term ‘‘insured credit union’’ has the meaning given the term in section 1752 of this title; and (2) the term ‘‘insured depository institution’’ has the meaning given the term in section 1813 of this title. (Pub. L. 94–200, title III, § 304, Dec. 31, 1975, 89 Stat. 1125; Pub. L. 96–399, title III, § 340(a), Oct. 8, 1980, 94 Stat. 1657; Pub. L. 98–181, title I [title VII, § 701(a)], Nov. 30, 1983, 97 Stat. 1266; Pub. L. 100–242, title V, §§ 565(a)(2), 570(h), Feb. 5, 1988, 101 Stat. 1945, 1950; Pub. L. 101–73, title XII, § 1211(a)–(c)(2)(C), (f), (i), (j), Aug. 9, 1989, 103 Stat. 524–526; Pub. L. 102–242, title II, § 212(a)(1), Dec. 19, 1991, 105 Stat. 2299; Pub. L. 102–550, title IX, § 932(a), (b), Oct. 28, 1992, 106 Stat. 3889, 3891; Pub. L. 104–208, div. A, title II, § 2225(b), Sept. 30, 1996, 110 Stat. 3009–416; Pub. L. 111–203, title X, § 1094(1), (3), July 21, 2010, 124 Stat. 2097; Pub. L. 115–174, title I, § 104(a), (c), May 24, 2018, 132 Stat. 1300, 1301.) Editorial Notes REFERENCES IN TEXT For the effective date of this chapter, referred to in subsec. (a)(1), see section 2808 of this title. The National Housing Act, referred to in subsecs. (b)(1) and (g)(2), is act June 27, 1934, ch. 847, 48 Stat. 1246. Titles I and II of the National Housing Act are classified generally to subchapters I (§ 1702 et seq.) and II (§ 1707 et seq.), respectively, of chapter 13 of this title. For complete classification of this Act to the Code, see section 1701 of this title and Tables. The Housing Act of 1949, referred to in subsec. (b)(1), is act July 15, 1949, ch. 338, 63 Stat. 413. Title V of the Housing Act of 1949 is classified generally to subchapter III (§ 1471 et seq.) of chapter 8A of Title 42, The Public Health and Welfare. For complete classification of this Act to the Code, see Short Title note set out under sec- tion 1441 of Title 42 and Tables. Section 2802(2)(A) of this title, referred to in subsec. (h)(2)(B), was redesignated section 2802(3)(A) of this title by Pub. L. 111–203, title X, § 1094(2)(A), July 21, 2010, 124 Stat. 2097. AMENDMENTS 2018—Subsec. (i). Pub. L. 115–174, § 104(a)(2), added sub- sec. (i), consisting of pars. (1) to (3), before par. (3) re- lating to exemption from certain disclosure require- ments, which was formerly designated subsec. (i). Subsec. (i)(3). Pub. L. 115–174, § 104(a)(1), (c), redesig- nated subsec. (i) as par. (3) relating to exemption from certain disclosure requirements, realigned margins, and substituted ‘‘2802(3)(A) of this title’’ for ‘‘2802(2)(A) of this title’’. Subsec. (o). Pub. L. 115–174, § 104(a)(3), added subsec. (o). Subsec. (a)(1). Pub. L. 111–203, § 1094(1), substituted ‘‘Bureau’’ for ‘‘Board’’. Subsec. (b)(4). Pub. L. 111–203, § 1094(3)(A)(i), inserted ‘‘age,’’ before ‘‘and gender’’. Subsec. (b)(5), (6). Pub. L. 111–203, § 1094(3)(A)(ii)–(iv), added pars. (5) and (6). Subsec. (e). Pub. L. 111–203, § 1094(1), substituted ‘‘Bu- reau’’ for ‘‘Board’’. Subsec. (h). Pub. L. 111–203, § 1094(3)(B), added subsec. (h) and struck out former subsec. (h) which related to submission to agencies. Subsec. (i). Pub. L. 111–203, § 1094(3)(C), substituted ‘‘subsections (b)(4), (b)(5), and (b)(6)’’ for ‘‘subsection (b)(4)’’. Page 1468 TITLE 12—BANKS AND BANKING § 2804 Subsec. (j)(1). Pub. L. 111–203, § 1094(1), substituted ‘‘Bureau’’ for ‘‘Board’’ in two places. Subsec. (j)(2)(A). Pub. L. 111–203, § 