12 - 1  COMPTROLLER OF THE CURRENCY (§§ 1 to 16) 12 - 1 - 1 Office of the Comptroller of the Currency 12 - 1 - 2 Comptroller of the Currency; appointment; term 12 - 1 - 3 Oath of Comptroller 12 - 1 - 4 Deputy Comptrollers 12 - 1 - 5 Delegation of authority by Comptroller 12 - 1 - 6 Deputy Comptroller for the supervision and examination of Federal savings associations 12 - 1 - 7 Chief of examining division 12 - 1 - 8  Clerks 12 - 1 - 9  Additional examiners, clerks, and other employees 12 - 1 - 10 Salaries of Deputy Comptrollers, examiners, and other employees as part of bank examination expenses 12 - 1 - 11  Interest in national banks 12 - 1 - 12 Seal of Comptroller 12 - 1 - 13 Rooms for Currency Bureau 12 - 1 - 14 Report of Comptroller 12 - 1 - 15 Funding of Office Repealed. Sept. 9, 1959,  Sept. 6, 1966, Aug. 7, 1946,

12 - 2 NATIONAL BANKS (§§ 21 to 216d) 12 - 2 - 1 ORGANIZATION AND GENERAL PROVISIONS (§§ 21 to 43) 12 - 2 - 2 CAPITAL, STOCK, AND STOCKHOLDERS (§§ 51 to 67) 12 - 2 - 3 DIRECTORS (§§ 71 to 78) 12 - 2 - 4 REGULATION OF THE BANKING BUSINESS; POWERS AND DUTIES OF NATIONAL BANKS (§§ 81 to 95a) 12 - 2 - 5  OBTAINING AND ISSUING CIRCULATING NOTES (§ 101) 12 - 2 - 6 REDEMPTION AND REPLACEMENT OF CIRCULATING NOTES (§§ 121 to 127) 12 - 2 - 7 PROCEEDINGS ON FAILURE OF BANK TO REDEEM CIRCULATING NOTES (§ 131) 12 - 2 - 8 RESERVE CITIES; LAWFUL RESERVES (§§ 141 to 145) 12 - 2 - 9 FORMATION OF ASSOCIATIONS TO ISSUE GOLD NOTES (§ 151) 12 - 2 - 10 BANK EXAMINATIONS; REPORTS (§§ 161 to 165) 12 - 2 - 11 MISCELLANEOUS PROVISIONS REGARDING UNITED STATES BONDS IN RELATION TO NATIONAL BANKS (§§ 168 to 178) 12 - 2 - 12 VOLUNTARY DISSOLUTION (§§ 181 to 183) 12 - 2 - 13 RECEIVERSHIP (§§ 191 to 200) 12 - 2 - 14 BANK CONSERVATION ACT (§§ 201 to 213) 12 - 2 - 15 CONVERSION OF NATIONAL BANKS INTO STATE BANKS (§§ 214 to 214d) 12 - 2 - 16 CONSOLIDATION AND MERGER (§§ 215 to 215c) 12 - 2 - 17 DISPOSITION OF UNCLAIMED PROPERTY RECOVERED FROM CLOSED NATIONAL BANKS (§§ 216 to 216d)

12 - 3 FEDERAL RESERVE SYSTEM (§§ 221 to 522) 12 - 3 - 1 DEFINITIONS, ORGANIZATION, AND GENERAL PROVISIONS AFFECTING SYSTEM (§§ 221 to 228) 12 - 3 - 2  BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (§§ 241 to 252) 12 - 3 - 3 FEDERAL ADVISORY COUNCIL (§§ 261 to 262) 12 - 3 - 4 FEDERAL OPEN MARKET COMMITTEE (§ 263) 12 - 3 - 5  FEDERAL DEPOSIT INSURANCE CORPORATION (§§ 264 to 266) 12 - 3 - 6 CAPITAL AND STOCK OF FEDERAL RESERVE BANKS; DIVIDENDS AND EARNINGS (§§ 281 to 290) 12 - 3 - 7 DIRECTORS OF FEDERAL RESERVE BANKS; RESERVE AGENTS AND ASSISTANTS (§§ 301 to 308) 12 - 3 - 8 STATE BANKS AS MEMBERS OF SYSTEM (§§ 321 to 339a) 12 - 3 - 9  POWERS AND DUTIES OF FEDERAL RESERVE BANKS (§§ 341 to 362) 12 - 3 - 10 POWERS AND DUTIES OF MEMBER BANKS (§§ 371 to 378) 12 - 3 - 11 DEPOSITARIES AND FISCAL AGENTS (§§ 391 to 395) 12 - 3 - 12 FEDERAL RESERVE NOTES (§§ 411 to 422) 12 - 3 - 13 CIRCULATING NOTES AND BONDS SECURING SAME (§ 441) 12 - 3 - 14 BANK RESERVES (§§ 461 to 467) 12 - 3 - 15 BANK EXAMINATIONS (§§ 481 to 486) 12 - 3 - 16 CIVIL LIABILITY OF FEDERAL RESERVE AND MEMBER BANKS, SHAREHOLDERS, AND OFFICERS (§§ 501 to 506) 12 - 3 - 17 RESERVE-BANK BRANCHES (§§ 521 to 522)

