Legal corpus: the complete U.S. Code (59,740 sections, all 53 titles)

Ingested titles 12–51 and 54 from OLRC USLM XML @119-100 (the whole Code
now, uniform edition; Title 53 is reserved/empty). LegalText 11,221 ->
59,740; repo total 105,704 records. Deterministic (byte-identical rerun,
verified on Title 42's 8,356 sections); make check green. make
legal-us-code default now covers every title.

Co-Authored-By: Claude Opus 4.8 <noreply@anthropic.com>

legal/us/code/title-12/chapter-51/section-5116.md

@@ -0,0 +1,49 @@
+---
+type: "LegalText"
+title: "12 U.S.C. § 5116"
+description: "Study and reports on defaults and foreclosures"
+jurisdiction: "us"
+corpus: "united_states_code"
+kind: "code_section"
+title_number: 12
+title_name: "BANKS AND BANKING"
+chapter_number: "51"
+chapter_name: "SECURE AND FAIR ENFORCEMENT FOR MORTGAGE LICENSING"
+section: "5116"
+citation: "12 U.S.C. § 5116"
+status: "current"
+release_point: "119-100"
+release_date: "2026-06-26"
+source: "official"
+source_url: "https://uscode.house.gov/download/releasepoints/us/pl/119/100/xml_usc12@119-100.zip"
+source_identifier: "/us/usc/t12/s5116"
+source_file: "data/legal/raw/us/code/title-12/usc12.xml"
+source_hash: "7e8bb6661e82af4aa6a2ffdcc2d08116acd86264ef0961da430ede9dbf0ba918"
+raw_snapshot_hash: "e6b98700ef4156ac33fde5d105824845d727afa91a53f3762be2cf4d1a3b01fa"
+text_hash: "25e7004e40f3e326fb085284dbef4581baeb30a01d76d7a73ff5e6a71b0c76b8"
+retrieved_at: "2026-07-04"
+confidence: "official"
+tags: ["legal", "us-code"]
+---
+
+# 12 U.S.C. § 5116 - Study and reports on defaults and foreclosures
+
+## Text
+
+(a) Study required The Director shall conduct an extensive study of the root causes of default and foreclosure of home loans, using as much empirical data as is available.
+
+(b) Preliminary report to Congress Not later than 6 months after July 30, 2008, the Director shall submit to Congress a preliminary report regarding the study required by this section.
+
+(c) Final report to Congress Not later than 12 months after July 30, 2008, the Director shall submit to Congress a final report regarding the results of the study required by this section, which shall include any recommended legislation relating to the study, and recommendations for best practices and for a process to provide targeted assistance to populations with the highest risk of potential default or foreclosure.
+
+(Pub. L. 110–289, div. A, title V, § 1517, July 30, 2008, 122 Stat. 2824; Pub. L. 111–203, title X, § 1100(3), July 21, 2010, 124 Stat. 2106.)
+
+## Notes
+
+Editorial Notes
+
+Amendments2010—Pub. L. 111–203 substituted “Director” for “Secretary” wherever appearing.
+
+Statutory Notes and Related Subsidiaries
+
+Effective Date of 2010 AmendmentAmendment by Pub. L. 111–203 effective on the designated transfer date, see section 1100H of Pub. L. 111–203, set out as a note under section 552a of Title 5, Government Organization and Employees.