source:
  type: regulation
  id: hmda-12usc-2803
  authority: HMDA (Home Mortgage Disclosure Act, 12 U.S.C.) § 2803 — Maintenance of records and public disclosure
  description: 'HMDA (Home Mortgage Disclosure Act, 12 U.S.C.), §2803 Maintenance of records and public disclosure.
    Captured section-complete from Cornell LII (verbatim).

    '
obligations:
- id: hmda-12usc-2803-a
  canonical_id: hmda-12usc-2803-a
  section: 12 U.S.C. §2803(a)
  description: 'Maintenance of records and public disclosure — (a): (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 o…'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - section-complete
  - usc-statute
  primary_source:
    tier: 1
    authority: HMDA (Home Mortgage Disclosure Act, 12 U.S.C.) § 2803
    source_class: usc-statute-lii
    source_url: https://www.law.cornell.edu/uscode/text/12/2803
    snapshot_id: 5ed44556007b4515
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:687509f6909c4754e1124469e80010be058a87f7cf52e8464c2a38380daa3c93
    paragraph_quote: '(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 within any other county within that primary metropolitan
      statistical area, metropolitan statistical area, or consolidated metropolitan statistical area that is not
      comprised of designated primary 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 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 comprised of designated primary
      metropolitan statistical areas shall be required to make the information 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 completed applications were received) by an office of that depository institution
      located in the 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 office
      making such information available is located. 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 statistical area that is not comprised of designated primary
      metropolitan statistical areas if such institutions have originated or purchased or received completed applications
      for at least 5 mortgage loans in such area in the preceding calendar year.'
    drafter_attestation: Verbatim slice of 12 U.S.C. §2803 subsection (a) from Cornell LII snapshot 5ed44556007b4515;
      body isolated between nav and Editorial/Statutory Notes; substring-verified.
  judgment: false
- id: hmda-12usc-2803-b
  canonical_id: hmda-12usc-2803-b
  section: 12 U.S.C. §2803(b)
  description: 'Maintenance of records and public disclosure — (b): (b) Itemization of loan data Any item of information
    relating to mortgage loans required to be maintained under subsection (a) shall be further itemized in order
    to disclose for each such item— (1) the number and dollar amount of mortgage loans which are insured under title
    II of the National Housin…'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - section-complete
  - usc-statute
  primary_source:
    tier: 1
    authority: HMDA (Home Mortgage Disclosure Act, 12 U.S.C.) § 2803
    source_class: usc-statute-lii
    source_url: https://www.law.cornell.edu/uscode/text/12/2803
    snapshot_id: 5ed44556007b4515
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:687509f6909c4754e1124469e80010be058a87f7cf52e8464c2a38380daa3c93
    paragraph_quote: (b) Itemization of loan data Any item of information relating to mortgage loans required to
      be maintained under subsection (a) shall be further itemized in order to disclose for each such item— (1)
      the number and dollar amount of mortgage 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
      guaranteed under chapter 37 of title 38; (2) the number and dollar amount of mortgage loans made to mortgagors
      who did not, at the time of execution of the mortgage, intend to reside in the property securing the mortgage
      loan ; (3) the number and dollar amount of home improvement loans; (4) the number and dollar amount of mortgage
      loans and completed applications involving mortgagors or mortgage applicants grouped according to census tract,
      income level, racial characteristics, age, and gender; (5) the number and dollar amount of mortgage loans
      grouped according to measurements of— (A) the total points and fees payable at origination in connection with
      the mortgage as determined by the Bureau , taking into account 15 U.S.C. 1602(aa)(4) ; (B) the difference
      between the annual percentage 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 repayment of some portion of
      principal or the entire principal in advance of scheduled payments; and (D) such other information as the
      Bureau may require; and (6) the number and dollar amount of mortgage 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 payments 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 appropriate,
      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 appropriate, a universal loan identifier; (H) as the Bureau may determine to
      be appropriate, the parcel number that corresponds to the real property pledged or proposed 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.
