Federal

Title 12 — Banks and Banking

1,996 sections, each with the official text and a plain-English explanation of what it means for you.

• § 1701g–5c — Transfer of rehabilitation loan fund assets and liabilities
• § 1701h — Advisory committees; payment of transportation and other expenses
• § 1701h–1 — Housing for elderly persons advisory committee
• § 1701i, 1701i–1 — Omitted
• § 1701j — Repealed. Aug. 2, 1954, ch. 649 , title VIII, § 813, 68 Stat. 647
• § 1701j–1 — Builder’s certification as to construction
• § 1701j–2 — National Institute of Building Sciences
• § 1701j–3 — Preemption of due-on-sale prohibitions
• § 1701k — Right to redeem property on which United States has lien
• § 1701l — Limitation on interest rates of insured mortgages; terms of sales
• § 1701l–1 — Mortgage proceeds fraudulently misappropriated by mortgagor; recovery of deficiency after foreclosure
• § 1701m — Credit and cancellation of notes transferred from Reconstruction Finance Corporation; net loss computation
• § 1701n — Reduction of vulnerability of congested urban areas to enemy attack
• § 1701o — Annual report of Secretary
• § 1701p — Contents of report to President and Congress
• § 1701p–1 — Periodic report on residential mortgage delinquencies and foreclosures
• § 1701p–2 — Default and foreclosure database
• § 1701q — Supportive housing for the elderly
• § 1701q–1 — Civil money penalties against mortgagors under section 1701q of this title
• § 1701q–2 — Grants for conversion of elderly housing to assisted living facilities and other purposes
• § 1701q–3 — Funds for housing for elderly and persons with disabilities available for cost of maintenance and disposal of such properties
• § 1701r — Congressional findings respecting housing for senior citizens
• § 1701r–1 — Pet ownership in assisted rental housing for the elderly or handicapped
• § 1701s — Rent supplement payments for qualified lower income families
• § 1701t — Congressional affirmation of national goal of decent homes and suitable living environment for American families
• § 1701u — Economic opportunities for low- and very low-income persons
• § 1701v — Congressional findings and declaration for improved architectural design in Government housing programs
• § 1701w — Budget, debt management, and related counseling services for mortgagors; authorization of appropriations
• § 1701x — Assistance with respect to housing for low- and moderate-income families
• § 1701x–1 — Home inspection counseling
• § 1701x–2 — Legal assistance for foreclosure-related issues
• § 1701y — National Homeownership Foundation
• § 1701z — New technologies in the development of housing for lower income families
• § 1701z–1 — Research and demonstrations; authorization of appropriations; continuing availability of funds
• § 1701z–10 — Model rehabilitation guidelines in inspection and approval of rehabilitated properties; report to Congress
• § 1701z–10a — Biennial survey of economic and housing market conditions
• § 1701z–11 — Management and disposition of multifamily housing projects
• § 1701z–12 — Housing access
• § 1701z–13 — Solar energy for single-family and multifamily housing units
• § 1701z–14 — Lower cost technology demonstration program
• § 1701z–15 — Approval of individual residential water purification or treatment units
• § 1701z–16 — Energy efficient mortgages pilot program
• § 1701z–17 — Increasing access and understanding of energy efficient mortgages
• § 1701z–2 — Advanced technologies, methods, and materials for housing construction, rehabilitation, and maintenance
• § 1701z–3 — Experimental housing allowance payment program
• § 1701z–4 — Abandoned properties demonstration proj­ect
• § 1701z–5 — Demonstrations of heating or cooling residential housing utilizing solar energy
