source:
  type: regulation
  id: hmda-12usc-2801
  authority: HMDA (Home Mortgage Disclosure Act, 12 U.S.C.) § 2801 — Congressional findings and declaration of purpose
  description: 'HMDA (Home Mortgage Disclosure Act, 12 U.S.C.), §2801 Congressional findings and declaration of
    purpose. Captured section-complete from Cornell LII (verbatim).

    '
obligations:
- id: hmda-12usc-2801-a
  canonical_id: hmda-12usc-2801-a
  section: 12 U.S.C. §2801(a)
  description: 'Congressional findings and declaration of purpose — (a): (a) Findings of Congress The Congress finds
    that some depository institutions have sometimes contributed to the decline of certain geographic areas by their
    failure pursuant to their chartering responsibilities to provide adequate home financing to qualified applicants
    on reasonable terms and condit…'
  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.) § 2801
    source_class: usc-statute-lii
    source_url: https://www.law.cornell.edu/uscode/text/12/2801
    snapshot_id: 5fd709e013304ed4
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:4e70f255a493ccdf47e65c2ddb1cba6bf1e5225a1bf0d7df8b70071b0ac54349
    paragraph_quote: (a) Findings of Congress The Congress finds that some depository institutions have sometimes
      contributed to the decline of certain geographic areas by their failure pursuant to their chartering responsibilities
      to provide adequate home financing to qualified applicants on reasonable terms and conditions.
    drafter_attestation: Verbatim slice of 12 U.S.C. §2801 subsection (a) from Cornell LII snapshot 5fd709e013304ed4;
      body isolated between nav and Editorial/Statutory Notes; substring-verified.
  judgment: false
- id: hmda-12usc-2801-b
  canonical_id: hmda-12usc-2801-b
  section: 12 U.S.C. §2801(b)
  description: 'Congressional findings and declaration of purpose — (b): (b) Purpose of chapter The purpose of this
    chapter is to provide the citizens and public officials of the United States with sufficient information to
    enable them to determine whether depository institutions are filling their obligations to serve the housing
    needs of the communities and neighborhood…'
  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.) § 2801
    source_class: usc-statute-lii
    source_url: https://www.law.cornell.edu/uscode/text/12/2801
    snapshot_id: 5fd709e013304ed4
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:4e70f255a493ccdf47e65c2ddb1cba6bf1e5225a1bf0d7df8b70071b0ac54349
    paragraph_quote: (b) Purpose of chapter The purpose of this chapter is to provide the citizens and public officials
      of the United States with sufficient information to enable them to determine whether depository institutions
      are filling their obligations to serve the housing needs of the communities and neighborhoods in which they
      are located and to assist public officials in their determination of the distribution of public sector investments
      in a manner designed to improve the private investment environment.
    drafter_attestation: Verbatim slice of 12 U.S.C. §2801 subsection (b) from Cornell LII snapshot 5fd709e013304ed4;
      body isolated between nav and Editorial/Statutory Notes; substring-verified.
  judgment: false
- id: hmda-12usc-2801-c
  canonical_id: hmda-12usc-2801-c
  section: 12 U.S.C. §2801(c)
  description: 'Congressional findings and declaration of purpose — (c): (c) Construction of chapter Nothing in
    this chapter is intended to, nor shall it be construed to, encourage unsound lending practices or the allocation
    of credit. ( Pub. L. 94–200, title III, § 302 , Dec. 31, 1975 , 89 Stat. 1125 .)'
  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.) § 2801
    source_class: usc-statute-lii
    source_url: https://www.law.cornell.edu/uscode/text/12/2801
    snapshot_id: 5fd709e013304ed4
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:4e70f255a493ccdf47e65c2ddb1cba6bf1e5225a1bf0d7df8b70071b0ac54349
    paragraph_quote: (c) Construction of chapter Nothing in this chapter is intended to, nor shall it be construed
      to, encourage unsound lending practices or the allocation of credit. ( Pub. L. 94–200, title III, § 302 ,
      Dec. 31, 1975 , 89 Stat. 1125 .)
    drafter_attestation: Verbatim slice of 12 U.S.C. §2801 subsection (c) from Cornell LII snapshot 5fd709e013304ed4;
      body isolated between nav and Editorial/Statutory Notes; substring-verified.
  judgment: false