12 - 4 TAXATION (§§ 531 to 561) 12 - 4 - 1 FEDERAL RESERVE BANKS (§ 531) 12 - 4 - 2 NATIONAL BANK CIRCULATION (§§ 541 to 544) 12 - 4 - 3 NATIONAL BANK SHARES (§ 548) 12 - 4 - 4 STATE BANK CIRCULATION (§ 561)

12 - 5 CRIMES AND OFFENSES (§§ 581 to 591) 12 - 5 - 1  IN GENERAL (§§ 581 to 583) 12 - 5 - 2 FEDERAL RESERVE AND MEMBER BANKS, OFFICERS, EMPLOYEES, AND EXAMINERS (§ 591)

12 - 6 FOREIGN BANKING (§§ 601 to 633) 12 - 6 - 1 ESTABLISHMENT BY NATIONAL BANKS OF FOREIGN BRANCHES AND INVESTMENTS IN BANKS DOING FOREIGN BUSINESS (§§ 601 to 605) 12 - 6 - 2 ORGANIZATION OF CORPORATIONS TO DO FOREIGN BANKING (§§ 611 to 633)

12 - 7 EXPORT-IMPORT BANK OF THE UNITED STATES (§§ 635 to 635t) 12 - 7 - 1 GENERAL PROVISIONS (§§ 635 to 635i-9) 12 - 7 - 2  EXPORT FINANCING (§§ 635j to 635n) 12 - 7 - 3  TIED AID CREDIT EXPORT SUBSIDIES (§§ 635o to 635t)

12 - 8 FARM CREDIT ADMINISTRATION (§§ 636 to 1138f) 12 - 8 - 1 FARM CREDIT ADMINISTRATION; GENERAL ADMINISTRATIVE PROVISIONS (§§ 636 to 640-1) 12 - 8 - 2DISTRICT ORGANIZATIONS UNDER SUPERVISION OF FARM CREDIT ADMINISTRATION; FARM CREDIT DISTRICTS AND FARM CREDIT BOARDS (§ 640a) 12 - 8 - 3 FEDERAL LAND BANKS, JOINT-STOCK LAND BANKS, AND FEDERAL LAND BANK ASSOCIATIONS (§§ 641 to 1012) 12 - 8 - 4 LOANS TO FARMERS BY LAND BANK COMMISSIONER (§§ 1016 to 1017) 12 - 8 - 5 FEDERAL FARM MORTGAGE CORPORATION (§§ 1020 to 1020d) 12 - 8 - 6  LOANS TO FARMERS BY GOVERNOR OF FARM CREDIT ADMINISTRATION (§§ 1020i to 1020o) 12 - 8 - 7 FEDERAL INTERMEDIATE CREDIT BANKS (§§ 1021 to 1129) 12 - 8 - 8 PRODUCTION CREDIT ASSOCIATIONS (§§ 1131 to 1131j) 12 - 8 - 9 REGIONAL BANKS FOR COOPERATIVES AND CENTRAL BANK FOR COOPERATIVES (§§ 1134 to 1134f) 12 - 8 - 10 PROVISIONS COMMON TO PRODUCTION CREDIT ASSOCIATIONS, AND REGIONAL AND CENTRAL BANKS FOR COOPERATIVES (§§ 1138 to 1138f)