• § 1701z–6 — Special housing need research and demonstration authority
• § 1701z–7 — Studies to determine extent of need for counseling to mortgagors; report to Congress
• § 1701z–8 — Energy conservation and renewable-resource demonstration
• § 1701z–9 — Expansion of home ownership opportunities in urban areas
• § 1702 — Administrative provisions
• § 1702a — Repealed. June 28, 1955, ch. 189, § 12(c)(14) , 69 Stat. 182
• § 1703 — Insurance of financial institutions
• § 1704 — Repealed. Apr. 3, 1936, ch. 165, § 2 , 49 Stat. 1188
• § 1705 — Allocation of funds
• § 1706 — Repealed. Aug. 2, 1954, ch. 649 , title VIII, § 802(b), 68 Stat. 642
• § 1706a — Repealed. June 3, 1939, ch. 175, § 3 , 53 Stat. 805
• § 1706b — Taxation of real property held by Secretary
• § 1706c — Insurance of mortgages
• § 1706d — Applicability
• § 1706e — Repealed. Pub. L. 101–625, title II, § 289(b) , Nov. 28, 1990 , 104 Stat. 4128
• § 1706f — Prohibition against kickbacks and unearned fees
• § 1707 — Definitions
• § 1708 — Federal Housing Administration operations
• § 1709 — Insurance of mortgages
• § 1709–1 — Repealed. Pub. L. 98–181, title I [title IV, § 404(a)], Nov. 30, 1983 , 97 Stat. 1208
• § 1709–1a — State constitutional and legal limits upon interest chargeable on loans, mortgages, or other interim financing arrangements; applicability; covered arrangements
• § 1709–2 — Equity skimming; penalty; persons liable; one dwelling exemption
• § 1709a — Determination of loan-to-value ratios
• § 1709b — Repealed. Pub. L. 85–364, § 6 , Apr. 1, 1958 , 72 Stat. 77
• § 1710 — Payment of insurance
• § 1711 — General Surplus and Participating Reserve Accounts
• § 1712 — Investment of funds
• § 1712a — Indexing of FHA multifamily housing loan limits
• § 1713 — Rental housing insurance
• § 1714 — Taxation
• § 1715 — Statistical and economic surveys
• § 1715a — Repealed. June 3, 1939, ch. 175, § 13 , 53 Stat. 807
• § 1715b — Rules and regulations
• § 1715c — Labor standards
• § 1715d — Insurance of mortgages on property in Alaska, Guam, Hawaii, and Virgin Islands
• § 1715e — Cooperative housing insurance
• § 1715f — Process of applications and issuance of commitments
• § 1715g — Insurance of mortgage where mortgagor is not occupant of property
• § 1715h — Repealed. Pub. L. 100–242, title IV, § 401(a)(1) , Feb. 5, 1988 , 101 Stat. 1898
• § 1715i — Repealed. Pub. L. 86–372, title I, § 108 , Sept. 23, 1959 , 73 Stat. 657
• § 1715j — Repealed. Pub. L. 89–117, title XI, § 1108(aa) , Aug. 10, 1965 , 79 Stat. 507
• § 1715k — Rehabilitation and neighborhood conservation housing insurance
• § 1715l — Housing for moderate income and displaced families
• § 1715m — Repealed. Pub. L. 110–289, div. B, title I, § 2120(a)(5) , July 30, 2008 , 122 Stat. 2835
• § 1715n — Miscellaneous mortgage insurance
• § 1715o — Interest rate on debentures; method of establishment
• § 1715p — Insurance of advances under open-end mortgages; payment of charges; eligibility and conditions
• § 1715q — Delivery of statement of appraisal or estimates to home buyers
• § 1715r — Requirement of builder’s cost certification; definitions
• § 1715s — Treatment of mortgages covering tax credit projects
• § 1715t — Voluntary termination of insurance
• § 1715u — Authority to assist mortgagors in default
• § 1715v — Insurance of mortgages for housing for elderly persons
• § 1715w — Mortgage insurance for nursing homes, intermediate care facilities, and board and care homes
• § 1715x — Experimental housing insurance
• § 1715y — Mortgage insurance for condominiums
• § 1715z — Homeownership or membership in cooperative association for lower income families
• § 1715z–1 — Rental and cooperative housing for lower income families
