source:
  type: regulation
  id: flood-42usc-4104b
  authority: 42 U.S.C. §4104b — Standard hazard determination forms
  description: '42 U.S.C. §4104b requires use of the Standard Flood Hazard Determination

    Form for every loan secured by improved real estate or a mobile home.

    '
obligations:
- id: flood-42usc-4104b-a
  canonical_id: flood-42usc-4104b-a
  section: 42 U.S.C. §4104b(a)
  description: '(a): (a) Development The Administrator , in consultation with representatives of the mortgage
    and lending industry, the Federal entities for lending regulation, the Federal agency lenders , and
    any other appropriate individuals, shall develop a standard form for determining, in the case of a
    loan secured…'
  type: do
  tags:
  - regulator-direct
  - section-complete
  - usc-statute
  primary_source:
    tier: 1
    authority: 42 U.S.C. §4104b(c)
    source_class: flood-statute
    source_url: https://www.law.cornell.edu/uscode/text/42/4104b
    snapshot_id: 8f5c63db1c510028
    fetched_at: '2026-05-22T18:52:39Z'
    content_hash: sha256:dda559704556b6a0055b188d2d4edf078208c65c2889ee19975d6c5c3b03c1e7
    paragraph_quote: (a) Development The Administrator , in consultation with representatives of the mortgage
      and lending industry, the Federal entities for lending regulation, the Federal agency lenders ,
      and any other appropriate individuals, shall develop a standard form for determining, in the case
      of a loan secured by improved real estate or a mobile home, whether the building or mobile home
      is located in an area identified by the Administrator as an area having special flood hazards and
      in which flood insurance under this chapter is available. The form shall be established by regulations
      issued not later than 270 days after September 23, 1994 .
    drafter_attestation: Verbatim subsection of 42 U.S.C. §4104b from Cornell LII snapshot 8f5c63db1c510028;
      body isolated between nav and notes; substring-verified.
  judgment: false
- id: flood-42usc-4104b-b
  canonical_id: flood-42usc-4104b-b
  section: 42 U.S.C. §4104b(b)
  description: '(b): (b) Design and contents (1) Purpose The form under subsection (a) shall be designed
    to facilitate compliance with the flood insurance purchase requirements of this chapter. (2) Contents
    The form shall require identification of the type of flood -risk zone in which the building or mobile
    home is loca…'
  type: do
  tags:
  - regulator-direct
  - section-complete
  - usc-statute
  primary_source:
    tier: 1
    authority: 42 U.S.C. §4104b(c)
    source_class: flood-statute
    source_url: https://www.law.cornell.edu/uscode/text/42/4104b
    snapshot_id: 8f5c63db1c510028
    fetched_at: '2026-05-22T18:52:39Z'
    content_hash: sha256:dda559704556b6a0055b188d2d4edf078208c65c2889ee19975d6c5c3b03c1e7
    paragraph_quote: (b) Design and contents (1) Purpose The form under subsection (a) shall be designed
      to facilitate compliance with the flood insurance purchase requirements of this chapter. (2) Contents
      The form shall require identification of the type of flood -risk zone in which the building or mobile
      home is located, the complete map and panel numbers for the improved real estate or property on
      which the mobile home is located, the community identification number and community participation
      status (for purposes of the national flood insurance program ) of the community in which the improved
      real estate or such property is located, and the date of the map used for the determination, with
      respect to flood hazard information on file with the Administrator. If the building or mobile home
      is not located in an area having special flood hazards the form shall require a statement to such
      effect and shall indicate the complete map and panel numbers of the improved real estate or property
      on which the mobile home is located. If the complete map and panel numbers are not available because
      the building or mobile home is not located in a community that is participating in the national
      flood insurance program or because no map exists for the relevant area, the form shall require a
      statement to such effect. The form shall provide for inclusion or attachment of any relevant documents
      indicating revisions or amendments to maps.
    drafter_attestation: Verbatim subsection of 42 U.S.C. §4104b from Cornell LII snapshot 8f5c63db1c510028;
      body isolated between nav and notes; substring-verified.
  judgment: false
- id: flood-42usc-4104b-c
  canonical_id: flood-42usc-4104b-c
  section: 42 U.S.C. §4104b(c)
  description: '(c): (c) Required use The Federal entities for lending regulation shall by regulation
    require the use of the form under this section by regulated lending institutions . Each Federal agency
    lender shall by regulation provide for the use of the form with respect to any loan made by such Federal
    agency lend…'
  type: do
  tags:
  - regulator-direct
  - section-complete
  - usc-statute
  primary_source:
    tier: 1
    authority: 42 U.S.C. §4104b(c)
    source_class: flood-statute
    source_url: https://www.law.cornell.edu/uscode/text/42/4104b
    snapshot_id: 8f5c63db1c510028
    fetched_at: '2026-05-22T18:52:39Z'
    content_hash: sha256:dda559704556b6a0055b188d2d4edf078208c65c2889ee19975d6c5c3b03c1e7
    paragraph_quote: (c) Required use The Federal entities for lending regulation shall by regulation
      require the use of the form under this section by regulated lending institutions . Each Federal
      agency lender shall by regulation provide for the use of the form with respect to any loan made
      by such Federal agency lender. The Federal National Mortgage Association and the Federal Home Loan
      Mortgage Corporation and the Government National Mortgage Association shall require the use of the
      form with respect to any loan purchased by such entities. A lender or other person may comply with
      the requirement under this subsection by using the form in a printed, computerized, or electronic
      manner.