    drafter_attestation: Verbatim slice of 12 U.S.C. §2803 subsection (b) from Cornell LII snapshot 5ed44556007b4515;
      body isolated between nav and Editorial/Statutory Notes; substring-verified.
  judgment: false
- id: hmda-12usc-2803-c
  canonical_id: hmda-12usc-2803-c
  section: 12 U.S.C. §2803(c)
  description: 'Maintenance of records and public disclosure — (c): (c) Period of maintenance Any information required
    to be compiled and made available under this section, other than loan application register information under
    subsection (j), shall be maintained and made available for a period of five years after the close of the first
    year during which such inform…'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - section-complete
  - usc-statute
  primary_source:
    tier: 1
    authority: HMDA (Home Mortgage Disclosure Act, 12 U.S.C.) § 2803
    source_class: usc-statute-lii
    source_url: https://www.law.cornell.edu/uscode/text/12/2803
    snapshot_id: 5ed44556007b4515
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:687509f6909c4754e1124469e80010be058a87f7cf52e8464c2a38380daa3c93
    paragraph_quote: (c) Period of maintenance Any information required to be compiled and made available under
      this section, other than loan application register information under subsection (j), shall be maintained and
      made available 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.
    drafter_attestation: Verbatim slice of 12 U.S.C. §2803 subsection (c) from Cornell LII snapshot 5ed44556007b4515;
      body isolated between nav and Editorial/Statutory Notes; substring-verified.
  judgment: false
- id: hmda-12usc-2803-d
  canonical_id: hmda-12usc-2803-d
  section: 12 U.S.C. §2803(d)
  description: 'Maintenance of records and public disclosure — (d): (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 institution which is required to make disclosures
    under this section but whi…'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - section-complete
  - usc-statute
  primary_source:
    tier: 1
    authority: HMDA (Home Mortgage Disclosure Act, 12 U.S.C.) § 2803
    source_class: usc-statute-lii
    source_url: https://www.law.cornell.edu/uscode/text/12/2803
    snapshot_id: 5ed44556007b4515
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:687509f6909c4754e1124469e80010be058a87f7cf52e8464c2a38380daa3c93
    paragraph_quote: (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 institution which is required to make disclosures under this section but which has been
      making disclosures 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.
    drafter_attestation: Verbatim slice of 12 U.S.C. §2803 subsection (d) from Cornell LII snapshot 5ed44556007b4515;
      body isolated between nav and Editorial/Statutory Notes; substring-verified.
  judgment: false
- id: hmda-12usc-2803-e
  canonical_id: hmda-12usc-2803-e
  section: 12 U.S.C. §2803(e)
  description: 'Maintenance of records and public disclosure — (e): (e) Format for disclosures Subject to subsection
    (h), the Bureau shall prescribe a standard format for the disclosures required under this section.'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - section-complete
  - usc-statute
  primary_source:
    tier: 1
    authority: HMDA (Home Mortgage Disclosure Act, 12 U.S.C.) § 2803
    source_class: usc-statute-lii
    source_url: https://www.law.cornell.edu/uscode/text/12/2803
    snapshot_id: 5ed44556007b4515
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:687509f6909c4754e1124469e80010be058a87f7cf52e8464c2a38380daa3c93
    paragraph_quote: (e) Format for disclosures Subject to subsection (h), the Bureau shall prescribe a standard
      format for the disclosures required under this section.
    drafter_attestation: Verbatim slice of 12 U.S.C. §2803 subsection (e) from Cornell LII snapshot 5ed44556007b4515;
      body isolated between nav and Editorial/Statutory Notes; substring-verified.
  judgment: false
- id: hmda-12usc-2803-f
  canonical_id: hmda-12usc-2803-f
  section: 12 U.S.C. §2803(f)
  description: 'Maintenance of records and public disclosure — (f): (f) Data disclosure system; operation, etc.