• § 1715z–10 — Repealed. Pub. L. 110–289, div. B, title I, § 2120(a)(7) , July 30, 2008 , 122 Stat. 2835
• § 1715z–11 — Sale to cooperatives of multifamily housing projects acquired by Secretary; acceptance of purchase money mortgage for sale or insurance of mortgage; principal amount of mortgage; expenditures for repairs, etc., prior to sale
• § 1715z–11a — Disposition of HUD-owned properties
• § 1715z–12 — Single-family mortgage insurance on Hawaiian home lands
• § 1715z–13 — Single family mortgage insurance on Indian reservations
• § 1715z–13a — Loan guarantees for Indian housing
• § 1715z–13b — Loan guarantees for Native Hawaiian housing
• § 1715z–14 — Risk-sharing demonstration
• § 1715z–15 — Limitation on prepayment of mortgages on multifamily rental housing
• § 1715z–16 — Adjustable rate single family mortgages
• § 1715z–17 — Shared appreciation mortgages for single family housing
• § 1715z–18 — Shared appreciation mortgages for multifamily housing
• § 1715z–19 — Equity skimming penalty
• § 1715z–1a — Assistance for troubled multifamily housing projects
• § 1715z–1b — Tenant participation in multifamily housing projects
• § 1715z–1c — Regulation of rents in insured projects
• § 1715z–2 — Repealed. Pub. L. 110–289, div. B, title I, § 2120(a)(6) , July 30, 2008 , 122 Stat. 2835
• § 1715z–20 — Insurance of home equity conversion mortgages for elderly homeowners
• § 1715z–21 — Delegation of insuring authority to direct endorsement mortgagees
• § 1715z–22 — Multifamily mortgage credit programs
• § 1715z–22a — Definitions
• § 1715z–23 — HOPE for Homeowners Program
• § 1715z–24 — Pilot program for automated process for borrowers without sufficient credit history
• § 1715z–25 — Mortgage modification data collecting and reporting
• § 1715z–3 — Special Risk Insurance Fund
• § 1715z–4 — Modifications in terms of mortgages covering multifamily projects; requests for extensions to cure defaults or for modification of mortgage terms; regulations
• § 1715z–4a — Double damages remedy for unauthorized use of multifamily housing project assets and income
• § 1715z–5 — Purchase of fee simple title from lessors
• § 1715z–6 — Supplemental loans for multifamily projects
• § 1715z–7 — Mortgage insurance for hospitals
• § 1715z–8 — Mortgage assistance payments for middle-income families
• § 1715z–9 — Co-insurance of eligible mortgage, advance, or loan
• § 1716 — Declaration of purposes of subchapter
• § 1716–1, 1716a — Repealed. Aug. 2, 1954, ch. 649 , title II, § 206, 68 Stat. 622
• § 1716b — Partition of Federal National Mortgage Association into Federal National Mortgage Association and Government National Mortgage Association; assets and liabilities; operations
• § 1717 — Federal National Mortgage Association and Government National Mortgage Association
• § 1717a — Prohibition against sale of obligations by Federal departments and agencies after June 30, 1966 , without compliance with requirements of section 1717(c) of this title or without approval by Secretary of the Treasury; exemption
• § 1718 — Capitalization of Federal National Mortgage Association
• § 1719 — Secondary market operations
• § 1720 — Repealed. Pub. L. 98–181, title I [title IV, § 483(a)], Nov. 30, 1983 , 97 Stat. 1240
• § 1721 — Management and liquidation functions of Government National Mortgage Association
• § 1722 — Benefits and burdens incident to administration of functions and operations under sections 1720 and 1721
• § 1723 — Management
• § 1723a — General powers of Government National Mortgage Association and Federal National Mortgage Association
• § 1723b — Investment of funds
• § 1723c — Obligations, participations, or other instruments as lawful investments; acceptance as security; exempt securities
