source:
  type: regulation
  id: hmda-12usc-2804
  authority: HMDA (Home Mortgage Disclosure Act, 12 U.S.C.) § 2804 — Enforcement
  description: 'HMDA (Home Mortgage Disclosure Act, 12 U.S.C.), §2804 Enforcement. Captured section-complete from
    Cornell LII (verbatim).

    '
obligations:
- id: hmda-12usc-2804-a
  canonical_id: hmda-12usc-2804-a
  section: 12 U.S.C. §2804(a)
  description: 'Enforcement — (a): (a) Regulations The Bureau shall prescribe such regulations as may be necessary
    to carry out the purposes of this chapter. These regulations may contain such classifications, differentiations,
    or other provisions, and may provide for such adjustments and exceptions for any class of transactions, as …'
  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.) § 2804
    source_class: usc-statute-lii
    source_url: https://www.law.cornell.edu/uscode/text/12/2804
    snapshot_id: 0400e92999712e8a
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:986d21e89cd241252f7ad5eaee614baca5664879fb978c09937fd7ce5959cd9f
    paragraph_quote: (a) Regulations The Bureau shall prescribe such regulations as may be necessary to carry out
      the purposes of this chapter. These regulations may contain such classifications, differentiations, or other
      provisions, and may provide for such adjustments and exceptions for any class of transactions, as in the judgment
      of the Bureau are necessary and proper to effectuate the purposes of this chapter, and prevent circumvention
      or evasion thereof, or to facilitate compliance therewith.
    drafter_attestation: Verbatim slice of 12 U.S.C. §2804 subsection (a) from Cornell LII snapshot 0400e92999712e8a;
      body isolated between nav and Editorial/Statutory Notes; substring-verified.
  judgment: false
- id: hmda-12usc-2804-b
  canonical_id: hmda-12usc-2804-b
  section: 12 U.S.C. §2804(b)
  description: 'Enforcement — (b): (b) Powers of certain other agencies (1) In general Subject to subtitle B of
    the Consumer Financial Protection Act of 2010 [ 12 U.S.C. 5511 et seq.], compliance with the requirements of
    this chapter shall be enforced— (A) under section 1818 of this title , the appropriate Federal banking agency,
    as …'
  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.) § 2804
    source_class: usc-statute-lii
    source_url: https://www.law.cornell.edu/uscode/text/12/2804
    snapshot_id: 0400e92999712e8a
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:986d21e89cd241252f7ad5eaee614baca5664879fb978c09937fd7ce5959cd9f
    paragraph_quote: (b) Powers of certain other agencies (1) In general Subject to subtitle B of the Consumer Financial
      Protection Act of 2010 [ 12 U.S.C. 5511 et seq.], compliance with the requirements of this chapter shall be
      enforced— (A) under section 1818 of this title , the appropriate Federal banking agency, as defined in section
      1813(q) of this title , with respect to—
    drafter_attestation: Verbatim slice of 12 U.S.C. §2804 subsection (b) from Cornell LII snapshot 0400e92999712e8a;
      body isolated between nav and Editorial/Statutory Notes; substring-verified.
  judgment: false
- id: hmda-12usc-2804-i
  canonical_id: hmda-12usc-2804-i
  section: 12 U.S.C. §2804(i)
  description: 'Enforcement — (i): (i) any national bank or Federal savings association, and any Federal branch
    or Federal agency of a foreign bank; (ii) any member bank of the Federal Reserve System (other than a national
    bank), branch or agency of a foreign bank (other than a Federal branch, Federal agency, and insured State branch…'
  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.) § 2804
    source_class: usc-statute-lii
    source_url: https://www.law.cornell.edu/uscode/text/12/2804
    snapshot_id: 0400e92999712e8a
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:986d21e89cd241252f7ad5eaee614baca5664879fb978c09937fd7ce5959cd9f
    paragraph_quote: (i) any national bank or Federal savings association, and any Federal branch or Federal agency
      of a foreign bank; (ii) any member bank of the Federal Reserve System (other than a national bank), branch
      or agency of a foreign bank (other than a Federal branch, Federal agency, and insured State branch of a foreign
      bank), commercial lending company owned or controlled by a foreign bank, and any organization operating under
      section 25 or 25A of the Federal Reserve Act [ 12 U.S.C. 601 et seq., 611 et seq.]; and (iii) any bank or
      State savings association insured by the Federal Deposit Insurance Corporation (other than a member of the
      Federal Reserve System ), any mutual savings bank as, [1] defined in section 1813(f) of this title , any insured
      State branch of a foreign bank, and any other depository institution not referred to in this paragraph or
      subparagraph (B) or (C); (B) under subtitle E of the Consumer Financial Protection Act of 2010 [ 12 U.S.C.