    The Federal Financial Institutions Examination Council, in consultation with the Secretary , shall implement
    a system to facilitate access to data required to be disclosed under this section. Such system shall include
    arrangements for a central depository …'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - section-complete
  - usc-statute
  primary_source:
    tier: 1
    authority: HMDA (Home Mortgage Disclosure Act, 12 U.S.C.) § 2803
    source_class: usc-statute-lii
    source_url: https://www.law.cornell.edu/uscode/text/12/2803
    snapshot_id: 5ed44556007b4515
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:687509f6909c4754e1124469e80010be058a87f7cf52e8464c2a38380daa3c93
    paragraph_quote: (f) Data disclosure system; operation, etc. The Federal Financial Institutions Examination
      Council, in consultation with the Secretary , shall implement a system to facilitate access to data required
      to be disclosed under this section. Such system shall include arrangements for a central depository of data
      in each primary metropolitan statistical area, metropolitan statistical area, or consolidated metropolitan
      statistical area that is not comprised of designated primary metropolitan statistical areas. Disclosure statements
      shall be made available to the public for inspection and copying at such central depository of data for all
      depository institutions which are required to disclose information under this section (or which are exempted
      pursuant to section 2805(b) of this title ) and which have a home office or branch office within such primary
      metropolitan statistical area, metropolitan statistical area, or consolidated metropolitan statistical area
      that is not comprised of designated primary metropolitan statistical areas.
    drafter_attestation: Verbatim slice of 12 U.S.C. §2803 subsection (f) from Cornell LII snapshot 5ed44556007b4515;
      body isolated between nav and Editorial/Statutory Notes; substring-verified.
  judgment: false
- id: hmda-12usc-2803-g
  canonical_id: hmda-12usc-2803-g
  section: 12 U.S.C. §2803(g)
  description: 'Maintenance of records and public disclosure — (g): (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 applications
    are received) by any mortgage banking subsidiary of a bank holding company or savings and loan holding company
    or by any savings and loan …'
  type: dont
  tags:
  - regulator-direct
  - gap-fill
  - section-complete
  - usc-statute
  primary_source:
    tier: 1
    authority: HMDA (Home Mortgage Disclosure Act, 12 U.S.C.) § 2803
    source_class: usc-statute-lii
    source_url: https://www.law.cornell.edu/uscode/text/12/2803
    snapshot_id: 5ed44556007b4515
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:687509f6909c4754e1124469e80010be058a87f7cf52e8464c2a38380daa3c93
    paragraph_quote: (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 applications are received) by any mortgage banking
      subsidiary of a bank holding company or savings and loan holding company or by any savings and loan service
      corporation that originates or purchases mortgage loans; and (2) approved (or for which completed applications
      are received) by the Secretary for insurance under title I or II of the National Housing Act [ 12 U.S.C. 1702
      et seq., 1707 et seq.].
    drafter_attestation: Verbatim slice of 12 U.S.C. §2803 subsection (g) from Cornell LII snapshot 5ed44556007b4515;
      body isolated between nav and Editorial/Statutory Notes; substring-verified.
  judgment: false
- id: hmda-12usc-2803-h
  canonical_id: hmda-12usc-2803-h
  section: 12 U.S.C. §2803(h)
  description: 'Maintenance of records and public disclosure — (h): (h) Submission to agencies (1) In general The
    data required to be disclosed under subsection (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 . Notwithstanding
    the requirement of subs…'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - section-complete
  - usc-statute
  primary_source:
    tier: 1
    authority: HMDA (Home Mortgage Disclosure Act, 12 U.S.C.) § 2803
    source_class: usc-statute-lii
    source_url: https://www.law.cornell.edu/uscode/text/12/2803
    snapshot_id: 5ed44556007b4515
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:687509f6909c4754e1124469e80010be058a87f7cf52e8464c2a38380daa3c93
    paragraph_quote: (h) Submission to agencies (1) In general The data required to be disclosed under subsection
      (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 . Notwithstanding the requirement of subsection
      (a)(2)(A) for disclosure by census tract, the Bureau , 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 disclosures, the method for submission of the data to the appropriate agency, and the procedures for
      disclosing the information to the public; (B) require the collection of data required to be disclosed under
      subsection (b) with respect to loans sold by each institution reporting 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 appropriate agency such additional data or explanations as it deems relevant to the decision
      to originate or purchase mortgage loans ; and (E) modify or require modification of itemized information,
      for the purpose of protecting the privacy interests of the mortgage 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 agencies, as defined in section 1813(q) of this title , with respect
      to the entities that are subject to the jurisdiction of each such agency, respectively; (B) 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, insured State branches of foreign banks, and any other
      depository institution described in section 2802(2)(A) [1] of this title which is not otherwise referred to
      in this paragraph; (C) the National Credit Union Administration 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—
    drafter_attestation: Verbatim slice of 12 U.S.C. §2803 subsection (h) from Cornell LII snapshot 5ed44556007b4515;
      body isolated between nav and Editorial/Statutory Notes; substring-verified.
