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.

• § 5211 — Purchases of troubled assets
• § 5212 — Insurance of troubled assets
• § 5213 — Considerations
• § 5214 — Financial Stability Oversight Board
• § 5215 — Reports
• § 5216 — Rights; management; sale of troubled assets; revenues and sale proceeds
• § 5217 — Contracting procedures
• § 5218 — Conflicts of interest
• § 5219 — Foreclosure mitigation efforts
• § 5219a — Home Affordable Modification Program guidelines
• § 5219b — Public availability of information of Making Home Affordable Program
• § 522 — Federal Reserve branch bank buildings
• § 5220 — Assistance to homeowners
• § 5220a — Application of GSE conforming loan limit to mortgages assisted with TARP funds
• § 5220b — Multifamily mortgage resolution program
• § 5221 — Executive compensation and corporate governance
• § 5222 — Coordination with foreign authorities and central banks
• § 5223 — Minimization of long-term costs and maximization of benefits for taxpayers
• § 5224 — Market transparency
• § 5225 — Graduated authorization to purchase
• § 5226 — Oversight and audits
• § 5227 — Study and report on margin authority
• § 5228 — Funding
• § 5229 — Judicial review and related matters
• § 5230 — Termination of authority
• § 5231 — Special Inspector General for the Troubled Asset Relief Program
• § 5231a — Public-Private Investment Program; additional appropriations for the Special Inspector General for the Troubled Asset Relief Program
• § 5232 — Credit reform
• § 5233 — Congressional Oversight Panel
• § 5234 — Cooperation with the FBI
• § 5235 — Disclosures on exercise of loan authority
• § 5236 — Exchange Stabilization Fund reimbursement
• § 5237 — Authority to suspend mark-to-market accounting
• § 5238 — Study on mark-to-market accounting
• § 5239 — Recoupment
• § 5240 — Preservation of authority
• § 5241 — Temporary increase in deposit and share insurance coverage
• § 5251 — Information for congressional support agencies
• § 5252 — Reports by the Office of Management and Budget and the Congressional Budget Office
• § 5253 — Emergency treatment
• § 5261 — Gain or loss from sale or exchange of certain preferred stock
• § 53 — When capital stock paid in
• § 5301 — Definitions
• § 5302 — Severability
• § 5303 — Antitrust savings clause
• § 531 — Exemption from taxation
• § 5311 — Definitions
• § 5321 — Financial Stability Oversight Council established
• § 5322 — Council authority
• § 5323 — Authority to require supervision and regulation of certain nonbank financial companies
• § 5324 — Registration of nonbank financial companies supervised by the Board of Governors
• § 5325 — Enhanced supervision and prudential standards for nonbank financial companies supervised by the Board of Governors and certain bank holding companies
• § 5326 — Reports
• § 5327 — Treatment of certain companies that cease to be bank holding companies
• § 5328 — Council funding
• § 5329 — Resolution of supervisory jurisdictional disputes among member agencies
• § 5330 — Additional standards applicable to activities or practices for financial stability purposes
• § 5331 — Mitigation of risks to financial stability
• § 5332 — GAO audit of Council
• § 5333 — Study of the effects of size and complexity of financial institutions on capital market efficiency and economic growth
• § 5334 — Data standards
• § 5335 — Open data publication
• § 5341 — Definitions
• § 5342 — Office of Financial Research established
• § 5343 — Purpose and duties of the Office
• § 5344 — Organizational structure; responsibilities of primary programmatic units
• § 5345 — Funding
• § 5346 — Transition oversight
• § 5361 — Reports by and examinations of nonbank financial companies by the Board of Governors
• § 5362 — Enforcement
• § 5363 — Acquisitions
• § 5364 — Prohibition against management interlocks between certain financial companies
• § 5365 — Enhanced supervision and prudential standards for nonbank financial companies supervised by the Board of Governors and certain bank holding companies
• § 5366 — Early remediation requirements
• § 5367 — Affiliations
• § 5368 — Regulations
• § 5369 — Avoiding duplication
• § 5370 — Safe harbor
• § 5371 — Leverage and risk-based capital requirements
• § 5372 — Rule of construction
• § 5373 — International policy coordination
• § 5374 — Rule of construction
• § 5381 — Definitions
• § 5382 — Judicial review
• § 5383 — Systemic risk determination
• § 5384 — Orderly liquidation of covered financial companies
• § 5385 — Orderly liquidation of covered brokers and dealers
• § 5386 — Mandatory terms and conditions for all orderly liquidation actions
• § 5387 — Directors not liable for acquiescing in appointment of receiver
• § 5388 — Dismissal and exclusion of other actions
• § 5389 — Rulemaking; non-conflicting law
• § 5390 — Powers and duties of the Corporation
• § 5391 — Inspector General reviews