      5561 et seq.], by the Bureau, with respect to any person subject to this subtitle; [2] (C) under the Federal
      Credit Union Act [ 12 U.S.C. 1751 et seq.], by the Administrator of the National Credit Union Administration
      with respect to any insured credit union; and (D) with respect to other lending institutions , by the Secretary
      of Housing and Urban Development. (2) Incorporated definitions The terms used in paragraph (1) that are not
      defined in this chapter or otherwise defined in section 1813(s) of this title shall have the same meanings
      as in section 3101 of this title .
    drafter_attestation: Verbatim slice of 12 U.S.C. §2804 subsection (i) from Cornell LII snapshot 0400e92999712e8a;
      body isolated between nav and Editorial/Statutory Notes; substring-verified.
  judgment: false
- id: hmda-12usc-2804-c
  canonical_id: hmda-12usc-2804-c
  section: 12 U.S.C. §2804(c)
  description: 'Enforcement — (c): (c) Violations of this chapter deemed violations of certain other provisions
    For the purpose of the exercise by any agency referred to in subsection (b) of its powers under any Act referred
    to in that subsection, a violation of any requirement imposed under this chapter shall be deemed to be a viola…'
  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.) § 2804
    source_class: usc-statute-lii
    source_url: https://www.law.cornell.edu/uscode/text/12/2804
    snapshot_id: 0400e92999712e8a
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:986d21e89cd241252f7ad5eaee614baca5664879fb978c09937fd7ce5959cd9f
    paragraph_quote: (c) Violations of this chapter deemed violations of certain other provisions For the purpose
      of the exercise by any agency referred to in subsection (b) of its powers under any Act referred to in that
      subsection, a violation of any requirement imposed under this chapter shall be deemed to be a violation of
      a requirement imposed under that Act. In addition to its powers under any provision of law specifically referred
      to in subsection (b), each of the agencies referred to in that subsection may exercise, for the purpose of
      enforcing compliance with any requirement imposed under this chapter, any other authority conferred on it
      by law.
    drafter_attestation: Verbatim slice of 12 U.S.C. §2804 subsection (c) from Cornell LII snapshot 0400e92999712e8a;
      body isolated between nav and Editorial/Statutory Notes; substring-verified.
  judgment: false
- id: hmda-12usc-2804-d
  canonical_id: hmda-12usc-2804-d
  section: 12 U.S.C. §2804(d)
  description: 'Enforcement — (d): (d) Overall enforcement authority of the Bureau of Consumer Financial Protection
    Subject to subtitle B of the Consumer Financial Protection Act of 2010 [ 12 U.S.C. 5511 et seq.], enforcement
    of the requirements imposed under this chapter is committed to each of the agencies under subsection (b). To
    …'
  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.) § 2804
    source_class: usc-statute-lii
    source_url: https://www.law.cornell.edu/uscode/text/12/2804
    snapshot_id: 0400e92999712e8a
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:986d21e89cd241252f7ad5eaee614baca5664879fb978c09937fd7ce5959cd9f
    paragraph_quote: (d) Overall enforcement authority of the Bureau of Consumer Financial Protection Subject to
      subtitle B of the Consumer Financial Protection Act of 2010 [ 12 U.S.C. 5511 et seq.], enforcement of the
      requirements imposed under this chapter is committed to each of the agencies under subsection (b). To facilitate
      research, examinations, and enforcement, all data collected pursuant to section 2803 of this title shall be
      available to the entities listed under subsection (b). The Bureau may exercise its authorities under the Consumer
      Financial Protection Act of 2010 to exercise principal authority to examine and enforce compliance by any
      person with the requirements of this chapter. ( Pub. L. 94–200, title III, § 305 , Dec. 31, 1975 , 89 Stat.
      1126 ; Pub. L. 101–73, title VII, § 744(p)(1) , title XII, § 1211(g), Aug. 9, 1989 , 103 Stat. 440 , 526;
      Pub. L. 102–242, title II, § 212(a)(2) , Dec. 19, 1991 , 105 Stat. 2299 ; Pub. L. 111–203, title X, § 1094(1)
      , (4), July 21, 2010 , 124 Stat. 2097 , 2099.) [1] So in original. The comma probably should not appear. [2]
      See References in Text note below.
    drafter_attestation: Verbatim slice of 12 U.S.C. §2804 subsection (d) from Cornell LII snapshot 0400e92999712e8a;
      body isolated between nav and Editorial/Statutory Notes; substring-verified.
  judgment: false
