12 U.S.C. § 4543

Current through P.L. 118-106 (published on www.congress.gov on 10/04/2024)
Section 4543 - Public access to mortgage information
(a) Availability
(1) In general

The Director shall make available to the public, in forms useful to the public (including forms accessible by computers), the data submitted by the enterprises in the reports required under section 1723a(m) of this title or section 1456(e) of this title.

(2) Census tract level reporting

Such data shall include the data elements required to be reported under the Home Mortgage Disclosure Act of 1975 [ 12 U.S.C. 2801 et seq.], at the census tract level.

(b) Access
(1) Proprietary data

Except as provided in paragraph (2), the Director may not make available to the public data that the Director determines pursuant to section 4546 of this title are proprietary information.

(2) Exception

The Director shall not restrict access to the data provided in accordance with section 1723a(m)(1)(A) of this title or section 1456(e)(1)(A) of this title or with subsection (a)(2).

(c) Fees

The Director may charge reasonable fees to cover the cost of making data available under this section to the public.

(d) Timing

Data submitted under this section by an enterprise in connection with a provision referred to in subsection (a) shall be made publicly available in accordance with this section not later than September 30 of the year following the year to which the data relates.

12 U.S.C. § 4543

Pub. L. 102-550, title XIII, §13231323,, 106 Stat. 3954; Pub. L. 110-289, div. A, title I, §§1122(a)(1)1126,, 11261126,, 122 Stat. 2689, 2695.

EDITORIAL NOTES

REFERENCES IN TEXTThe Home Mortgage Disclosure Act of 1975, referred to in subsec. (a)(2), is title III of Pub. L. 94-200, Dec. 31, 1975, 89 Stat. 1125, which is classified principally to chapter 29 (§2801 et seq.) of this title. For complete classification of this Act to the Code, see Short Title note set out under section 2801 of this title and Tables.

AMENDMENTS2008- Pub. L. 110-289, §1122(a)(1), substituted "Director" for "Secretary" wherever appearing in subsecs. (a) to (c).Subsec. (a). Pub. L. 110-289, §1126(1), substituted "Availability" for "In general" in subsec. heading, inserted par. (1) designation and heading, and added par. (2). The amendment was executed to reflect the probable intent of Congress, notwithstanding an error in the directory language which did not take into consideration the prior amendment by Pub. L. 110-289, §1122(a)(1). See above.Subsec. (b)(2). Pub. L. 110-289, §1126(2), inserted "or with subsection (a)(2)" before period at end.Subsec. (d). Pub. L. 110-289, §1126(3), added subsec. (d).

Director
The term "Director" means the Director of the Bureau.
enterprise
The term "enterprise" means-(A) the Federal National Mortgage Association and any affiliate thereof; and(B) the Federal Home Loan Mortgage Corporation and any affiliate thereof.