  judgment: false
- id: hmda-12usc-2803-i
  canonical_id: hmda-12usc-2803-i
  section: 12 U.S.C. §2803(i)
  description: 'Maintenance of records and public disclosure — (i): (i) credit score data described in subsection
    (b)(6)(I), in a manner that is consistent with the purpose described in paragraph (1)(E); and (ii) age or any
    other category of data described in paragraph (5) or (6) of subsection (b), as the Bureau determines to be necessary
    to satisfy the purpose desc…'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - section-complete
  - usc-statute
  primary_source:
    tier: 1
    authority: HMDA (Home Mortgage Disclosure Act, 12 U.S.C.) § 2803
    source_class: usc-statute-lii
    source_url: https://www.law.cornell.edu/uscode/text/12/2803
    snapshot_id: 5ed44556007b4515
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:687509f6909c4754e1124469e80010be058a87f7cf52e8464c2a38380daa3c93
    paragraph_quote: (i) credit score data described in subsection (b)(6)(I), in a manner that is consistent with
      the purpose described in paragraph (1)(E); and (ii) age or any other category of data described in paragraph
      (5) or (6) of subsection (b), as the Bureau determines to be necessary to satisfy the purpose described in
      paragraph (1)(E), and in a manner consistent 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 described in subparagraph
      (A) in aggregate or other reasonably modified form, in order to effectuate the purposes of this chapter.
    drafter_attestation: Verbatim slice of 12 U.S.C. §2803 subsection (i) from Cornell LII snapshot 5ed44556007b4515;
      body isolated between nav and Editorial/Statutory Notes; substring-verified.
  judgment: false
- id: hmda-12usc-2803-i
  canonical_id: hmda-12usc-2803-i
  section: 12 U.S.C. §2803(i)
  description: 'Maintenance of records and public disclosure — (i): (i) Exemptions (1) Closed-end mortgage loans
    With respect to an insured depository institution or insured credit union, the requirements of paragraphs (5)
    and (6) of subsection (b) shall not apply with respect to closed-end mortgage loans if the insured depository
    institution or insured credit union…'
  type: dont
  tags:
  - regulator-direct
  - gap-fill
  - section-complete
  - usc-statute
  primary_source:
    tier: 1
    authority: HMDA (Home Mortgage Disclosure Act, 12 U.S.C.) § 2803
    source_class: usc-statute-lii
    source_url: https://www.law.cornell.edu/uscode/text/12/2803
    snapshot_id: 5ed44556007b4515
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:687509f6909c4754e1124469e80010be058a87f7cf52e8464c2a38380daa3c93
    paragraph_quote: (i) Exemptions (1) Closed-end mortgage loans With respect to an insured depository institution
      or insured credit union, the requirements of paragraphs (5) and (6) of subsection (b) shall not apply with
      respect to closed-end mortgage loans if the insured depository institution 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 institution or insured credit union, the requirements of paragraphs
      (5) and (6) of subsection (b) shall not apply with respect to open-end lines of credit if the insured depository
      institution 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 with paragraphs (5) and (6) of subsection (b) if the insured depository institution
      has received a rating of “needs to improve record of meeting community credit needs” during each of its 2
      most recent examinations or a rating of “substantial noncompliance in meeting community credit needs” on its
      most recent examination under section 2906(b)(2) of this title . (3) 2 Exemption from certain disclosure requirements
      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.
