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.

• § 36 — Branch banks
• § 360 — Receiving checks and drafts on deposit at par; charges for collections, exchange, and clearances
• § 3601 to 3620 — Repealed. Pub. L. 102–550, title IX, § 912(i)(1) , Oct. 28, 1992 , 106 Stat. 3876
• § 361 — Bills receivable, bills of exchange, acceptances; regulations by Board of Governors
• § 362 to 364 — Omitted
• § 37 — Associations governed by chapter
• § 3701 — Findings and purpose
• § 3702 — Definitions
• § 3703 — Applicability
• § 3704 — Foreclosure commissioner; designation, duties, etc.
• § 3705 — Prerequisites to foreclosure
• § 3706 — Notice of default and foreclosure sale; condition and term of sale
• § 3707 — Commencement of foreclosure; powers and duties of foreclosure commissioner or substitute
• § 3708 — Service of notice of default and foreclosure sale
• § 3709 — Presale reinstatement
• § 371 — Real estate loans
• § 3710 — Foreclosure sale
• § 3711 — Foreclosure costs
• § 3712 — Disposition of sale proceeds
• § 3713 — Transfer of title and possession
• § 3714 — Record of foreclosure and sale
• § 3715 — Computation of time
• § 3716 — Separability
• § 3717 — Regulations
• § 371a — Repealed. Pub. L. 111–203, title VI, § 627(a)(1) , July 21, 2010 , 124 Stat. 1640
• § 371b — Rate of interest on time deposits; payment of time deposits before maturity; waiver of notice requirements for withdrawal of savings deposits
• § 371b–1 — Repealed. Pub. L. 96–221, title V, § 529 , Mar. 31, 1980 , 94 Stat. 168
• § 371b–2 — Interbank liabilities
• § 371c — Banking affiliates
• § 371c–1 — Restrictions on transactions with affiliates
• § 371d — Investment in bank premises or stock of corporation holding premises
• § 372 — Bankers’ acceptances
• § 373 — Acceptance of drafts or bills drawn by banks in foreign countries or dependencies of United States for purpose of dollar exchange
• § 374 — Acting as agent for nonmember bank in getting discounts from reserve bank
• § 374a — Acting as agent for nonbanking borrower in making loans on securities to dealers in stocks, bonds, etc.; penalties
• § 375 — [Reserved]
• § 3751 — Findings and purpose
• § 3752 — Definitions
• § 3753 — Applicability
• § 3754 — Designation of foreclosure commissioner
• § 3755 — Prerequisites to foreclosure
• § 3756 — Commencement of foreclosure
• § 3757 — Notice of default and foreclosure sale
• § 3758 — Service of notice of foreclosure sale
• § 3759 — Presale reinstatement
• § 375a — Loans to executive officers of banks
• § 375b — Extensions of credit to executive officers, directors, and principal shareholders of member banks
• § 376 — Rate of interest paid to directors, etc.
• § 3760 — Conduct of sale; adjournment
• § 3761 — Foreclosure costs
• § 3762 — Disposition of sale proceeds
• § 3763 — Transfer of title and possession
• § 3764 — Record of foreclosure and sale
• § 3765 — Effect of sale
• § 3766 — Computation of time
• § 3767 — Severability
• § 3768 — Deficiency judgment
• § 377 — Repealed. Pub. L. 106–102, title I, § 101(a) , Nov. 12, 1999 , 113 Stat. 1341
• § 378 — Dealers in securities engaging in banking business; individuals or associations engaging in banking business; examinations and reports; penalties
• § 38 — The National Bank Act
• § 3801 — Findings and purpose
• § 3802 — Definitions
• § 3803 — Alternative mortgage authority
• § 3804 — Applicability of preemption provisions
• § 3805 — Applicability of consumer protection provisions
• § 3806 — Adjustable rate mortgage caps
• § 39 — Reservation of rights of associations organized under Act of 1863
• § 3901 — Congressional declaration of policy
• § 3902 — Definitions
• § 3903 — Strengthened supervision of international lending
• § 3904 — Reserves
• § 3904a — Additional reserve requirements
• § 3905 — Accounting for fees on international loans
• § 3906 — Collection and disclosure of international lending data
• § 3907 — Capital adequacy
• § 3908 — Foreign loan evaluations
• § 3909 — General authorities
• § 391 — Federal reserve banks as Government depositaries and fiscal agents
• § 3910 — Audit authority of Government Accountability Office
• § 3911 — Equal representation for Federal Deposit Insurance Corporation and the Office of Thrift Supervision
• § 3912 — Repealed. Pub. L. 104–208, div. A, title II, § 2224(c) , Sept. 30, 1996 , 110 Stat. 3009–415
• § 391a — Reimbursement of Federal Reserve Banks
• § 392 — Depositaries of Government funds as confined to banks in Federal reserve system; member banks as depositaries
• § 393 — Federal reserve banks as depositaries for Farm Credit System
• § 394 — Federal reserve banks as depositaries for and fiscal agents of Home Owners’ Loan Corporation
• § 395 — Federal reserve banks as depositaries, custodians and fiscal agents for Commodity Credit Corporation
• § 4 — Deputy Comptrollers
• § 40 — Virgin Islands; extension of National Bank Act
• § 4001 — Definitions
• § 4002 — Expedited funds availability schedules
• § 4003 — Safeguard exceptions
• § 4004 — Disclosure of funds availability policies
• § 4005 — Payment of interest
• § 4006 — Miscellaneous provisions
• § 4007 — Effect on State law
• § 4008 — Regulations and reports by Board
• § 4009 — Administrative enforcement
• § 4010 — Civil liability
• § 41 — Guam; extension of National Bank Act
• § 4101 — General prepayment limitation
• § 4102 — Notice of intent