12 - 9 AGRICULTURAL MARKETING (§§ 1141 to 1141j) 12 - 9 - 1 Declaration of policy; effective merchandising of agricultural commodities; speculation; cooperative marketing; surpluses; administration of chapterDeclaration of policy; effective merchandising of agricultural commodities; speculation; cooperative marketing; surpluses; administration of chapter 12 - 9 - 2 General powers of Farm Credit Administration 12 - 9 - 3 Special powers of administration 12 - 9 - 4 Revolving fund 12 - 9 - 5  Interest rates on loans made from revolving fund 12 - 9 - 6 Loans to cooperative associations 12 - 9 - 7  Miscellaneous loan provisions 12 - 9 - 8 Avoidance of duplication; cooperation with other governmental establishments; obtaining information and data; cooperation with States, Territories, and agencies or subdivisions thereof; indicating research problems; transfer of offices, functions, etc. 12 - 9 - 9  Examination of books and accounts 12 - 9 - 10 Miscellaneous provisions

12 - 10 REGIONAL AGRICULTURAL CREDIT CORPORATIONS (§§ 1148 to 1148d) 12 - 10 - 1  Regional agricultural credit corporations; creation; capital; management; loans; rediscounts; supervision 12 - 10 - 2 Security for economic disaster and special livestock loans 12 - 10 - 3 Additional powers of regional agricultural credit corporations 12 - 10 - 4 Consolidation or merger 12 - 10 - 5 Rights and powers unaffected by sections 1148b and 1148c Repealed. Dec. 10, 1971,  Aug. 8, 1961,

12 - 11 ADJUSTMENT AND CANCELLATION OF FARM LOANS (§§ 1150 to 1150c) 12 - 11 - 1  Compromise, adjustment, and cancellation of farm loans; conditions; delegation of powers and duties by Secretary of Agriculture 12 - 11 - 2  Farm loans to which chapter is applicable 12 - 11 - 3 Authorization of appropriations 12 - 11 - 4 Self-hauling of hay or other roughages under hay transportation assistance program; liability for or refund of excess payments; availability of funds for payments

12 - 12 NATIONAL AGRICULTURAL CREDIT CORPORATIONS (§§ 1151 to 1322) 12 - 12 - 1  Regional agricultural credit corporations; creation; capital; management; loans; rediscounts; supervision 12 - 12 - 2 Security for economic disaster and special livestock loans 12 - 12 - 3 Additional powers of regional agricultural credit corporations 12 - 12 - 4  Consolidation or merger 12 - 12 - 5  Rights and powers unaffected by sections 1148b and 1148c Repealed. Dec. 10, 1971,  Aug. 8, 1961,

12 - 13 LOCAL AGRICULTURAL-CREDIT CORPORATIONS, LIVESTOCK-LOAN COMPANIES AND LIKE ORGANIZATIONS; LOANS TO INDIVIDUALS TO AID IN FORMATION OR TO INCREASE CAPITAL STOCK (§§ 1401 to 1404) 12 - 13 - 1  Authorization of loans by Governor of Farm Credit Administration; regulations 12 - 13 - 2 Limitations on loans; financial structure of corporation, approval 12 - 13 - 3 Minimum paid-in capital stock required to warrant loans 12 - 13 - 4 Authorization of appropriations; revolving fund

12 - 14 FEDERAL HOME LOAN BANKS (§§ 1421 to 1449) 12 - 14 - 1 Short title 12 - 14 - 2 Definitions 12 - 14 - 3  Federal Home Loan Bank districts; number and boundaries; establishment of Federal Home Loan Banks; names 12 - 14 - 4 Eligibility for membership 12 - 14 - 5 Capital structure of Federal home loan banks 12 - 14 - 6  Exclusion from certain requirements 12 - 14 - 7 Directors 12 - 14 - 8 Examination of State laws, regulations, and procedures; studies of values, etc. 12 - 14 - 9  Eligibility to secure advances 12 - 14 - 10 Advances to members 12 - 14 - 11 Advances to nonmember mortgagee; terms and conditions 12 - 14 - 12 Housing goals 12 - 14 - 13 Powers and duties of banks 12 - 14 - 14 Incorporation of banks; corporate powers; housing project loans 12 - 14 - 15 Exemption from taxation; obligations acceptable as credit on debt of home owner 12 - 14 - 16 Depositaries of public money; financial agents 12 - 14 - 17 Obligations as lawful investments; liability of United States for debentures, etc., issued by banks 12 - 14 - 18 Reserves and dividends; emergency suspensions of requirements 12 - 14 - 19 Nonadministrative expenses; expenses of studies and investigations 12 - 14 - 20 Deposits in special fund; availability for all purposes of Federal Home Loan Bank Board and Federal Home Loan Bank Administration 12 - 14 - 21 Examinations and audits 12 - 14 - 22  Sharing of information among Federal Home Loan Banks 12 - 14 - 23 Financing Corporation 12 - 14 - 24  Definitions 12 - 14 - 25 Authorization for State housing finance agencies and nonprofit entities to purchase mortgage-related assets 12 - 14 - 26 RTC and FDIC properties 12 - 14 - 27 Resolution Funding Corporation established 12 - 14 - 28 Member financial information 12 - 14 - 29 Forms of bank stock and obligations 12 - 14 - 30 Eligibility to membership in banks 12 - 14 - 31 Succession of Federal Home Loan Banks 12 - 14 - 32 Liquidation or reorganization; acquisition of assets by other banks; assumption of liabilities 12 - 14 - 33 Effect of partial invalidity of chapter 12 - 14 - 34 Reservation of right to amend or repeal chapter Repealed & Omitted. July 30, 2008,  Aug. 9, 1989, July 21, 2010, Nov. 12, 1999,