    drafter_attestation: Verbatim slice of 12 U.S.C. §2803 subsection (i) from Cornell LII snapshot 5ed44556007b4515;
      body isolated between nav and Editorial/Statutory Notes; substring-verified.
  judgment: false
- id: hmda-12usc-2803-j
  canonical_id: hmda-12usc-2803-j
  section: 12 U.S.C. §2803(j)
  description: 'Maintenance of records and public disclosure — (j): (j) Loan application register information (1)
    In general In addition to the information required to be disclosed under subsections (a) and (b), any depository
    institution which is required to make disclosures under this section shall make available to the public, upon
    request, loan application regis…'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - section-complete
  - usc-statute
  primary_source:
    tier: 1
    authority: HMDA (Home Mortgage Disclosure Act, 12 U.S.C.) § 2803
    source_class: usc-statute-lii
    source_url: https://www.law.cornell.edu/uscode/text/12/2803
    snapshot_id: 5ed44556007b4515
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:687509f6909c4754e1124469e80010be058a87f7cf52e8464c2a38380daa3c93
    paragraph_quote: (j) Loan application register information (1) In general In addition to the information required
      to be disclosed under subsections (a) and (b), any depository institution which is required to make disclosures
      under this section shall make available to the public, upon request, loan application 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 application register information
      described in paragraph (1) may be disclosed by a depository institution without editing or compilation 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—
    drafter_attestation: Verbatim slice of 12 U.S.C. §2803 subsection (j) from Cornell LII snapshot 5ed44556007b4515;
      body isolated between nav and Editorial/Statutory Notes; substring-verified.
  judgment: false
- id: hmda-12usc-2803-i
  canonical_id: hmda-12usc-2803-i
  section: 12 U.S.C. §2803(i)
  description: 'Maintenance of records and public disclosure — (i): (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 determination by the institution with respect to such application; and (ii) a depository institution from
    liability under any Federal …'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - section-complete
  - usc-statute
  primary_source:
    tier: 1
    authority: HMDA (Home Mortgage Disclosure Act, 12 U.S.C.) § 2803
    source_class: usc-statute-lii
    source_url: https://www.law.cornell.edu/uscode/text/12/2803
    snapshot_id: 5ed44556007b4515
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:687509f6909c4754e1124469e80010be058a87f7cf52e8464c2a38380daa3c93
    paragraph_quote: (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 determination by the institution with
      respect to such application; and (ii) a depository institution from liability under any Federal or State privacy
      law. (C) Census tract format encouraged It is the sense of the Congress that a depository institution should
      provide loan register information under this section in a format based on the census tract in which the property
      is located. (3) Change of form not required A depository institution meets the disclosure requirement of paragraph
      (1) if the institution 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 reproducing such information. (5)
      Time of disclosure The disclosure of the loan application register information described in paragraph (1)
      for any year pursuant to a request under paragraph (1) shall be made— (A) in the case of a request made on
      or before 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 application 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 subsection, the Bureau
      shall make every effort to minimize the costs incurred by a depository institution in complying with this
      subsection and such regulations.
    drafter_attestation: Verbatim slice of 12 U.S.C. §2803 subsection (i) from Cornell LII snapshot 5ed44556007b4515;
      body isolated between nav and Editorial/Statutory Notes; substring-verified.
  judgment: false
- id: hmda-12usc-2803-k
  canonical_id: hmda-12usc-2803-k
  section: 12 U.S.C. §2803(k)
  description: 'Maintenance of records and public disclosure — (k): (k) Disclosure of statements by depository institutions
    (1) In general In accordance with procedures established by the Bureau pursuant to this section, any depository
    institution required to make disclosures under this section— (A) shall make a disclosure statement available,
    upon request, to the p…'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - section-complete
  - usc-statute
  primary_source:
    tier: 1
    authority: HMDA (Home Mortgage Disclosure Act, 12 U.S.C.) § 2803
    source_class: usc-statute-lii
    source_url: https://www.law.cornell.edu/uscode/text/12/2803
    snapshot_id: 5ed44556007b4515
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:687509f6909c4754e1124469e80010be058a87f7cf52e8464c2a38380daa3c93
    paragraph_quote: (k) Disclosure of statements by depository institutions (1) In general In accordance with procedures
      established by the Bureau pursuant to this section, any depository institution required to make disclosures
      under this section— (A) shall make a disclosure statement available, upon request, to the public no later
      than 3 business days after the institution 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 personal
      computer or in any other media which is not prohibited under regulations prescribed 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 statement 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 incurred in providing
      or reproducing such statement.