• § 4103 — Appraisal and preservation value of eligible low-income housing
• § 4104 — Annual authorized return and preservation rents
• § 4105 — Federal cost limits and limitations on plans of action
• § 4106 — Information from Secretary
• § 4107 — Plan of action
• § 4108 — Prepayment and voluntary termination
• § 4109 — Incentives to extend low-income use
• § 411 — Issuance to reserve banks; nature of obligation; redemption
• § 4110 — Incentives for transfer to qualified purchasers
• § 4111 — Mandatory sale for housing exceeding Federal cost limits
• § 4112 — Criteria for approval of plan of action involving incentives
• § 4113 — Assistance for displaced tenants
• § 4114 — Permissible prepayment or voluntary termination and modification of commitments
• § 4115 — Timetable for approval of plan of action
• § 4116 — Resident homeownership program
• § 4117 — Delegated responsibility to State agencies
• § 4118 — Consultations with other interested parties
• § 4119 — Definitions
• § 412 — Application for notes; collateral required
• § 4120 — Notice to tenants
• § 4121 — Definitions of qualified and priority purchaser and related party rule
• § 4122 — Preemption of State and local laws
• § 4123 — Severability
• § 4124 — Authorization of appropriations
• § 4125 — State preservation project assistance
• § 413 — Distinctive letter and serial number of notes; cancellation of notes unfit for circulation; accounting; apportionment of credit among Federal Reserve banks
• § 414 — Authority of Board of Governors respecting issuance of notes; interest; lien
• § 4141 — Authority
• § 4142 — Purposes
• § 4143 — Grants for building resident capacity and funding predevelopment costs
• § 4144 — Grants for other purposes
• § 4145 — Delivery of assistance through intermediaries
• § 4146 — Definitions
• § 4147 — Funding
• § 415 — Reduction of liability for outstanding notes by depositing notes and collateral and payment of notes of series prior to 1928; reissue of deposited notes
• § 416 — Withdrawal of collateral deposited to protect notes and substitution of other collateral; retirement of notes; payment of notes of series prior to 1928; recovery of collateral; reissue of deposited notes
• § 417 — Custody and safe-keeping of notes issued to and collateral deposited with Reserve agent
• § 418 — Printing of notes; denomination and form
• § 419 — Delivery of notes prior to delivery to banks
• § 42 — Territorial application
• § 420 — Control and direction of plates and dies; expense of issue and retirement of notes paid by banks
• § 4201 — Filing of confidential declarations by private persons
• § 4202 — Contents of declarations
• § 4203 — Confidentiality of declarations
• § 4204 — Ineligibility to file valid declarations
• § 4205 — Rights of declarants; participation in actions, awards
• § 4206 — Rights of declarants; notifications; Government accountability
• § 4207 — Unreviewed declarations; petition to pursue action as private contractor
• § 4208 — Nonreviewability of action by Attorney General
• § 4209 — Repealed. Pub. L. 107–273, div. A, title III, § 301(c)(3) , Nov. 2, 2002 , 116 Stat. 1781
• § 421 — Examination of plates and dies
• § 4210 — Sources of payments to declarants
• § 4211 — Repealed. Pub. L. 105–362, title X, § 1001(e) , Nov. 10, 1998 , 112 Stat. 3291
• § 4212 — Protection for declarants
• § 4213 — Promulgation of regulations
• § 422 — Omitted
• § 4221 — Filing of confidential declarations by private persons identifying specific assets
• § 4222 — Contents of declarations
• § 4223 — Confidentiality of declarations
• § 4224 — Ineligibility to file valid declarations
• § 4225 — Rights of declarants; participation in actions, awards
• § 4226 — Rights of declarants; notifications; Government accountability
• § 4227 — Unreviewed declarations; petition to pursue action as private contractor
• § 4228 — Nonreviewability of action by Attorney Gen­eral
• § 4229 — Protection for declarants
• § 4230 — Promulgation of regulations
• § 4241 — Authority to enter into contracts for private counsel
• § 4242 — Contract decisions nonreviewable
• § 4243 — Representation
• § 4244 — Contract provisions
• § 4245 — Counterclaims
• § 4246 — Awards of costs and fees to prevailing plaintiff
• § 4247 — Promulgation of regulations
• § 43 — Interpretations concerning preemption of certain State laws
• § 4301 — Findings and purpose
• § 4302 — Disclosure of interest rates and terms of accounts
• § 4303 — Account schedule
• § 4304 — Disclosure requirements for certain accounts
• § 4305 — Distribution of schedules
• § 4306 — Payment of interest
• § 4307 — Periodic statements
• § 4308 — Regulations
• § 4309 — Administrative enforcement
• § 4310 — Repealed. Pub. L. 104–208, div. A, title II, § 2604(a) , Sept. 30, 1996 , 110 Stat. 3009–470
• § 4311 — Credit unions
• § 4312 — Effect on State law
• § 4313 — Definitions
• § 4401 — Findings and purpose
• § 4402 — Definitions
• § 4403 — Bilateral netting
• § 4404 — Clearing organization netting
• § 4405 — Preemption
• § 4406 — Relationship to other payments systems
• § 4406a — Treatment of contracts with uninsured national banks, uninsured Federal branches and agencies, certain uninsured State member banks, and Edge Act corporations
• § 4407 — National emergencies
• § 441 to 448 — Omitted
• § 4421, 4422 — Repealed. Pub. L. 111–203, title VII, § 740 , July 21, 2010 , 124 Stat. 1729
• § 4501 — Congressional findings
• § 4502 — Definitions