    drafter_attestation: Verbatim subsection of 42 U.S.C. §4104b from Cornell LII snapshot 8f5c63db1c510028;
      body isolated between nav and notes; substring-verified.
  judgment: false
- id: flood-42usc-4104b-d
  canonical_id: flood-42usc-4104b-d
  section: 42 U.S.C. §4104b(d)
  description: '(d): (d) Guarantees regarding information In providing information regarding special flood
    hazards on the form developed under this section, any lender (or other person required to use the
    form) who makes, increases, extends, or renews a loan secured by improved real estate or a mobile
    home may provide f…'
  type: do
  tags:
  - regulator-direct
  - section-complete
  - usc-statute
  primary_source:
    tier: 1
    authority: 42 U.S.C. §4104b(c)
    source_class: flood-statute
    source_url: https://www.law.cornell.edu/uscode/text/42/4104b
    snapshot_id: 8f5c63db1c510028
    fetched_at: '2026-05-22T18:52:39Z'
    content_hash: sha256:dda559704556b6a0055b188d2d4edf078208c65c2889ee19975d6c5c3b03c1e7
    paragraph_quote: (d) Guarantees regarding information In providing information regarding special flood
      hazards on the form developed under this section, any lender (or other person required to use the
      form) who makes, increases, extends, or renews a loan secured by improved real estate or a mobile
      home may provide for the acquisition or determination of such information to be made by a person
      other than such lender (or other person) , only to the extent such person guarantees the accuracy
      of the information.
    drafter_attestation: Verbatim subsection of 42 U.S.C. §4104b from Cornell LII snapshot 8f5c63db1c510028;
      body isolated between nav and notes; substring-verified.
  judgment: false
- id: flood-42usc-4104b-e
  canonical_id: flood-42usc-4104b-e
  section: 42 U.S.C. §4104b(e)
  description: '(e): (e) Reliance on previous determination Any person increasing, extending, renewing,
    or purchasing a loan secured by improved real estate or a mobile home may rely on a previous determination
    of whether the building or mobile home is located in an area having special flood hazards (and shall
    not be li…'
  type: dont
  tags:
  - regulator-direct
  - section-complete
  - usc-statute
  primary_source:
    tier: 1
    authority: 42 U.S.C. §4104b(c)
    source_class: flood-statute
    source_url: https://www.law.cornell.edu/uscode/text/42/4104b
    snapshot_id: 8f5c63db1c510028
    fetched_at: '2026-05-22T18:52:39Z'
    content_hash: sha256:dda559704556b6a0055b188d2d4edf078208c65c2889ee19975d6c5c3b03c1e7
    paragraph_quote: (e) Reliance on previous determination Any person increasing, extending, renewing,
      or purchasing a loan secured by improved real estate or a mobile home may rely on a previous determination
      of whether the building or mobile home is located in an area having special flood hazards (and shall
      not be liable for any error in such previous determination), if the previous determination was made
      not more than 7 years before the date of the transaction and the basis for the previous determination
      has been set forth on a form under this section, unless— (1) map revisions or updates pursuant to
      section 4101(f) of this title after such previous determination have resulted in the building or
      mobile home being located in an area having special flood hazards; or (2) the person contacts the
      Administrator to determine when the most recent map revisions or updates affecting such property
      occurred and such revisions and updates have occurred after such previous determination.
    drafter_attestation: Verbatim subsection of 42 U.S.C. §4104b from Cornell LII snapshot 8f5c63db1c510028;
      body isolated between nav and notes; substring-verified.
  judgment: false
- id: flood-42usc-4104b-f
  canonical_id: flood-42usc-4104b-f
  section: 42 U.S.C. §4104b(f)
  description: '(f): (f) Effective date The regulations under this section requiring use of the form established
    pursuant to this section shall be issued together with the regulations required under subsection (a)
    and shall take effect upon the expiration of the 180-day period beginning on such issuance. ( Pub.
    L. 90–44…'
  type: do
  tags:
  - regulator-direct
  - section-complete
  - usc-statute
  primary_source:
    tier: 1
    authority: 42 U.S.C. §4104b(c)
    source_class: flood-statute
    source_url: https://www.law.cornell.edu/uscode/text/42/4104b
    snapshot_id: 8f5c63db1c510028
    fetched_at: '2026-05-22T18:52:39Z'
    content_hash: sha256:dda559704556b6a0055b188d2d4edf078208c65c2889ee19975d6c5c3b03c1e7
    paragraph_quote: (f) Effective date The regulations under this section requiring use of the form established
      pursuant to this section shall be issued together with the regulations required under subsection
      (a) and shall take effect upon the expiration of the 180-day period beginning on such issuance.
      ( Pub. L. 90–448, title XIII, § 1365 , as added Pub. L. 103–325, title V, § 528 , Sept. 23, 1994
      , 108 Stat. 2264 ; amended Pub. L. 112–141, div. F, title II, § 100238(b)(1) , July 6, 2012 , 126
      Stat. 958 .)
    drafter_attestation: Verbatim subsection of 42 U.S.C. §4104b from Cornell LII snapshot 8f5c63db1c510028;
      body isolated between nav and notes; substring-verified.
  judgment: false