    drafter_attestation: Verbatim slice of 12 U.S.C. §2803 subsection (k) from Cornell LII snapshot 5ed44556007b4515;
      body isolated between nav and Editorial/Statutory Notes; substring-verified.
  judgment: false
- id: hmda-12usc-2803-l
  canonical_id: hmda-12usc-2803-l
  section: 12 U.S.C. §2803(l)
  description: 'Maintenance of records and public disclosure — (l): (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 presc…'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - section-complete
  - usc-statute
  primary_source:
    tier: 1
    authority: HMDA (Home Mortgage Disclosure Act, 12 U.S.C.) § 2803
    source_class: usc-statute-lii
    source_url: https://www.law.cornell.edu/uscode/text/12/2803
    snapshot_id: 5ed44556007b4515
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:687509f6909c4754e1124469e80010be058a87f7cf52e8464c2a38380daa3c93
    paragraph_quote: (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 Bureau and subject to subparagraph (B), any information required to be disclosed for any year beginning
      after December 31, 1992 , under—
    drafter_attestation: Verbatim slice of 12 U.S.C. §2803 subsection (l) from Cornell LII snapshot 5ed44556007b4515;
      body isolated between nav and Editorial/Statutory Notes; substring-verified.
  judgment: false
- id: hmda-12usc-2803-i
  canonical_id: hmda-12usc-2803-i
  section: 12 U.S.C. §2803(i)
  description: 'Maintenance of records and public disclosure — (i): (i) this section shall be made available to
    the public before September 1 of the succeeding year; and (ii) section 2809 of this title shall be made available
    to the public before December 1 of the succeeding year. (B) Shorter periods encouraged after 1994 With respect
    to disclosures of information u…'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - section-complete
  - usc-statute
  primary_source:
    tier: 1
    authority: HMDA (Home Mortgage Disclosure Act, 12 U.S.C.) § 2803
    source_class: usc-statute-lii
    source_url: https://www.law.cornell.edu/uscode/text/12/2803
    snapshot_id: 5ed44556007b4515
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:687509f6909c4754e1124469e80010be058a87f7cf52e8464c2a38380daa3c93
    paragraph_quote: (i) this section shall be made available to the public before September 1 of the succeeding
      year; and (ii) section 2809 of this title shall be made available to the public before December 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—
    drafter_attestation: Verbatim slice of 12 U.S.C. §2803 subsection (i) from Cornell LII snapshot 5ed44556007b4515;
      body isolated between nav and Editorial/Statutory Notes; substring-verified.
  judgment: false
- id: hmda-12usc-2803-i
  canonical_id: hmda-12usc-2803-i
  section: 12 U.S.C. §2803(i)
  description: 'Maintenance of records and public disclosure — (i): (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 Fede…'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - section-complete
  - usc-statute
  primary_source:
    tier: 1
    authority: HMDA (Home Mortgage Disclosure Act, 12 U.S.C.) § 2803
    source_class: usc-statute-lii
    source_url: https://www.law.cornell.edu/uscode/text/12/2803
    snapshot_id: 5ed44556007b4515
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:687509f6909c4754e1124469e80010be058a87f7cf52e8464c2a38380daa3c93
    paragraph_quote: (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 Examination Council shall make such changes in the system established pursuant to subsection
      (f) as may be necessary to carry out the requirements of this subsection.
    drafter_attestation: Verbatim slice of 12 U.S.C. §2803 subsection (i) from Cornell LII snapshot 5ed44556007b4515;
      body isolated between nav and Editorial/Statutory Notes; substring-verified.