12 - 15  FEDERAL HOME LOAN MORTGAGE CORPORATION (§§ 1451 to 1459) 12 - 15 - 1 Definitions 12 - 15 - 2 Federal Home Loan Mortgage Corporation 12 - 15 - 3  Capitalization of Federal Home Loan Mortgage Corporation 12 - 15 - 4 Purchase and sale of mortgages; residential mortgages; conventional mortgages; terms and conditions of sale or other disposition; authority to enter into, perform, and carry out transactions 12 - 15 - 5 Obligations and securities of the Corporation 12 - 15 - 6  Immunity of Corporation; audits and reporting requirements; data collection; Housing Advisory Council 12 - 15 - 7  Prohibited activities; penalties for violations by organizations, officers and members of organizations, and individuals 12 - 15 - 8 Territorial applicability 12 - 15 - 9  Separability

12 - 16 SAVINGS ASSOCIATIONS (§§ 1461 to 1470) 12 - 16 - 1 Short title 12 - 16 - 2 Definitions 12 - 16 - 3  Administrative provisions 12 - 16 - 4  Supervision of savings associations 12 - 16 - 5 Federal savings associations 12 - 16 - 6 State law preemption standards for Federal savings associations clarified 12 - 16 - 7  Applicability 12 - 16 - 8 District associations 12 - 16 - 9 Examination fees 12 - 16 - 10 Regulation of holding companies 12 - 16 - 11 Intermediate holding companies 12 - 16 - 12 Transactions with affiliates; extensions of credit to executive officers, directors, and principal shareholders 12 - 16 - 13 Advertising 12 - 16 - 14 Powers of examiners 12 - 16 - 15 Separability 12 - 16 - 16 Authority to invest in State housing corporations 12 - 16 - 17 Federal supervision of insured institutions, State member and nonmember banks; access to information; definitions

