---
type: "LegalText"
title: "12 U.S.C. § 4910"
description: "Construction"
jurisdiction: "us"
corpus: "united_states_code"
kind: "code_section"
title_number: 12
title_name: "BANKS AND BANKING"
chapter_number: "49"
chapter_name: "HOMEOWNERS PROTECTION"
section: "4910"
citation: "12 U.S.C. § 4910"
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/s4910"
source_file: "data/legal/raw/us/code/title-12/usc12.xml"
source_hash: "9eba52ce00ea005e45c176fd67d06d3dd36730359676fd871aca875798ac2002"
raw_snapshot_hash: "e6b98700ef4156ac33fde5d105824845d727afa91a53f3762be2cf4d1a3b01fa"
text_hash: "3de0c9591e0b58e7ed5f599051ebc32c194f43f228930c79e27a1e8a1e5751aa"
retrieved_at: "2026-07-04"
confidence: "official"
tags: ["legal", "us-code"]
---

# 12 U.S.C. § 4910 - Construction

## Text

(a) PMI not required Nothing in this chapter shall be construed to impose any requirement for private mortgage insurance in connection with a residential mortgage transaction.

(b) No preclusion of cancellation or termination agreements Nothing in this chapter shall be construed to preclude cancellation or termination, by agreement between a mortgagor and the holder of the mortgage, of a requirement for private mortgage insurance in connection with a residential mortgage transaction before the cancellation or termination date established by this chapter for the mortgage.

(Pub. L. 105–216, § 11, July 29, 1998, 112 Stat. 908.)

## Notes

Statutory Notes and Related Subsidiaries

Effective DateSection effective 1 year after July 29, 1998, see section 13 of Pub. L. 105–216, set out as a note under section 4901 of this title.