12 U.S.C.
12 U.S.C. — Banks and Banking
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CHAPTER 1-THE COMPTROLLER OF THE CURRENCY§§ 1–16 · 16 sectionsCHAPTER 2-NATIONAL BANKS§§ 21–216d · 106 sectionsSUBCHAPTER I-ORGANIZATION AND GENERAL PROVISIONS§§ 21–43 · 23 sectionsSUBCHAPTER II-CAPITAL, STOCK, AND STOCKHOLDERS§§ 51a–67 · 16 sectionsSUBCHAPTER III-DIRECTORS§§ 71–76 · 7 sectionsSUBCHAPTER IV-REGULATION OF THE BANKING BUSINESS; POWERS AND DUTIES OF NATIONAL BANKS§§ 81–95 · 13 sectionsSUBCHAPTER VI-REDEMPTION AND REPLACEMENT OF CIRCULATING NOTES§§ 121a–122a · 2 sectionsSUBCHAPTER VIII-RESERVE CITIES; LAWFUL RESERVES§§ 142–144 · 3 sectionsSUBCHAPTER X-BANK EXAMINATIONS; REPORTS§§ 161–164 · 2 sectionsSUBCHAPTER XI-MISCELLANEOUS PROVISIONS REGARDING UNITED STATES BONDS IN RELATION TO NATIONAL BANKS§ 177a · 1 sectionSUBCHAPTER XII-VOLUNTARY DISSOLUTION§§ 181–182 · 2 sectionsSUBCHAPTER XIII-RECEIVERSHIP§§ 191–200 · 10 sectionsSUBCHAPTER XIV-BANK CONSERVATION ACT§§ 201–212 · 10 sectionsSUBCHAPTER XV-CONVERSION OF NATIONAL BANKS INTO STATE BANKS§§ 214–214d · 5 sectionsSUBCHAPTER XVI-CONSOLIDATION AND MERGER§§ 215–215a-3 · 7 sectionsSUBCHAPTER XVII-DISPOSITION OF UNCLAIMED PROPERTY RECOVERED FROM CLOSED NATIONAL BANKS§§ 216–216d · 5 sectionsCHAPTER 3-FEDERAL RESERVE SYSTEM§§ 221–522 · 148 sectionsSUBCHAPTER I-DEFINITIONS, ORGANIZATION, AND GENERAL PROVISIONS AFFECTING SYSTEM§§ 221–228 · 11 sectionsSUBCHAPTER II-BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM§§ 241–253 · 17 sectionsSUBCHAPTER III-FEDERAL ADVISORY COUNCIL§§ 261–262 · 2 sectionsSUBCHAPTER IV-FEDERAL OPEN MARKET COMMITTEE§ 263 · 1 sectionSUBCHAPTER V-FEDERAL DEPOSIT INSURANCE CORPORATION§§ 265–266 · 2 sectionsSUBCHAPTER VI-CAPITAL AND STOCK OF FEDERAL RESERVE BANKS; DIVIDENDS AND EARNINGS§§ 281–290 · 9 sectionsSUBCHAPTER VII-DIRECTORS OF FEDERAL RESERVE BANKS; RESERVE AGENTS AND ASSISTANTS§§ 301–308 · 8 sectionsSUBCHAPTER VIII-STATE BANKS AS MEMBERS OF SYSTEM§§ 321–339a · 20 sectionsSUBCHAPTER IX-POWERS AND DUTIES OF FEDERAL RESERVE BANKS§§ 341–361 · 26 sectionsSUBCHAPTER X-POWERS AND DUTIES OF MEMBER BANKS§§ 371–378 · 14 sectionsSUBCHAPTER XI-DEPOSITARIES AND FISCAL AGENTS§§ 391–395 · 6 sectionsSUBCHAPTER XII-FEDERAL RESERVE NOTES§§ 411–421 · 11 sectionsSUBCHAPTER XIV-BANK RESERVES§§ 461–467 · 6 sectionsSUBCHAPTER XV-BANK EXAMINATIONS§§ 481–486 · 6 sectionsSUBCHAPTER XVI-CIVIL LIABILITY OF FEDERAL RESERVE AND MEMBER BANKS, SHAREHOLDERS, AND OFFICERS§§ 501–506 · 7 sectionsSUBCHAPTER XVII-RESERVE-BANK BRANCHES§§ 521–522 · 2 sectionsCHAPTER 4-TAXATION§§ 531–548 · 3 sectionsSUBCHAPTER I-FEDERAL RESERVE BANKS§ 531 · 1 sectionSUBCHAPTER II-NATIONAL BANK CIRCULATION§ 541 · 1 sectionSUBCHAPTER III-NATIONAL BANK SHARES§ 548 · 1 sectionCHAPTER 5-CRIMES AND OFFENSES§ 582 · 1 sectionSUBCHAPTER I-IN GENERAL§ 582 · 1 sectionCHAPTER 