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Title 12, Banks and BankingRelease 119-110

§5219b Public Availability of Information of Making Home Affordable Program

Title 12 › CHAPTER 52 — EMERGENCY ECONOMIC STABILIZATION › SUBCHAPTER I — TROUBLED ASSETS RELIEF PROGRAM › § 5219b

Last updated Sep 22, 2026|Official source

Summary

The Treasury Secretary must change the rules for the Home Affordable Modification Program so the information collected from participating mortgage servicers and lenders is released to the public. Within 14 days after each month's data is due, the Treasury must post and send Congress a report for each servicer or lender showing how many modification requests it got, how many it processed, how many it approved, and how many it denied. Within 60 days after each month's data is due, the Treasury must post detailed tables with individual records. The Treasury will make rules for how to share those records and must remove or change private details, such as the applicant’s name and ID, to protect privacy.

Full Legal Text

Title 12, §5219b

Banks and Banking, Source: USLM XML via OLRC

(a)Revisions to Program guidelines
The Secretary of the Treasury (in this section referred to as the “Secretary”) shall revise the guidelines for the Home Affordable Modification Program of the Making Home Affordable initiative of the Secretary of the Treasury, authorized under the Emergency Economic Stabilization Act of 2008 (Public Law 110–343) [12 U.S.C. 5201 et seq.], to provide that the data being collected by the Secretary from each mortgage servicer and lender participating in the Program is made public in accordance with subsection (b).
(b)Public availability
Data shall be made available according to the following guidelines:
(1)Not more than 14 days after each monthly deadline for submission of data by mortgage servicers and lenders participating in the Program, reports shall be made publicly available by means of a World Wide Web site of the Secretary, and by submitting a report to the Congress, that shall includes the following information:
(A)The number of requests for mortgage modifications under the Program that the servicer or lender has received.
(B)The number of requests for mortgage modifications under the Program that the servicer or lender has processed.
(C)The number of requests for mortgage modifications under the Program that the servicer or lender has approved.
(D)The number of requests for mortgage modifications under the Program that the servicer or lender has denied.
(2)Not more than 60 days after each monthly deadline for submission of data by mortgage servicers and lenders participating in the Program, the Secretary shall make data tables available to the public at the individual record level. The Secretary shall issue regulations prescribing—
(A)the procedures for disclosing such data to the public; and
(B)such deletions as the Secretary may determine to be appropriate to protect any privacy interest of any mortgage modification applicant, including the deletion or alteration of the applicant’s name and identification number.

Legislative History

Notes & Related Subsidiaries

Editorial Notes

References in Text

The Emergency Economic Stabilization Act of 2008, referred to in subsec. (a), is div. A of Pub. L. 110–343, Oct. 3, 2008, 122 Stat. 3765, which is classified principally to this chapter. For complete classification of this Act to the Code, see

Short Title

note set out under section 5201 of this title and Tables. Codification Section was enacted as part of the Mortgage Reform and Anti-Predatory Lending Act, and also as part of the Dodd-Frank Wall Street Reform and Consumer Protection Act, and not as part of the Emergency Economic Stabilization Act of 2008 which comprises this chapter.

Statutory Notes and Related Subsidiaries

Effective Date

Section effective on the date on which final

Regulations

implementing such section take effect, or on the date that is 18 months after the designated transfer date if such

Regulations

have not been issued by that date, see section 1400(c) of Pub. L. 111–203, set out as an

Effective Date

of 2010 Amendment note under section 1601 of Title 15, Commerce and Trade.

Reference

Citations & Metadata

Citation

12 U.S.C. § 5219b

Title 12, Banks and Banking

Last Updated

Sep 22, 2026

Release point: 119-110