  judgment: false
- id: hmda-12usc-2803-m
  canonical_id: hmda-12usc-2803-m
  section: 12 U.S.C. §2803(m)
  description: 'Maintenance of records and public disclosure — (m): (m) Opportunity to reduce compliance burden
    (1) In general (A) Satisfaction of public availability requirements A depository institution shall be deemed
    to have satisfied the public availability requirements of subsection (a) if the institution compiles the information
    required under that subsection…'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - section-complete
  - usc-statute
  primary_source:
    tier: 1
    authority: HMDA (Home Mortgage Disclosure Act, 12 U.S.C.) § 2803
    source_class: usc-statute-lii
    source_url: https://www.law.cornell.edu/uscode/text/12/2803
    snapshot_id: 5ed44556007b4515
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:687509f6909c4754e1124469e80010be058a87f7cf52e8464c2a38380daa3c93
    paragraph_quote: (m) Opportunity to reduce compliance burden (1) In general (A) Satisfaction of public availability
      requirements A depository institution shall be deemed to have satisfied the public availability requirements
      of subsection (a) if the institution 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 required to be compiled
      under subsection (a), the home office of the depository institution receiving the request shall provide the
      information 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 depository institution shall provide the person
      requesting the information with a copy of the information requested in such formats as the Bureau may require.
    drafter_attestation: Verbatim slice of 12 U.S.C. §2803 subsection (m) from Cornell LII snapshot 5ed44556007b4515;
      body isolated between nav and Editorial/Statutory Notes; substring-verified.
  judgment: false
- id: hmda-12usc-2803-n
  canonical_id: hmda-12usc-2803-n
  section: 12 U.S.C. §2803(n)
  description: 'Maintenance of records and public disclosure — (n): (n) Timing of certain disclosures The data required
    to be disclosed under subsection (b) shall be submitted to the Bureau or to the appropriate agency for any institution
    reporting under this chapter, in accordance with regulations prescribed by the Bureau . Institutions shall not
    be required to rep…'
  type: dont
  tags:
  - regulator-direct
  - gap-fill
  - section-complete
  - usc-statute
  primary_source:
    tier: 1
    authority: HMDA (Home Mortgage Disclosure Act, 12 U.S.C.) § 2803
    source_class: usc-statute-lii
    source_url: https://www.law.cornell.edu/uscode/text/12/2803
    snapshot_id: 5ed44556007b4515
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:687509f6909c4754e1124469e80010be058a87f7cf52e8464c2a38380daa3c93
    paragraph_quote: (n) Timing of certain disclosures The data required to be disclosed under subsection (b) shall
      be submitted to the Bureau or to the appropriate agency for any institution reporting under this chapter,
      in accordance with regulations prescribed by the Bureau . Institutions shall not be required to report new
      data under paragraph (5) or (6) of subsection (b) before 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.
    drafter_attestation: Verbatim slice of 12 U.S.C. §2803 subsection (n) from Cornell LII snapshot 5ed44556007b4515;
      body isolated between nav and Editorial/Statutory Notes; substring-verified.
  judgment: false
- id: hmda-12usc-2803-o
  canonical_id: hmda-12usc-2803-o
  section: 12 U.S.C. §2803(o)
  description: 'Maintenance of records and public disclosure — (o): (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 …'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - section-complete
  - usc-statute
  primary_source:
    tier: 1
    authority: HMDA (Home Mortgage Disclosure Act, 12 U.S.C.) § 2803
    source_class: usc-statute-lii
    source_url: https://www.law.cornell.edu/uscode/text/12/2803
    snapshot_id: 5ed44556007b4515
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:687509f6909c4754e1124469e80010be058a87f7cf52e8464c2a38380daa3c93
    paragraph_quote: (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.) [1] See References
      in Text note below. [2] So in original. Two pars. (3) have been enacted. [3] So in original. Probably should
      be followed by a period.
    drafter_attestation: Verbatim slice of 12 U.S.C. §2803 subsection (o) from Cornell LII snapshot 5ed44556007b4515;
      body isolated between nav and Editorial/Statutory Notes; substring-verified.
  judgment: false