6-FOREIGN BANKING§§ 601–633 · 29 sectionsSUBCHAPTER I-ESTABLISHMENT BY NATIONAL BANKS OF FOREIGN BRANCHES AND INVESTMENTS IN BANKS DOING FOREIGN BUSINESS§§ 601–604a · 5 sectionsSUBCHAPTER II-ORGANIZATION OF CORPORATIONS TO DO FOREIGN BANKING§§ 611–633 · 24 sectionsCHAPTER 6A-EXPORT-IMPORT BANK OF THE UNITED STATES§§ 635–635t · 33 sectionsSUBCHAPTER I-GENERAL PROVISIONS§§ 635–635i-9 · 22 sectionsSUBCHAPTER II-EXPORT FINANCING§§ 635l–635n · 5 sectionsSUBCHAPTER III-TIED AID CREDIT EXPORT SUBSIDIES§§ 635o–635t · 6 sectionsCHAPTER 7A-AGRICULTURAL MARKETING§§ 1141–1141j · 3 sectionsCHAPTER 8-ADJUSTMENT AND CANCELLATION OF FARM LOANS§§ 1150–1150c · 4 sectionsCHAPTER 11-FEDERAL HOME LOAN BANKS§§ 1421–1449 · 34 sectionsCHAPTER 11A-FEDERAL HOME LOAN MORTGAGE CORPORATION§§ 1451–1459 · 9 sectionsCHAPTER 12-SAVINGS ASSOCIATIONS§§ 1461–1470 · 18 sectionsCHAPTER 13-NATIONAL HOUSING§§ 1701–1750g · 222 sections (57 directly here)SUBCHAPTER I-HOUSING RENOVATION AND MODERNIZATION§§ 1702–1706f · 7 sectionsSUBCHAPTER II-MORTGAGE INSURANCE§§ 1707–1715z-25 · 65 sectionsSUBCHAPTER III-NATIONAL MORTGAGE ASSOCIATIONS§§ 1716–1723i · 14 sectionsSUBCHAPTER V-MISCELLANEOUS§§ 1731a–1735f-20 · 35 sectionsSUBCHAPTER VI-WAR HOUSING INSURANCE§§ 1736–1746a · 10 sectionsSUBCHAPTER VII-INSURANCE FOR INVESTMENTS IN RENTAL HOUSING FOR FAMILIES OF MODERATE INCOME§§ 1747–1747k · 12 sectionsSUBCHAPTER VIII-ARMED SERVICES HOUSING MORTGAGE INSURANCE§§ 1748–1748h-3 · 9 sectionsSUBCHAPTER IX-HOUSING FOR EDUCATIONAL INSTITUTIONS§ 1749d · 1 section
SUBCHAPTER IX–B-MORTGAGE INSURANCE FOR GROUP PRACTICE FACILITIES AND MEDICAL PRACTICE FACILITIES§§ 1749aaa–1749aaa–5 · 6 sections
SUBCHAPTER X-NATIONAL DEFENSE HOUSING INSURANCE§§ 1750–1750g · 6 sectionsCHAPTER 14-FEDERAL CREDIT UNIONS§§ 1751–1795k · 65 sections (1 directly here)SUBCHAPTER I-GENERAL PROVISIONS§§ 1752–1775 · 36 sectionsSUBCHAPTER II-SHARE INSURANCE§§ 1781–1790e · 16 sectionsSUBCHAPTER III-CENTRAL LIQUIDITY FACILITY§§ 1795–1795k · 12 sectionsCHAPTER 16-FEDERAL DEPOSIT INSURANCE CORPORATION§§ 1811–1835a · 69 sectionsCHAPTER 17-BANK HOLDING COMPANIES§§ 1841–1852 · 12 sectionsCHAPTER 18-BANK SERVICE COMPANIES§§ 1861–1867 · 7 sectionsCHAPTER 19-SECURITY MEASURES FOR BANKS AND SAVINGS ASSOCIATIONS§§ 1881–1884 · 4 sectionsCHAPTER 21-FINANCIAL RECORDKEEPING§§ 1951–1960 · 10 sectionsCHAPTER 22-TYING ARRANGEMENTS§§ 1971–1978 · 8 sectionsCHAPTER 23-FARM CREDIT SYSTEM§§ 2001–2279aa-14 · 177 sections (2 directly here)SUBCHAPTER I-FARM CREDIT BANKS§§ 2011–2023 · 13 sectionsSUBCHAPTER II-FARM CREDIT ASSOCIATIONS§§ 2071–2098 · 15 sectionsPart A-Production Credit Associations§§ 2071–2077 · 8 sectionsPart B-Federal Land Bank Associations§§ 2091–2098 · 7 sectionsSUBCHAPTER III-BANKS FOR COOPERATIVES§§ 2121–2149 · 22 sectionsPart A-Banks for Cooperatives§§ 2121–2134 · 14 sectionsPart