1094(3)(D)(ii), sub- stituted ‘‘in such formats as the Bureau may require’’ for ‘‘in the format in which such information is main- tained by the institution’’. Subsec. (j)(2)(B). Pub. L. 111–203, § 1094(1), substituted ‘‘Bureau’’ for ‘‘Board’’ in two places. Subsec. (j)(3). Pub. L. 111–203, § 1094(3)(D)(i), added par. (3) and struck out former par. (3). Prior to amendment, text read as follows: ‘‘A depository institution meets the disclosure requirement of paragraph (1) if the insti- tution provides the information required under such paragraph in the form in which the institution main- tains such information.’’ Subsecs. (j)(7), (k)(1), (l)(2)(A). Pub. L. 111–203, § 1094(1), substituted ‘‘Bureau’’ for ‘‘Board’’ wherever appearing. Subsec. (m)(2). Pub. L. 111–203, § 1094(3)(E), added par. (2) and struck out former par. (2). Prior to amendment, text read as follows: ‘‘In complying with paragraph (1), a depository institution shall, in the sole discretion of the institution, provide the person requesting the infor- mation with— ‘‘(A) a paper copy of the information requested; or ‘‘(B) if acceptable to the person, the information through a form of electronic medium, such as a com- puter disk.’’ Subsec. (n). Pub. L. 111–203, § 1094(3)(F), added subsec. (n). 1996—Subsec. (m). Pub. L. 104–208 added subsec. (m). 1992—Subsec. (c). Pub. L. 102–550, § 932(b), inserted ‘‘, other than loan application register information under subsection (j),’’ after ‘‘under this section’’. Subsecs. (j) to (l). Pub. L. 102–550, § 932(a), added sub- secs. (j) to (l). 1991—Subsec. (h)(1). Pub. L. 102–242, § 212(a)(1)(A), added par. (1) and struck out former par. (1) which read as follows: ‘‘the Comptroller of the Currency for na- tional banks;’’. Subsec. (h)(3). Pub. L. 102–242, § 212(a)(1)(B), added par. (3) and struck out former par. (3) which read as follows: ‘‘the Federal Deposit Insurance Corporation for banks insured by the Federal Deposit Insurance Corporation (other than members of the Federal Reserve System), mutual savings banks, and any other depository insti- tution described in section 2802(2)(A) of this title which is not otherwise referred to in this paragraph;’’. 1989—Subsec. (a)(1). Pub. L. 101–73, § 1211(c)(1), in- serted ‘‘(or for which the institution received com- pleted applications)’’ after ‘‘originated’’. Subsec. (a)(2). Pub. L. 101–73, § 1211(c)(2)(A), inserted ‘‘(or for which completed applications were received)’’ after ‘‘originated or purchased’’ in last sentence. Pub. L. 101–73, § 1211(f), inserted at end ‘‘For purposes of this paragraph, other lending institutions shall be deemed to have a home office or branch office within a primary metropolitan statistical area, metropolitan statistical area, or consolidated metropolitan statis- tical area that is not comprised of designated primary metropolitan statistical areas if such institutions have originated or purchased or received completed applica- tions for at least 5 mortgage loans in such area in the preceding calendar year.’’ Subsec. (b)(4). Pub. L. 101–73, § 1211(a), added par. (4). Subsec. (e). Pub. L. 101–73, § 1211(i), substituted ‘‘Sub- ject to subsection (h), the Board’’ for ‘‘The Board’’. Subsec. (g)(1). Pub. L. 101–73, § 1211(c)(2)(B), inserted ‘‘(or for which completed applications are received)’’ after ‘‘made’’. Subsec. (g)(2). Pub. L. 101–73, § 1211(c)(2)(C), inserted ‘‘(or for which completed applications are received)’’ after ‘‘approved’’. Subsec. (h). Pub. L. 101–73, § 1211(b), added subsec. (h). Subsec. (i). Pub. L. 101–73, § 1211(j), added subsec. (i). 