§4543 — Title 12 Banks and Banking | U.S. Code

§4543 Public access to mortgage information

Title 12 › Chapter CHAPTER 46— - GOVERNMENT SPONSORED ENTERPRISES › Subchapter SUBCHAPTER I— - SUPERVISION AND REGULATION OF ENTERPRISES › Part Part B— - Additional Authorities of the Director › Subpart subpart 1— - general authority › § 4543

Last updated Apr 6, 2026|Official source

Summary

The Director must publish data the companies file under sections 1723a(m) and 1456(e) in formats people and computers can use, including Home Mortgage Disclosure Act (HMDA) data at the census-tract level. Proprietary data under section 4546 may be withheld, but the Director cannot restrict access to the data above. Reasonable fees may be charged. Data must be public by September 30 of the next year.

Title 12, §4543

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(a)(1)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)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)(1)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)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)The Director may charge reasonable fees to cover the cost of making data available under this section to the public.

(d)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.

Notes & Related Subsidiaries

Editorial Notes

References in Text

The 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.

Amendments

2008—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).