B-National Banks for Cooperatives§§ 2141–2149 · 8 sectionsSUBCHAPTER IV-PROVISIONS APPLICABLE TO TWO OR MORE CLASSES OF INSTITUTIONS OF THE SYSTEM§§ 2153–2219e · 37 sectionsPart A-Funding§§ 2153–2162 · 9 sectionsPart B-Dissolution§§ 2183–2184 · 2 sectionsPart C-Rights of Borrowers; Loan Restructuring§§ 2199–2202e · 8 sectionsPart D-Activities of Institutions of the System§§ 2203–2208 · 6 sectionsPart E-Service Organizations§§ 2211–2214a · 5 sectionsPart F-Sale of Insurance§ 2218 · 1 sectionPart G-Miscellaneous§§ 2219–2219e · 6 sectionsSUBCHAPTER V-FARM CREDIT ADMINISTRATION ORGANIZATION§§ 2241–2277a-14 · 53 sectionsPart B-Farm Credit Administration Organization§§ 2241–2259 · 18 sectionsPart C-Enforcement Powers of Farm Credit Administration§§ 2261–2274 · 16 sectionsPart D-Miscellaneous§§ 2275a–2276 · 2 sectionsPart E-Farm Credit System Insurance Corporation§§ 2277a–2277a-14 · 17 sectionsSUBCHAPTER VII-RESTRUCTURING OF SYSTEM INSTITUTIONS§§ 2279a–2279g · 13 sectionsPart A-Merger of Banks Within a District§§ 2279a–2279a-3 · 4 sectionsPart B-Mergers, Transfers of Assets, and Powers of Associations Within a District§§ 2279b–2279c-2 · 5 sectionssubpart 1-transfers by federal land banks to federal land bank associations§§ 2279b–2279c · 2 sectionssubpart 4-termination and dissolution of institutions§ 2279d · 1 sectionsubpart 2-merger of like and unlike associations§ 2279c-1 · 1 sectionsubpart 3-reconsideration§ 2279c-2 · 1 sectionPart C-Approval of Disclosure Information and Issuance of Charters by the Farm Credit Administration Board§ 2279e · 1 sectionPart D-Mergers of Like Entities§§ 2279f–2279f-1 · 2 sectionsPart E-Taxation of Merger Transactions§ 2279g · 1 sectionSUBCHAPTER VIII-AGRICULTURAL MORTGAGE SECONDARY MARKET§§ 2279aa–2279aa-14 · 22 sections (1 directly here)Part B-Regulation of Financial Safety and Soundness of Federal Agricultural Mortgage Corporation§§ 2279bb–2279bb-6 · 7 sectionsPart C-Receivership, Conservatorship, and Liquidation of Federal Agricultural Mortgage Corporation§ 2279cc · 1 sectionPart A-Establishment and Activities of Federal Agricultural Mortgage Corporation§§ 2279aa-1–2279aa-14 · 13 sectionsCHAPTER 24-FEDERAL FINANCING BANK§§ 2281–2296 · 18 sectionsCHAPTER 25-NATIONAL COMMISSION ON ELECTRONIC FUND TRANSFERS§§ 2401–2408 · 8 sectionsCHAPTER 26-DISPOSITION OF ABANDONED MONEY ORDERS AND TRAVELER'S CHECKS§§ 2501–2503 · 3 sectionsCHAPTER 27-REAL ESTATE SETTLEMENT PROCEDURES§§ 2601–2617 · 14 sectionsCHAPTER 28-EMERGENCY MORTGAGE RELIEF§§ 2701–2711 · 9 sectionsCHAPTER 29-HOME MORTGAGE DISCLOSURE§§ 2801–2810 · 10 sectionsCHAPTER 30-COMMUNITY REINVESTMENT§§ 2901–2908 · 8 sectionsCHAPTER 31-NATIONAL CONSUMER COOPERATIVE BANK§§ 3001–3051 · 29 sections (1 directly here)SUBCHAPTER I-ESTABLISHMENT AND OPERATION§§ 3011–3026 · 17 sectionsSUBCHAPTER II-OFFICE OF SELF-HELP