source:
  type: regulation
  id: hmda-12usc-2805
  authority: HMDA (Home Mortgage Disclosure Act, 12 U.S.C.) § 2805 — Relation to State laws
  description: 'HMDA (Home Mortgage Disclosure Act, 12 U.S.C.), §2805 Relation to State laws. Captured section-complete
    from Cornell LII (verbatim).

    '
obligations:
- id: hmda-12usc-2805-a
  canonical_id: hmda-12usc-2805-a
  section: 12 U.S.C. §2805(a)
  description: 'Relation to State laws — (a): (a) In general This chapter does not annul, alter, or affect, or exempt
    any State chartered depository institution subject to the provisions of this chapter from complying with the
    laws of any State or subdivision thereof with respect to public disclosure and recordkeeping by depositor institutions,…'
  type: reference
  tags:
  - regulator-direct
  - gap-fill
  - section-complete
  - usc-statute
  primary_source:
    tier: 1
    authority: HMDA (Home Mortgage Disclosure Act, 12 U.S.C.) § 2805
    source_class: usc-statute-lii
    source_url: https://www.law.cornell.edu/uscode/text/12/2805
    snapshot_id: 4f35702207db793b
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:3ffd2591c71f5584a623022e43e0346acfb75c6f281eec8f12e9d7cd6b5cf3b2
    paragraph_quote: (a) In general This chapter does not annul, alter, or affect, or exempt any State chartered
      depository institution subject to the provisions of this chapter from complying with the laws of any State
      or subdivision thereof with respect to public disclosure and recordkeeping by depositor institutions, except
      to the extent that those laws are inconsistent with any provision of this chapter, and then only to the extent
      of the inconsistency. The Bureau is authorized to determine whether such inconsistencies exist. The Bureau
      may not determine that any such law is inconsistent with any provision of this chapter if the Bureau determines
      that such law requires the maintenance of records with greater geographic or other detail than is required
      under this chapter, or that such law otherwise provides greater disclosure than is required under this chapter.
    drafter_attestation: Verbatim slice of 12 U.S.C. §2805 subsection (a) from Cornell LII snapshot 4f35702207db793b;
      body isolated between nav and Editorial/Statutory Notes; substring-verified.
  judgment: false
- id: hmda-12usc-2805-b
  canonical_id: hmda-12usc-2805-b
  section: 12 U.S.C. §2805(b)
  description: 'Relation to State laws — (b): (b) Exemption authority The Bureau may, by regulation, exempt from
    the requirements of this chapter any State-chartered depository institution within any State or subdivision
    thereof, if the agency determines that, under the law of such State or subdivision, that institution is subject
    to requiremen…'
  type: reference
  tags:
  - regulator-direct
  - gap-fill
  - section-complete
  - usc-statute
  primary_source:
    tier: 1
    authority: HMDA (Home Mortgage Disclosure Act, 12 U.S.C.) § 2805
    source_class: usc-statute-lii
    source_url: https://www.law.cornell.edu/uscode/text/12/2805
    snapshot_id: 4f35702207db793b
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:3ffd2591c71f5584a623022e43e0346acfb75c6f281eec8f12e9d7cd6b5cf3b2
    paragraph_quote: (b) Exemption authority The Bureau may, by regulation, exempt from the requirements of this
      chapter any State-chartered depository institution within any State or subdivision thereof, if the agency
      determines that, under the law of such State or subdivision, that institution is subject to requirements that
      are substantially similar to those imposed under this chapter, and that such law contains adequate provisions
      for enforcement. Notwithstanding any other provision of this subsection, compliance with the requirements
      imposed under this subsection shall be enforced by the Office of the Comptroller of the Currency under section
      1818 of this title , in the case of national banks and Federal savings associations, the deposits of which
      are insured by the Federal Deposit Insurance Corporation . ( Pub. L. 94–200, title III, § 306 , Dec. 31, 1975
      , 89 Stat. 1127 ; Pub. L. 100–628, title X, § 1087(b) , Nov. 7, 1988 , 102 Stat. 3280 ; Pub. L. 101–73, title
      VII, § 744(p)(2) , Aug. 9, 1989 , 103 Stat. 440 ; Pub. L. 111–203, title X, § 1094(1) , (5), July 21, 2010
      , 124 Stat. 2097 , 2100.)
    drafter_attestation: Verbatim slice of 12 U.S.C. §2805 subsection (b) from Cornell LII snapshot 4f35702207db793b;
      body isolated between nav and Editorial/Statutory Notes; substring-verified.
  judgment: false