1988—Subsec. (a)(1). Pub. L. 100–242, § 570(h), sub- stituted ‘‘at least one branch’’ for ‘‘at at least one branch’’. Subsec. (g). Pub. L. 100–242, § 565(a)(2), added subsec. (g). 1983—Subsecs. (a), (f). Pub. L. 98–181 substituted ‘‘pri- mary metropolitan statistical area, metropolitan sta- tistical area, or consolidated metropolitan statistical area that is not comprised of designated primary met- ropolitan statistical areas’’ for ‘‘standard metropolitan statistical area’’ wherever appearing. 1980—Subsec. (a)(1). Pub. L. 96–399, § 340(a)(1), sub- stituted ‘‘Department of Commerce’’ for ‘‘Office of Management and Budget’’. Subsec. (a)(2)(A). Pub. L. 96–399, § 340(a)(2), revised ap- plicable factors so as to include mortgage loans in a census tract, or by a county, and exclude readily avail- able and reasonably costing census tracts, or by ZIP code. Subsecs. (d) to (f). Pub. L. 96–399, § 340(a)(3), added subsecs. (d) to (f). Statutory Notes and Related Subsidiaries EFFECTIVE DATE OF 2010 AMENDMENT Amendment by Pub. L. 111–203 effective on the des- ignated transfer date, see section 1100H of Pub. L. 111–203, set out as a note under section 552a of Title 5, Government Organization and Employees. EFFECTIVE DATE OF 1992 AMENDMENT Pub. L. 102–550, title IX, § 932(c), Oct. 28, 1992, 106 Stat. 3891, provided that: ‘‘The amendments made by sub- sections (a) and (b) [amending this section] shall apply with respect to information disclosed under section 304 of the Home Mortgage Disclosure Act of 1975 [this sec- tion] for any year which ends after the date of the en- actment of this Act [Oct. 28, 1992].’’ EFFECTIVE DATE OF 1989 AMENDMENT Amendment by Pub. L. 101–73 applicable to each cal- endar year beginning after Dec. 31, 1989, see section 1211(k) of Pub. L. 101–73, set out as a note under section 2802 of this title. EFFECTIVE DATE OF 1988 AMENDMENT Amendment by section 565(a)(2) of Pub. L. 100–242 ap- plicable to the portion of calendar year 1988 that begins Aug. 19, 1988, and to each calendar year beginning after Dec. 31, 1988, see section 565(a)(4) of Pub. L. 100–242, set out as a note under section 2802 of this title. EVALUATION AND REPORT ON FEASIBILITY AND DESIR- ABILITY OF ESTABLISHING A UNIFIED SYSTEM FOR EN- FORCING FAIR LENDING LAWS AND REGULATIONS Evaluation of status and effectiveness of data collec- tion and analysis systems involving fair lending, etc., and report thereof, see section 340(e) of Pub. L. 96–399, set out as a note under section 3305 of this title. § 2804. Enforcement (a) Regulations The Bureau shall prescribe such regulations as may be necessary to carry out the purposes of this chapter. These regulations may contain such classifications, differentiations, or other provisions, and may provide for such adjust- ments and exceptions for any class of trans- actions, as in the judgment of the Bureau are necessary and proper to effectuate the purposes of this chapter, and prevent circumvention or evasion thereof, or to facilitate compliance therewith. (b) Powers of certain other agencies (1) In general Subject to subtitle B of the Consumer Fi- nancial Protection Act of 2010 [12 U.S.C. 5511 et seq.], compliance with the requirements of this chapter shall be enforced—