HMDA (Home Mortgage Disclosure Act, 12 U.S.C.) § 2801 — Congressional findings and declaration of purpose

hmda-12usc-2801

HMDA (Home Mortgage Disclosure Act, 12 U.S.C.), §2801 Congressional findings and declaration of purpose. Captured section-complete from uscode.house.gov (verbatim).

This register: .xlsx .csv

Verbatim regulatory text (4)

Verbatim provisions from HMDA (Home Mortgage Disclosure Act, 12 U.S.C.) § 2801 — Congressional findings and declaration of purpose — each quote is a verified substring of the regulator-published source snapshot, not retyped. Quoted for reference; this is not legal advice. The operational layer (P&P updates, prompts) lives in the regulation update kits.

12 U.S.C. §2801(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 conditions.

Source: HMDA (Home Mortgage Disclosure Act, 12 U.S.C.) § 2801 · source URL · snapshot 2cfac2c2024b598d

12 U.S.C. §2801(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 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.

Source: HMDA (Home Mortgage Disclosure Act, 12 U.S.C.) § 2801 · source URL · snapshot 2cfac2c2024b598d

12 U.S.C. §2801(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.

Source: HMDA (Home Mortgage Disclosure Act, 12 U.S.C.) § 2801 · source URL · snapshot 2cfac2c2024b598d

12 U.S.C. §2801 note — source credit and editorial notes (not statute text)

(Pub. L. 94–200, title III, § 302, Dec. 31, 1975, 89 Stat. 1125.)

Source: 12 U.S.C. §2801 note — source credit and editorial notes (not statute text) · source URL · snapshot 2cfac2c2024b598d

Get this regulation in your AI window

Put the verbatim text and its effective date in front of your assistant, instead of whatever it remembers.

Open in Claude Open in ChatGPT

Open in Claude shows the one-time setup: paste one address, no account with us. Open in ChatGPT asks ChatGPT about this page, with no setup. Either way it’s free.

Get notified if this rule changes

One email when HMDA (Home Mortgage Disclosure Act, 12 U.S.C.) § 2801 — Congressional findings and declaration of purpose changes: what changed, the new verbatim text, and the effective date. Nothing else.

Double opt-in: we send a confirmation link first. Following one section does not subscribe you to anything else. Privacy.

Source of record: https://claudeforcompliance.com/regs/hmda-12usc-2801/ · register hmda-12usc-2801 · verbatim, source-snapshotted regulator text from the Claude for Compliance corpus. To work from every register at once, download the corpus and follow the methodology.