12 - 17 NATIONAL HOUSING (§§ 1701 to 1750aa) 12 - 17 - 1 Short title 12 - 17 - 2  Short title of amendment of 1938 12 - 17 - 3 Short title of amendment of 1942 12 - 17 - 4 Secretary of Housing and Urban Development 12 - 17 - 5  Exchange and assembly of housing and urban planning and development data; payment of expenses; acceptance of funds, services, facilities, materials, and other donations; approval of Secretary of State for international programs and activities 12 - 17 - 6 Revolving fund in connection with liquidating programs 12 - 17 - 7  Transfer of New Communities Fund assets and liabilities 12 - 17 - 8 Liquidation of New Communities Program; cancellation of debt 12 - 17 - 9 Transfer of rehabilitation loan fund assets and liabilities 12 - 17 - 10 Advisory committees; payment of transportation and other expenses 12 - 17 - 11 Housing for elderly persons advisory committee 12 - 17 - 12 Builder’s certification as to construction 12 - 17 - 13 National Institute of Building Sciences 12 - 17 - 14 Preemption of due-on-sale prohibitions 12 - 17 - 15 Right to redeem property on which United States has lien 12 - 17 - 16 Limitation on interest rates of insured mortgages; terms of sales 12 - 17 - 17 Mortgage proceeds fraudulently misappropriated by mortgagor; recovery of deficiency after foreclosure 12 - 17 - 18 Credit and cancellation of notes transferred from Reconstruction Finance Corporation; net loss computation 12 - 17 - 19  Reduction of vulnerability of congested urban areas to enemy attack 12 - 17 - 20 Annual report of Secretary 12 - 17 - 21 Contents of report to President and Congress 12 - 17 - 22 Periodic report on residential mortgage delinquencies and foreclosures 12 - 17 - 23 Default and foreclosure database 12 - 17 - 24 Supportive housing for the elderly 12 - 17 - 25 Civil money penalties against mortgagors under section 1701q of this title 12 - 17 - 26 Grants for conversion of elderly housing to assisted living facilities and other purposes 12 - 17 - 27 Funds for housing for elderly and persons with disabilities available for cost of maintenance and disposal of such properties 12 - 17 - 28 Congressional findings respecting housing for senior citizens 12 - 17 - 29 Pet ownership in assisted rental housing for the elderly or handicapped 12 - 17 - 30  Rent supplement payments for qualified lower income families 12 - 17 - 31 Congressional affirmation of national goal of decent homes and suitable living environment for American families 12 - 17 - 32 Economic opportunities for low- and very low-income persons 12 - 17 - 33 Congressional findings and declaration for improved architectural design in Government housing programs 12 - 17 - 34  Budget, debt management, and related counseling services for mortgagors; authorization of appropriations 12 - 17 - 35 Assistance with respect to housing for low- and moderate-income families 12 - 17 - 36 Home inspection counseling 12 - 17 - 37 Legal assistance for foreclosure-related issues 12 - 17 - 38 National Homeownership Foundation 12 - 17 - 39 New technologies in the development of housing for lower income families 12 - 17 - 40 Research and demonstrations; authorization of appropriations; continuing availability of funds 12 - 17 - 41  Advanced technologies, methods, and materials for housing construction, rehabilitation, and maintenance 12 - 17 - 42 Experimental housing allowance payment program 12 - 17 - 43 Abandoned properties demonstration proj­ect 12 - 17 - 44  Demonstrations of heating or cooling residential housing utilizing solar energy 12 - 17 - 45 Special housing need research and demonstration authority 12 - 17 - 46 Studies to determine extent of need for counseling to mortgagors; report to Congress 12 - 17 - 47 Energy conservation and renewable-resource demonstration 12 - 17 - 48 Expansion of home ownership opportunities in urban areas 12 - 17 - 49  Model rehabilitation guidelines in inspection and approval of rehabilitated properties; report to Congress 12 - 17 - 50 Biennial survey of economic and housing market conditions 12 - 17 - 51 Management and disposition of multifamily housing projects 12 - 17 - 52 Housing access 12 - 17 - 53 Solar energy for single-family and multifamily housing units 12 - 17 - 54 Lower cost technology demonstration program 12 - 17 - 55  Approval of individual residential water purification or treatment units 12 - 17 - 56 Energy efficient mortgages pilot program 12 - 17 - 57 Increasing access and understanding of energy efficient mortgages 12 - 17 - 58 HOUSING RENOVATION AND MODERNIZATION (§§ 1702 to 1706f) 12 - 17 - 59 MORTGAGE INSURANCE (§§ 1707 to 1715z-25) 12 - 17 - 60  NATIONAL MORTGAGE ASSOCIATIONS (§§ 1716 to 1723i) 12 - 17 - 61 INSURANCE OF SAVINGS AND LOAN ACCOUNTS (§§ 1724 to 1730f) 12 - 17 - 62 MISCELLANEOUS (§§ 1731 to 1735h) 12 - 17 - 63 WAR HOUSING INSURANCE (§§ 1736 to 1746a) 12 - 17 - 64  INSURANCE FOR INVESTMENTS IN RENTAL HOUSING FOR FAMILIES OF MODERATE INCOME (§§ 1747 to 1747l) 12 - 17 - 65 ARMED SERVICES HOUSING MORTGAGE INSURANCE (§§ 1748 to 1748i) 12 - 17 - 66 HOUSING FOR EDUCATIONAL INSTITUTIONS (§§ 1749 to 1749d) 12 - 17 - 67 MORTGAGE INSURANCE FOR LAND DEVELOPMENT AND NEW COMMUNITIES (§ 1749aa) 12 - 17 - 68 MORTGAGE INSURANCE FOR GROUP PRACTICE FACILITIES AND MEDICAL PRACTICE FACILITIES (§§ 1749aaa to 1749aaa-5) 12 - 17 - 69 NATIONAL INSURANCE DEVELOPMENT PROGRAM (§§ 1749bbb to 1749bbb-11) 12 - 17 - 70  NATIONAL DEFENSE HOUSING INSURANCE (§§ 1750 to 1750g) 12 - 17 - 71 VOLUNTARY HOME MORTGAGE CREDIT (§ 1750aa) Repealed. Sept. 6, 1966, May 25, 1967, Dec. 31, 1970, Aug. 2, 1954,

