source:
  type: regulation
  id: hmda-12usc-2802
  authority: HMDA (Home Mortgage Disclosure Act, 12 U.S.C.) § 2802 — Definitions
  description: 'HMDA (Home Mortgage Disclosure Act, 12 U.S.C.), §2802 Definitions. Captured section-complete from
    Cornell LII (verbatim).

    '
obligations:
- id: hmda-12usc-2802-full
  canonical_id: hmda-12usc-2802-full
  section: 12 U.S.C. §2802
  description: '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—'
  type: definition
  tags:
  - regulator-direct
  - gap-fill
  - section-complete
  - usc-statute
  primary_source:
    tier: 1
    authority: HMDA (Home Mortgage Disclosure Act, 12 U.S.C.) § 2802
    source_class: usc-statute-lii
    source_url: https://www.law.cornell.edu/uscode/text/12/2802
    snapshot_id: 954e09a5cf6256bc
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:e0d7afe26502aa480137fc8a72e304660cd79c5c2013ad4f48615d7e1c414fd2
    paragraph_quote: 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—
    drafter_attestation: Verbatim slice of 12 U.S.C. §2802 from Cornell LII snapshot 954e09a5cf6256bc; body isolated
      between nav and Editorial/Statutory Notes; substring-verified.
  judgment: false
- id: hmda-12usc-2802-i
  canonical_id: hmda-12usc-2802-i
  section: 12 U.S.C. §2802(i)
  description: 'Definitions — (i): (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 defi…'
  type: definition
  tags:
  - regulator-direct
  - gap-fill
  - section-complete
  - usc-statute
  primary_source:
    tier: 1
    authority: HMDA (Home Mortgage Disclosure Act, 12 U.S.C.) § 2802
    source_class: usc-statute-lii
    source_url: https://www.law.cornell.edu/uscode/text/12/2802
    snapshot_id: 954e09a5cf6256bc
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:e0d7afe26502aa480137fc8a72e304660cd79c5c2013ad4f48615d7e1c414fd2
    paragraph_quote: (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 received the information that is regularly obtained 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 Secretary 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 .) [1] So in original.
      Probably should be “paragraph (5)”.
    drafter_attestation: Verbatim slice of 12 U.S.C. §2802 subsection (i) from Cornell LII snapshot 954e09a5cf6256bc;
      body isolated between nav and Editorial/Statutory Notes; substring-verified.
  judgment: false
