---
type: "LegalText"
title: "12 U.S.C. § 3805"
description: "Applicability of consumer protection provisions"
jurisdiction: "us"
corpus: "united_states_code"
kind: "code_section"
title_number: 12
title_name: "BANKS AND BANKING"
chapter_number: "39"
chapter_name: "ALTERNATIVE MORTGAGE TRANSACTIONS"
section: "3805"
citation: "12 U.S.C. § 3805"
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/s3805"
source_file: "data/legal/raw/us/code/title-12/usc12.xml"
source_hash: "ac9cc588017dd871426d151157868a4a1604d167b3ff8aa6ddd71b7beb0b8f63"
raw_snapshot_hash: "e6b98700ef4156ac33fde5d105824845d727afa91a53f3762be2cf4d1a3b01fa"
text_hash: "25362c9bd5a14c4f96bdbff7b2c2e7068f075b078d20a959e911adba46e3aeee"
retrieved_at: "2026-07-04"
confidence: "official"
tags: ["legal", "us-code"]
---

# 12 U.S.C. § 3805 - Applicability of consumer protection provisions

## Text

Section 501(c)(1) of the Depository Institutions Deregulation and Monetary Control Act of 1980 shall not apply to transactions which are subject to this chapter.

(Pub. L. 97–320, title VIII, § 806, Oct. 15, 1982, 96 Stat. 1548.)

## Notes

Editorial Notes

References in TextSection 501(c)(1) of the Depository Institutions Deregulation and Monetary Control Act of 1980, referred to in text, is section 501(c)(1) of Pub. L. 96–221, title V, Mar. 31, 1980, 94 Stat. 161, which is set out as a note under section 1735f–7 of this title.

Statutory Notes and Related Subsidiaries

Effective DateSection effective Oct. 15, 1982, see section 807(a) of Pub. L. 97–320, set out as a note under section 3801 of this title.