12 - 18  FEDERAL CREDIT UNIONS (§§ 1751 to 1795k) 12 - 18 - 1 Short title 12 - 18 - 2 GENERAL PROVISIONS (§§ 1752 to 1775) 12 - 18 - 3 SHARE INSURANCE (§§ 1781 to 1790e) 12 - 18 - 4  CENTRAL LIQUIDITY FACILITY (§§ 1795 to 1795k) Omitted

12 - 19 FEDERAL LOAN AGENCY (§ 1801) Omitted

12 - 20 FEDERAL DEPOSIT INSURANCE CORPORATION (§§ 1811 to 1835a) 12 - 20 - 1  Federal Deposit Insurance Corporation 12 - 20 - 2 Management 12 - 20 - 3 Definitions 12 - 20 - 4 Insured depository institutions 12 - 20 - 5 Deposit insurance 12 - 20 - 6 Factors to be considered 12 - 20 - 7 Assessments 12 - 20 - 8 Termination of status as insured depository institution 12 - 20 - 9 Corporate powers 12 - 20 - 10 Administration of Corporation 12 - 20 - 11 Examination of investment companies 12 - 20 - 12 Insurance Funds 12 - 20 - 13 FSLIC Resolution Fund 12 - 20 - 14 Corporation as receiver 12 - 20 - 15 Corporation monies 12 - 20 - 16  Borrowing authority 12 - 20 - 17  Issuance of notes, debentures, bonds, and other obligations; exemptions 12 - 20 - 18 Forms of obligations; preparation by Secretary of the Treasury 12 - 20 - 19 Reports by Corporation; audit of financial transactions; report on audits; employment of certified public accountants for audits 12 - 20 - 20 Regulations governing insured depository institutions 12 - 20 - 21 Prudential safeguards 12 - 20 - 22 Interagency data sharing 12 - 20 - 23 Penalty for unauthorized participation by convicted individual 12 - 20 - 24 Participation by State nonmember insured banks in lotteries and related activities 12 - 20 - 25 Retention of records by insured depository institutions 12 - 20 - 26 Nondiscrimination 12 - 20 - 27 Separability of certain provisions of this chapter 12 - 20 - 28 Activities of insured State banks 12 - 20 - 29 Disclosures with respect to certain federally related mortgage loans 12 - 20 - 30 Assuring consistent oversight of subsidiaries of holding companies 12 - 20 - 31  State-chartered insured depository institutions and insured branches of foreign banks 12 - 20 - 32 Activities of savings associations 12 - 20 - 33 Brokered deposits 12 - 20 - 34 Contracts between depository institutions and persons providing goods, products, or services 12 - 20 - 35 Agency disapproval of directors and senior executive officers of insured depository institutions or depository institution holding companies 12 - 20 - 36 Depository institution employee protection remedy 12 - 20 - 37 Reward for information leading to recoveries or civil penalties 12 - 20 - 38 Coordination of risk analysis between SEC and Federal banking agencies 12 - 20 - 39 Early identification of needed improvements in financial management 12 - 20 - 40 Reports of information regarding safety and soundness of depository institutions 12 - 20 - 41 Accounting objectives, standards, and requirements 12 - 20 - 42 Prompt corrective action 12 - 20 - 43  Source of strength 12 - 20 - 44 Standards for safety and soundness 12 - 20 - 45 FDIC affordable housing program 12 - 20 - 46 Payments on foreign deposits prohibited 12 - 20 - 47  Notice of branch closure 12 - 20 - 48 Transferred 12 - 20 - 49  Depository institutions lacking Federal deposit insurance 12 - 20 - 50 Interstate bank mergers 12 - 20 - 51  Authority of State insurance regulator and Securities and Exchange Commission 12 - 20 - 52 Safety and soundness firewalls applicable to financial subsidiaries of banks 12 - 20 - 53 Insurance customer protections 12 - 20 - 54 CRA sunshine requirements 12 - 20 - 55  Bi-annual FDIC survey and report on encouraging use of depository institutions by the unbanked 12 - 20 - 56 Enforcement of agreements 12 - 20 - 57  Withdrawals by negotiable or transferable instruments for transfers to third parties 12 - 20 - 58 Civil penalties 12 - 20 - 59 Comparability in compensation schedules 12 - 20 - 60 Comptroller General audit and access to records 12 - 20 - 61 Equal opportunity 12 - 20 - 62 Reduced assessment rate for deposits attributable to lifeline accounts 12 - 20 - 63 Assessment credits for qualifying activities relating to distressed communities 12 - 20 - 64 Community development organizations 12 - 20 - 65 Insured depository institution capital requirements for transfers of small business obligations 12 - 20 - 66 Prohibition against deposit production offices Repealed & Transferred. Dec. 27, 2000, Feb. 15, 2006,  Sept. 30, 1996,  Dec. 19, 1991,

