source:
  type: regulation
  id: flood-42usc-4104a
  authority: National Flood Insurance Act (42 U.S.C.) § 4104a — Notice requirements
  description: 'National Flood Insurance Act (42 U.S.C.), §4104a Notice requirements. Captured section-complete
    from Cornell LII (verbatim).

    '
obligations:
- id: flood-42usc-4104a-a
  canonical_id: flood-42usc-4104a-a
  section: 42 U.S.C. §4104a(a)
  description: 'Notice requirements — (a): (a) Notification of special flood hazards (1) Regulated lending institutions
    Each Federal entity for lending regulation (after consultation and coordination with the Financial Institutions
    Examination Council) shall by regulation require regulated lending institutions, as a condition of making, incr…'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - section-complete
  - usc-statute
  primary_source:
    tier: 1
    authority: National Flood Insurance Act (42 U.S.C.) § 4104a
    source_class: usc-statute-lii
    source_url: https://www.law.cornell.edu/uscode/text/42/4104a
    snapshot_id: 4380e8739f728e88
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:8be20fd2b48ee7478f2a95a5a65853b650bd760de9f78d97bf542e1b79b59312
    paragraph_quote: (a) Notification of special flood hazards (1) Regulated lending institutions Each Federal entity
      for lending regulation (after consultation and coordination with the Financial Institutions Examination Council)
      shall by regulation require regulated lending institutions, as a condition of making, increasing, extending,
      or renewing any loan secured by improved real estate or a mobile home that the regulated lending institution
      determines is located or is to be located in an area that has been identified by the Administrator under this
      chapter or the Flood Disaster Protection Act of 1973 as an area having special flood hazards, to notify the
      purchaser or lessee (or obtain satisfactory assurances that the seller or lessor has notified the purchaser
      or lessee) and the servicer of the loan of such special flood hazards, in writing, a reasonable period in
      advance of the signing of the purchase agreement, lease, or other documents involved in the transaction. The
      regulations shall also require that the regulated lending institution retain a record of the receipt of the
      notices by the purchaser or lessee and the servicer. (2) Federal agency lenders Each Federal agency lender
      shall by regulation require notification in the manner provided under paragraph (1) with respect to any loan
      that is made by the Federal agency lender and secured by improved real estate or a mobile home located or
      to be located in an area that has been identified by the Administrator under this chapter or the Flood Disaster
      Protection Act of 1973 as an area having special flood hazards. Any regulations issued under this paragraph
      shall be consistent with and substantially identical to the regulations issued under paragraph (1). (3) Contents
      of notice Written notification required under this subsection shall include— (A) a warning, in a form to be
      established by the Administrator , stating that the building on the improved real estate securing the loan
      is located, or the mobile home securing the loan is or is to be located, in an area having special flood hazards;
      (B) a description of the flood insurance purchase requirements under section 102(b) of the Flood Disaster
      Protection Act of 1973 [ 42 U.S.C. 4012a(b) ]; (C) a statement that flood insurance coverage may be purchased
      under the national flood insurance program and is also available from private insurers, as required under
      section 102(b)(6) of the Flood Disaster Protection Act of 1973 ( 42 U.S.C. 4012a(b)(6) ); and (D) any other
      information that the Administrator considers necessary to carry out the purposes of the national flood insurance
      program .
    drafter_attestation: Verbatim slice of 42 U.S.C. §4104a subsection (a) from Cornell LII snapshot 4380e8739f728e88;
      body isolated between nav and Editorial/Statutory Notes; substring-verified.
  judgment: false
- id: flood-42usc-4104a-b
  canonical_id: flood-42usc-4104a-b
  section: 42 U.S.C. §4104a(b)
  description: 'Notice requirements — (b): (b) Notification of change of servicer (1) Lending institutions Each
    Federal entity for lending regulation (after consultation and coordination with the Financial Institutions Examination
    Council) shall by regulation require regulated lending institutions, in connection with the making, increasing,
    …'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - section-complete
  - usc-statute
  primary_source:
    tier: 1
    authority: National Flood Insurance Act (42 U.S.C.) § 4104a
    source_class: usc-statute-lii
    source_url: https://www.law.cornell.edu/uscode/text/42/4104a
    snapshot_id: 4380e8739f728e88
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:8be20fd2b48ee7478f2a95a5a65853b650bd760de9f78d97bf542e1b79b59312
    paragraph_quote: (b) Notification of change of servicer (1) Lending institutions Each Federal entity for lending
      regulation (after consultation and coordination with the Financial Institutions Examination Council) shall
      by regulation require regulated lending institutions, in connection with the making, increasing, extending,
      renewing, selling, or transferring any loan described in subsection (a)(1), to notify the Administrator (or
      the designee of the Administrator) in writing during the term of the loan of the servicer of the loan. Such
      institutions shall also notify the Administrator (or such designee) of any change in the servicer of the loan,
      not later than 60 days after the effective date of such change. The regulations under this subsection shall
      provide that upon any change in the servicing of a loan, the duty to provide notification under this subsection
      shall transfer to the transferee servicer of the loan. (2) Federal agency lenders Each Federal agency lender
      shall by regulation provide for notification in the manner provided under paragraph (1) with respect to any
      loan described in subsection (a)(1) that is made by the Federal agency lender . Any regulations issued under
      this paragraph shall be consistent with and substantially identical to the regulations issued under paragraph
      (1) of this subsection.
    drafter_attestation: Verbatim slice of 42 U.S.C. §4104a subsection (b) from Cornell LII snapshot 4380e8739f728e88;
      body isolated between nav and Editorial/Statutory Notes; substring-verified.
  judgment: false
- id: flood-42usc-4104a-c
  canonical_id: flood-42usc-4104a-c
  section: 42 U.S.C. §4104a(c)
  description: 'Notice requirements — (c): (c) Notification of expiration of insurance The Administrator (or the
    designee of the Administrator ) shall, not less than 45 days before the expiration of any contract for flood
    insurance under this chapter, issue notice of such expiration by first class mail to the owner of the property
    covered by…'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - section-complete
  - usc-statute
  primary_source:
    tier: 1
    authority: National Flood Insurance Act (42 U.S.C.) § 4104a
    source_class: usc-statute-lii
    source_url: https://www.law.cornell.edu/uscode/text/42/4104a
    snapshot_id: 4380e8739f728e88
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:8be20fd2b48ee7478f2a95a5a65853b650bd760de9f78d97bf542e1b79b59312
    paragraph_quote: (c) Notification of expiration of insurance The Administrator (or the designee of the Administrator
      ) shall, not less than 45 days before the expiration of any contract for flood insurance under this chapter,
      issue notice of such expiration by first class mail to the owner of the property covered by the contract,
      the servicer of any loan secured by the property covered by the contract, and (if known to the Administrator
      ) the owner of the loan. ( Pub. L. 90–448, title XIII, § 1364 , as added Pub. L. 93–383, title VIII, § 816(a)
      , Aug. 22, 1974 , 88 Stat. 739 ; amended Pub. L. 98–181, title I [title IV, § 451(d)(1)], Nov. 30, 1983 ,
      97 Stat. 1229 ; Pub. L. 103–325, title V, § 527 , Sept. 23, 1994 , 108 Stat. 2263 ; Pub. L. 112–141, div.
      F, title II , §§ 100238(b)(1), 100239(b), July 6, 2012 , 126 Stat. 958 , 960.)
    drafter_attestation: Verbatim slice of 42 U.S.C. §4104a subsection (c) from Cornell LII snapshot 4380e8739f728e88;
      body isolated between nav and Editorial/Statutory Notes; substring-verified.
  judgment: false