• § 1723d — Transfer of certain functions to Association
• § 1723e — Repealed. Pub. L. 98–181, title I [title IV, § 483(a)], Nov. 30, 1983 , 97 Stat. 1240
• § 1723f — Repealed. Pub. L. 96–294, title V, § 533 , June 30, 1980 , 94 Stat. 740
• § 1723g, 1723h — Repealed. Pub. L. 102–550, title IX, § 912(i)(2) , Oct. 28, 1992 , 106 Stat. 3876
• § 1723i — Civil money penalties against issuers
• § 1724 to 1730d — Repealed. Pub. L. 101–73, title IV, § 407 , Aug. 9, 1989 , 103 Stat. 363
• § 1730e — Repealed. Pub. L. 96–221, title V, § 529 , Mar. 31, 1980 , 94 Stat. 168
• § 1730f to 1730i — Repealed. Pub. L. 101–73, title IV, § 407 , Aug. 9, 1989 , 103 Stat. 363
• § 1731 — Repealed. June 25, 1948, ch. 645, § 21 , 62 Stat. 862 , eff. Sept. 1, 1948
• § 1731a — Penalties
• § 1731b — Prohibition against transient housing
• § 1732 — Separability
• § 1733 — Application of other laws
• § 1734 — Amendment, extension, or increase of commitment amounts
• § 1735 — Payment of certain funds to Treasury
• § 1735a — Prepayment of mortgages by nonprofit educational institutions; refunds
• § 1735b — Expenditures to correct or reimburse for structural or other major defects in mortgaged homes
• § 1735c — General Insurance Fund
• § 1735d — Payment of insurance benefits in cash or debentures; borrowing money from Treasury to make payments
• § 1735e — Acceptance of materials or products used in structures
• § 1735e–1 — Use of American materials and products
• § 1735f — Water and sewerage facilities
• § 1735f–1 — Waiver of deduction on assignment of property to Secretary in lieu of foreclosure
• § 1735f–10 — Change of mortgagee status
• § 1735f–11 — Review of mortgagee performance and authority to terminate
• § 1735f–12 — Assurance of adequate processing of applications for loan and mortgage insurance
• § 1735f–13 — Prohibition of requirement of minimum principal loan amount
• § 1735f–14 — Civil money penalties against mortgagees, lenders, and other participants in FHA programs
• § 1735f–15 — Civil money penalties against multifamily mortgagors
• § 1735f–16 — Annual audited financial statements
• § 1735f–17 — Examinations and sanctions for certain violations
• § 1735f–18 — Information regarding early defaults and foreclosures on insured mortgages
• § 1735f–19 — Partial payment of claims on defaulted mortgages and in connection with mortgage restructuring
• § 1735f–2 — Uniform rehabilitation standards for housing within and without urban renewal areas
• § 1735f–20 — Authorization of appropriations for General and Special Risk Insurance Funds
• § 1735f–3 — Insurance of mortgage proceeds advanced during construction or rehabilitation or prior to final endorsement of project mortgage
• § 1735f–4 — Minimum property standards
• § 1735f–5 — Prohibition against discrimination on account of sex in extension of mortgage assistance; consideration of combined income of husband and wife for purpose of extending mortgage credit; definitions
• § 1735f–6 — Secondary mortgages held by State or local governmental agency on insured properties
• § 1735f–7 — Exemption from State usury laws; applicability
• § 1735f–7a — State constitution or laws limiting mortgage interest, discount points, and finance or other charges; exemption for obligations made after March 31, 1980
• § 1735f–8 — Time of payment of premium charges
• § 1735f–9 — Limitation on commitments to insure loans and mortgages
• § 1735g — Mortgage relief for homeowners who are unemployed as result of closing of Federal installation
• § 1735h — Repealed. Pub. L. 89–754, title X, § 1013(j) , Nov. 3, 1966 , 80 Stat. 1292
• § 1736 — Definitions
• § 1737 — Repealed. Pub. L. 89–117, title XI, § 1108(aa) , Aug. 10, 1965 , 79 Stat. 507
• § 1738 — Insurance of mortgages
• § 1739 — Mortgage insurance benefits