Title 12 — Banks and Banking
Title 12 — Banks and Banking is a title of the United States Code. It contains 1996 sections organized into 62 chapters. This title has been enacted into positive law, meaning its text constitutes legal evidence of the law.
National banks, Federal Reserve, FDIC, credit unions, and monetary policy. Covers bank regulation, consumer financial protection, and federal deposit insurance.
Chapter Index
| Chapter | Sections | Description |
|---|---|---|
| 001 | THE COMPTROLLER OF THE CURRENCY | 19 sections |
| 002 | NATIONAL BANKS | 140 sections |
| 003 | FEDERAL RESERVE SYSTEM | 167 sections |
| 004 | TAXATION | 7 sections |
| 005 | CRIMES AND OFFENSES | 4 sections |
| 006 | FOREIGN BANKING | 30 sections |
| 007 | FARM CREDIT ADMINISTRATION | 99 sections |
| 008 | ADJUSTMENT AND CANCELLATION OF FARM LOANS | 4 sections |
| 009 | NATIONAL AGRICULTURAL CREDIT CORPORATIONS | 24 sections |
| 010 | >- | 1 sections |
| 011 | FEDERAL HOME LOAN BANKS | 44 sections |
| 012 | SAVINGS ASSOCIATIONS | 18 sections |
| 013 | NATIONAL HOUSING | 274 sections |
| 014 | FEDERAL CREDIT UNIONS | 69 sections |
| 015 | FEDERAL LOAN AGENCY | 1 sections |
| 016 | FEDERAL DEPOSIT INSURANCE CORPORATION | 75 sections |
| 017 | BANK HOLDING COMPANIES | 14 sections |
| 018 | BANK SERVICE COMPANIES | 7 sections |
| 019 | SECURITY MEASURES FOR BANKS AND SAVINGS ASSOCIATIONS | 4 sections |
| 020 | CREDIT CONTROL | 1 sections |
| 021 | FINANCIAL RECORDKEEPING | 10 sections |
| 022 | TYING ARRANGEMENTS | 8 sections |
| 023 | FARM CREDIT SYSTEM | 201 sections |
| 024 | FEDERAL FINANCING BANK | 18 sections |
| 025 | NATIONAL COMMISSION ON ELECTRONIC FUND TRANSFERS | 8 sections |
| 026 | DISPOSITION OF ABANDONED MONEY ORDERS AND TRAVELER’S CHECKS | 3 sections |
| 027 | REAL ESTATE SETTLEMENT PROCEDURES | 15 sections |
| 028 | EMERGENCY MORTGAGE RELIEF | 11 sections |
| 029 | HOME MORTGAGE DISCLOSURE | 11 sections |
| 030 | COMMUNITY REINVESTMENT | 8 sections |
| 031 | NATIONAL CONSUMER COOPERATIVE BANK | 29 sections |
| 032 | FOREIGN BANK PARTICIPATION IN DOMESTIC MARKETS | 12 sections |
| 033 | DEPOSITORY INSTITUTION MANAGEMENT INTERLOCKS | 8 sections |
| 034 | FEDERAL FINANCIAL INSTITUTIONS EXAMINATION COUNCIL | 11 sections |
| 035 | RIGHT TO FINANCIAL PRIVACY | 23 sections |
| 036 | DEPOSITORY INSTITUTIONS DEREGULATION AND FINANCIAL REGULATION SIMPLIFICATION | 2 sections |
| 037 | SOLAR ENERGY AND ENERGY CONSERVATION BANK | 1 sections |
| 038 | MULTIFAMILY MORTGAGE FORECLOSURE | 17 sections |
| 039 | ALTERNATIVE MORTGAGE TRANSACTIONS | 6 sections |
| 040 | INTERNATIONAL LENDING SUPERVISION | 13 sections |
| 041 | EXPEDITED FUNDS AVAILABILITY | 10 sections |
| 042 | LOW-INCOME HOUSING PRESERVATION AND RESIDENT HOMEOWNERSHIP | 32 sections |
| 043 | ACTIONS AGAINST PERSONS COMMITTING BANK FRAUD CRIMES | 30 sections |
| 044 | TRUTH IN SAVINGS | 13 sections |
| 045 | PAYMENT SYSTEM RISK REDUCTION | 9 sections |
| 046 | GOVERNMENT SPONSORED ENTERPRISES | 80 sections |
| 047 | COMMUNITY DEVELOPMENT BANKING | 31 sections |
| 048 | FINANCIAL INSTITUTIONS REGULATORY IMPROVEMENT | 10 sections |
| 049 | HOMEOWNERS PROTECTION | 10 sections |
| 050 | CHECK TRUNCATION | 18 sections |
| 051 | SECURE AND FAIR ENFORCEMENT FOR MORTGAGE LICENSING | 17 sections |
| 052 | EMERGENCY ECONOMIC STABILIZATION | 42 sections |
| 053 | WALL STREET REFORM AND CONSUMER PROTECTION | 144 sections |
| 054 | STATE SMALL BUSINESS CREDIT INITIATIVE | 10 sections |
| 055 | ADJUSTABLE INTEREST RATE (LIBOR) | 7 sections |
| 056 | REGULATION OF PAYMENT STABLECOINS | 16 sections |
Scope and Organization
Title 12 covers the subject area of banks and banking. The title is organized into 62 chapters, each addressing a specific aspect of the subject. The title contains 1996 individual sections of codified law.
Legal Status
This title has been enacted into positive law, meaning its text constitutes legal evidence of the law. The Office of the Law Revision Counsel maintains the official text of the United States Code.
Source
View the official text: Title 12 on uscode.house.gov