DEVELOPMENT AND TECHNICAL ASSISTANCE§§ 3041–3051 · 11 sectionsCHAPTER 32-FOREIGN BANK PARTICIPATION IN DOMESTIC MARKETS§§ 3101–3111 · 12 sectionsCHAPTER 33-DEPOSITORY INSTITUTION MANAGEMENT INTERLOCKS§§ 3201–3208 · 8 sectionsCHAPTER 34-FEDERAL FINANCIAL INSTITUTIONS EXAMINATION COUNCIL§§ 3301–3311 · 11 sectionsCHAPTER 34A-APPRAISAL SUBCOMMITTEE OF FEDERAL FINANCIAL INSTITUTIONS EXAMINATION COUNCIL§§ 3331–3356 · 26 sectionsCHAPTER 35-RIGHT TO FINANCIAL PRIVACY§§ 3401–3423 · 22 sectionsCHAPTER 38-MULTIFAMILY MORTGAGE FORECLOSURE§§ 3701–3717 · 17 sectionsCHAPTER 38A-SINGLE FAMILY MORTGAGE FORECLOSURE§§ 3751–3768 · 18 sectionsCHAPTER 39-ALTERNATIVE MORTGAGE TRANSACTIONS§§ 3801–3806 · 6 sectionsCHAPTER 40-INTERNATIONAL LENDING SUPERVISION§§ 3901–3911 · 12 sectionsCHAPTER 41-EXPEDITED FUNDS AVAILABILITY§§ 4001–4010 · 10 sectionsCHAPTER 42-LOW-INCOME HOUSING PRESERVATION AND RESIDENT HOMEOWNERSHIP§§ 4101–4147 · 32 sectionsSUBCHAPTER I-PREPAYMENT OF MORTGAGES INSURED UNDER NATIONAL HOUSING ACT§§ 4101–4125 · 25 sectionsSUBCHAPTER II-TECHNICAL ASSISTANCE AND CAPACITY BUILDING§§ 4141–4147 · 7 sectionsCHAPTER 43-ACTIONS AGAINST PERSONS COMMITTING BANK FRAUD CRIMES§§ 4201–4247 · 28 sectionsSUBCHAPTER I-DECLARATIONS PROVIDING NEW CLAIMS TO UNITED STATES§§ 4201–4213 · 11 sectionsSUBCHAPTER II-DECLARATIONS PROVIDING UNITED STATES WITH NEW INFORMATION CONCERNING RECOVERY OF ASSETS§§ 4221–4230 · 10 sectionsSUBCHAPTER III-USE OF PRIVATE LEGAL RESOURCES§§ 4241–4247 · 7 sectionsCHAPTER 44-TRUTH IN SAVINGS§§ 4301–4313 · 12 sectionsCHAPTER 45-PAYMENT SYSTEM RISK REDUCTION§§ 4401–4407 · 8 sectionsSUBCHAPTER I-BILATERAL AND CLEARING ORGANIZATION NETTING§§ 4401–4407 · 8 sectionsCHAPTER 46-GOVERNMENT SPONSORED ENTERPRISES§§ 4501–4642 · 78 sections (3 directly here)SUBCHAPTER I-SUPERVISION AND REGULATION OF ENTERPRISES§§ 4511–4603 · 50 sectionsPart A-Financial Safety and Soundness Regulator§§ 4511–4528 · 22 sectionsPart B-Additional Authorities of the Director§§ 4541–4588 · 25 sectionssubpart 1-general authority§§ 4541–4548 · 8 sectionssubpart 2-housing goals§§ 4561–4569 · 9 sectionssubpart 3-enforcement§§ 4581–4588 · 8 sectionsPart C-Miscellaneous Provisions§§ 4601–4603 · 3 sectionsSUBCHAPTER II-REQUIRED CAPITAL LEVELS FOR REGULATED ENTITIES, SPECIAL ENFORCEMENT POWERS, AND REVIEWS OF ASSETS AND LIABILITIES§§ 4611–4624 · 11 sectionsSUBCHAPTER III-ENFORCEMENT PROVISIONS§§ 4631–4642 · 14 sectionsCHAPTER 47-COMMUNITY DEVELOPMENT BANKING§§ 4701–4750 · 31 sectionsSUBCHAPTER I-COMMUNITY DEVELOPMENT BANKING AND FINANCIAL INSTITUTIONS§§ 4701–4719 · 21 sectionsSUBCHAPTER II-SMALL BUSINESS CAPITAL ENHANCEMENT§§ 4741–4750 · 10 sectionsCHAPTER 48-FINANCIAL INSTITUTIONS REGULATORY IMPROVEMENT§§ 4801–4809 · 10 sectionsCHAPTER 49-HOMEOWNERS PROTECTION§§ 4901–4910 · 10 sectionsCHAPTER 50-CHECK TRUNCATION§§ 5001–5018 · 18 sectionsCHAPTER 