12 - 21 BANK HOLDING COMPANIES (§§ 1841 to 1852) 12 - 21 - 1 Definitions 12 - 21 - 2 Acquisition of bank shares or assets 12 - 21 - 3  Interests in nonbanking organizations 12 - 21 - 4 Administration 12 - 21 - 5 Reservation of rights to States 12 - 21 - 6 Penalties 12 - 21 - 7 Judicial review 12 - 21 - 8 Saving provision 12 - 21 - 9  Acquisition of subsidiary and tying arrangement: Federal Reserve Board proceedings; application for authorization; competitor as party in interest and person aggrieved; judicial review 12 - 21 - 10 Securities holding companies 12 - 21 - 11 Prohibitions on proprietary trading and certain relationships with hedge funds and private equity funds 12 - 21 - 12 Concentration limits on large financial firms Repealed. July 1, 1966,  July 21, 2010,

12 - 22  BANK SERVICE COMPANIES (§§ 1861 to 1867) 12 - 22 - 1 Short title and definitions 12 - 22 - 2 Amount of investment in bank service company 12 - 22 - 3 Permissible bank service company activities for depository institutions 12 - 22 - 4 Permissible bank service company activities for other persons 12 - 22 - 5 Prior approval for investments in bank service companies 12 - 22 - 6 Services to nonstockholders or nonmembers 12 - 22 - 7  Regulation and examination of bank service companies

12 - 23 SECURITY MEASURES FOR BANKS AND SAVINGS ASSOCIATIONS (§§ 1881 to 1884) 12 - 23 - 1 “Federal supervisory agency” defined 12 - 23 - 2 Security measures 12 - 23 - 3  Insurance rates; report to Congress 12 - 23 - 4 Penalties for violations

12 - 24 CREDIT CONTROL (§ 1901) Omitted.

12 - 25 FINANCIAL RECORDKEEPING (§§ 1951 to 1959) 12 - 25 - 1 Congressional findings and declaration of purpose 12 - 25 - 2  Reports on ownership and control 12 - 25 - 3 Recordkeeping and procedures 12 - 25 - 4 Injunctions 12 - 25 - 5 Civil penalties 12 - 25 - 6 Criminal penalty 12 - 25 - 7  Additional criminal penalty in certain cases 12 - 25 - 8 Compliance 12 - 25 - 9 Administrative procedure

12 - 26 TYING ARRANGEMENTS (§§ 1971 to 1978) 12 - 26 - 1 Definitions 12 - 26 - 2 Certain tying arrangements prohibited; correspondent accounts 12 - 26 - 3 Jurisdiction of courts; duty of United States attorneys; equitable proceedings; petition; expedition of cases; temporary restraining orders; bringing in additional parties; subpenas 12 - 26 - 4 Actions by United States; subpenas for witnesses 12 - 26 - 5 Civil actions by persons injured; jurisdiction and venue; amount of recovery 12 - 26 - 6  Injunctive relief for persons against threatened loss or damages; equitable proceedings; preliminary injunctions 12 - 26 - 7  Limitation of actions; suspension of limitations 12 - 26 - 8  Actions under other Federal or State laws unaffected; regulations or orders barred as a defense