• § 5392 — Prohibition of circumvention and prevention of conflicts of interest
• § 5393 — Ban on certain activities by senior executives and directors
• § 5394 — Prohibition on taxpayer funding
• § 54 — Repealed. Pub. L. 86–230, § 5 , Sept. 8, 1959 , 73 Stat. 457
• § 5401 — Purposes
• § 5402 — Definition
• § 541 — Tax on circulating notes generally
• § 5411 — Transfer date
• § 5412 — Powers and duties transferred
• § 5413 — Abolishment
• § 5414 — Savings provisions
• § 5415 — References in Federal law to Federal banking agencies
• § 5416 — Contracting and leasing authority
• § 542 — Omitted
• § 543 — Repealed. Pub. L. 97–258, § 5(b) , Sept. 13, 1982 , 96 Stat. 1068
• § 5431 — Interim use of funds, personnel, and property of the Office of Thrift Supervision
• § 5432 — Transfer of employees
• § 5433 — Property transferred
• § 5434 — Funds transferred
• § 5435 — Disposition of affairs
• § 5436 — Continuation of services
• § 5437 — Implementation plan and reports
• § 544 to 547 — Omitted
• § 5451 — Branching
• § 5452 — Office of Minority and Women Inclusion
• § 5461 — Findings and purposes
• § 5462 — Definitions
• § 5463 — Designation of systemic importance
• § 5464 — Standards for systemically important financial market utilities and payment, clearing, or settlement activities
• § 5465 — Operations of designated financial market utilities
• § 5466 — Examination of and enforcement actions against designated financial market utilities
• § 5467 — Examination of and enforcement actions against financial institutions subject to standards for designated activities
• § 5468 — Requests for information, reports, or records
• § 5469 — Rulemaking
• § 5470 — Other authority
• § 5471 — Consultation
• § 5472 — Common framework for designated clearing entity risk management
• § 548 — State taxation
• § 5481 — Definitions
• § 5491 — Establishment of the Bureau of Consumer Financial Protection
• § 5492 — Executive and administrative powers
• § 5493 — Administration
• § 5494 — Consumer Advisory Board
• § 5495 — Coordination
• § 5496 — Appearances before and reports to Congress
• § 5496a — Annual audits
• § 5496b — GAO study of financial regulations
• § 5497 — Funding; penalties and fines
• § 5498 — Data standards
• § 5499 — Open data publication
• § 55 — Enforcing payment of deficiency in capital stock; assessments; liquidation; receivership
• § 5511 — Purpose, objectives, and functions
• § 5512 — Rulemaking authority
• § 5513 — Review of Bureau regulations
• § 5514 — Supervision of nondepository covered persons
• § 5515 — Supervision of very large banks, savings associations, and credit unions
• § 5516 — Other banks, savings associations, and credit unions
• § 5517 — Limitations on authorities of the Bureau; preservation of authorities
• § 5518 — Authority to restrict mandatory pre-dispute arbitration
• § 5519 — Exclusion for auto dealers
• § 5531 — Prohibiting unfair, deceptive, or abusive acts or practices
• § 5532 — Disclosures
• § 5533 — Consumer rights to access information
• § 5534 — Response to consumer complaints and inquiries
• § 5535 — Private Education Loan Ombudsman
• § 5536 — Prohibited acts
• § 5537 — Senior investor protections
• § 5538 — Mortgage loans; rulemaking procedures; enforcement
• § 5551 — Relation to State law
• § 5552 — Preservation of enforcement powers of States
• § 5553 — Preservation of existing contracts
• § 5561 — Definitions
• § 5562 — Investigations and administrative discovery
• § 5563 — Hearings and adjudication proceedings
• § 5564 — Litigation authority
• § 5565 — Relief available
• § 5566 — Referrals for criminal proceedings
• § 5567 — Employee protection
• § 5581 — Transfer of consumer financial protection functions
• § 5582 — Designated transfer date
• § 5583 — Savings provisions
• § 5584 — Transfer of certain personnel
• § 5585 — Incidental transfers
• § 5586 — Interim authority of the Secretary
• § 5587 — Transition oversight
• § 56 — Prohibition on withdrawal of capital; unearned dividends
• § 5601 — Remittance transfers
• § 5602 — Reverse mortgage study and regulations
• § 5603 — Review, report, and program with respect to exchange facilitators
• § 561 to 570 — Omitted
• § 5611 — Liquidity event determination
• § 5612 — Emergency financial stabilization
• § 5613 — Additional related matters
• § 5614 — Exercise of Federal Reserve authority
• § 5621 — Purpose
• § 5622 — Definitions
• § 5623 — Expanded access to mainstream financial institutions
• § 5624 — Low-cost alternatives to small dollar loans
• § 5625 — Procedural provisions
• § 5626 — Authorization of appropriations
• § 5627 — Regulations
• § 5628 — Evaluation and reports to Congress
• § 5641 — Enhanced compensation structure reporting
• § 57 — Increase of capital by provision in articles of association
• § 5701 — Definitions
• § 5702 — Federal funds allocated to States
• § 5703 — Approving States for participation