51-SECURE AND FAIR ENFORCEMENT FOR MORTGAGE LICENSING§§ 5101–5117 · 17 sectionsCHAPTER 52-EMERGENCY ECONOMIC STABILIZATION§§ 5201–5261 · 42 sections (2 directly here)SUBCHAPTER I-TROUBLED ASSETS RELIEF PROGRAM§§ 5211–5241 · 36 sectionsSUBCHAPTER II-BUDGET-RELATED PROVISIONS§§ 5251–5253 · 3 sectionsSUBCHAPTER III-TAX PROVISIONS§ 5261 · 1 sectionCHAPTER 53-WALL STREET REFORM AND CONSUMER PROTECTION§§ 5301–5641 · 144 sections (3 directly here)SUBCHAPTER I-FINANCIAL STABILITY§§ 5311–5374 · 36 sections (1 directly here)Part A-Financial Stability Oversight Council§§ 5321–5335 · 15 sectionsPart B-Office of Financial Research§§ 5341–5346 · 6 sectionsPart C-Additional Board of Governors Authority for Certain Nonbank Financial Companies and Bank Holding Companies§§ 5361–5374 · 14 sectionsSUBCHAPTER II-ORDERLY LIQUIDATION AUTHORITY§§ 5381–5394 · 14 sectionsSUBCHAPTER III-TRANSFER OF POWERS TO THE COMPTROLLER OF THE CURRENCY, THE CORPORATION, AND THE BOARD OF GOVERNORS§§ 5401–5452 · 17 sections (2 directly here)Part A-Transfer of Powers and Duties§§ 5411–5416 · 6 sectionsPart B-Transitional Provisions§§ 5431–5437 · 7 sectionsPart C-Other Matters§§ 5451–5452 · 2 sectionsSUBCHAPTER IV-PAYMENT, CLEARING, AND SETTLEMENT SUPERVISION§§ 5461–5472 · 12 sectionsSUBCHAPTER V-BUREAU OF CONSUMER FINANCIAL PROTECTION§§ 5481–5603 · 49 sections (1 directly here)Part A-Bureau of Consumer Financial Protection§§ 5491–5499 · 11 sectionsPart B-General Powers of the Bureau§§ 5511–5519 · 9 sectionsPart C-Specific Bureau Authorities§§ 5531–5538 · 8 sectionsPart D-Preservation of State Law§§ 5551–5553 · 3 sectionsPart E-Enforcement Powers§§ 5561–5567 · 7 sectionsPart F-Transfer of Functions and Personnel; Transitional Provisions§§ 5581–5587 · 7 sectionsPart G-Regulatory Improvements§§ 5601–5603 · 3 sectionsSUBCHAPTER VI-FEDERAL RESERVE SYSTEM PROVISIONS§§ 5611–5614 · 4 sectionsSUBCHAPTER VII-IMPROVING ACCESS TO MAINSTREAM FINANCIAL INSTITUTIONS§§ 5621–5628 · 8 sectionsSUBCHAPTER VIII-MISCELLANEOUS§ 5641 · 1 sectionCHAPTER 54-STATE SMALL BUSINESS CREDIT INITIATIVE§§ 5701–5710 · 10 sectionsCHAPTER 55-ADJUSTABLE INTEREST RATE (LIBOR)§§ 5801–5807 · 7 sectionsCite this legislation
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- 12 U.S.C.
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- govinfo.gov
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BANKS AND BANKING (govinfo.gov, US-Gov-PublicDomain). Retrieved via LawPlayer, https://lawplayer.com/us/act/usc-title-12
This text is synced from govinfo.gov. In case of any discrepancy, the official version prevails.
Text of the U.S. Code 2024 Edition (govinfo), imported 2026-07-04. Amendments enacted after the 2024 Edition are not reflected.
Source: United States Code / CFR (uscode.house.gov, govinfo.gov) — U.S. federal law, public domain (17 U.S.C. § 105).