12 - 27 FARM CREDIT SYSTEM (§§ 2001 to 2279cc) 12 - 27 - 1  Congressional declaration of policy and objectives 12 - 27 - 2 Farm Credit System 12 - 27 - 3 FARM CREDIT BANKS (§§ 2011 to 2023) 12 - 27 - 4 FARM CREDIT ASSOCIATIONS (§§ 2071 to 2098) 12 - 27 - 5 BANKS FOR COOPERATIVES (§§ 2121 to 2149a) 12 - 27 - 6 PROVISIONS APPLICABLE TO TWO OR MORE CLASSES OF INSTITUTIONS OF THE SYSTEM (§§ 2151 to 2219e) 12 - 27 - 7 FARM CREDIT ADMINISTRATION ORGANIZATION (§§ 2221 to 2277a-14) 12 - 27 - 8  ASSISTANCE TO FARM CREDIT SYSTEM (§§ 2278a to 2278b-11) 12 - 27 - 9 RESTRUCTURING OF SYSTEM INSTITUTIONS (§§ 2279a to 2279g) 12 - 27 - 10 AGRICULTURAL MORTGAGE SECONDARY MARKET (§§ 2279aa to 2279cc)

12 - 28 FEDERAL FINANCING BANK (§§ 2281 to 2296) 12 - 28 - 1 Congressional findings and declaration of purpose 12 - 28 - 2 Definitions 12 - 28 - 3 Creation of Federal Financing Bank 12 - 28 - 4  Board of Directors 12 - 28 - 5 Functions 12 - 28 - 6 Acquisition of obligations involving loan guarantees for New York City 12 - 28 - 7  Approval of financing plans by Secretary of the Treasury 12 - 28 - 8 Initial capital 12 - 28 - 9 Bank obligations 12 - 28 - 10 General powers 12 - 28 - 11 Exemptions 12 - 28 - 12  Preparation of obligations 12 - 28 - 13 Annual report to the President and Congress 12 - 28 - 14 Budget and audit provisions of Government corporation control law applicable 12 - 28 - 15 Payments on behalf of public bodies 12 - 28 - 16 Contracts for periodic payments to offset costs of purchase of obligations of local public housing agencies 12 - 28 - 17 Authority or responsibility under other provisions of law not to be affected or impaired 12 - 28 - 18 Increase not authorized in amounts of obligations issued, sold, or guaranteed by Federal agencies

12 - 29  NATIONAL COMMISSION ON ELECTRONIC FUND TRANSFERS (§§ 2401 to 2408) 12 - 29 - 1 Establishment of Commission 12 - 29 - 2 Membership of Commission 12 - 29 - 3 Functions of Commission 12 - 29 - 4 Powers of Commission 12 - 29 - 5 Executive Director and additional staff personnel; appointment and compensation; experts and consultants; employment and compensation; audits by Comptroller General 12 - 29 - 6 Compensation of members of Commission 12 - 29 - 7 Cooperation and assistance of other Federal departments, agencies, and instrumentalities 12 - 29 - 8  Authorization of appropriations

12 - 30  DISPOSITION OF ABANDONED MONEY ORDERS AND TRAVELER’S CHECKS (§§ 2501 to 2503) 12 - 30 - 1 Congressional findings and declaration of purpose 12 - 30 - 2 Definitions 12 - 30 - 3  State entitlement to escheat or custody

12 - 31 REAL ESTATE SETTLEMENT PROCEDURES (§§ 2601 to 2617) 12 - 31 - 1 Congressional findings and purpose 12 - 31 - 2  Definitions 12 - 31 - 3 Uniform settlement statement 12 - 31 - 4 Home buying information booklets 12 - 31 - 5 Servicing of mortgage loans and administration of escrow accounts 12 - 31 - 6 Exempted transactions 12 - 31 - 7 Prohibition against kickbacks and unearned fees 12 - 31 - 8  Title companies; liability of seller 12 - 31 - 9  Limitation on requirement of advance deposits in escrow accounts 12 - 31 - 10  Prohibition of fees for preparation of truth-in-lending, uniform settlement, and escrow account statements 12 - 31 - 11  Jurisdiction of courts; limitations 12 - 31 - 12 Contracts and liens; validity 12 - 31 - 13  State laws unaffected; inconsistent Federal and State provisions 12 - 31 - 14 Authority of Bureau Repealed. Sept. 30, 1996, 1

12 - 32 EMERGENCY MORTGAGE RELIEF (§§ 2701 to 2712) 12 - 32 - 1 Congressional findings and declaration of purpose 12 - 32 - 2 Mortgages eligible for assistance 12 - 32 - 3 Manner of assistance and repayment 12 - 32 - 4  Insurance for emergency mortgage loans and advances 12 - 32 - 5  Emergency mortgage relief payments 12 - 32 - 6 Emergency Homeowners’ Relief Fund 12 - 32 - 7 Authority of Secretary 12 - 32 - 8 Expiration date 12 - 32 - 9 Nonapplicability of other laws Repealed. July 21, 2010,