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Fabio 76b8ec33a7 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>
2026-07-06 10:51:44 -04:00

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---
type: "LegalText"
title: "12 U.S.C. § 5013"
description: "Variation by agreement"
jurisdiction: "us"
corpus: "united_states_code"
kind: "code_section"
title_number: 12
title_name: "BANKS AND BANKING"
chapter_number: "50"
chapter_name: "CHECK TRUNCATION"
section: "5013"
citation: "12 U.S.C. § 5013"
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/s5013"
source_file: "data/legal/raw/us/code/title-12/usc12.xml"
source_hash: "dd38248c91b759ffe94b721c70aefba6b72bfac77b847190ccd6057decbff2e9"
raw_snapshot_hash: "e6b98700ef4156ac33fde5d105824845d727afa91a53f3762be2cf4d1a3b01fa"
text_hash: "dbd85498e8947f34ed483f7f92d41dc29d2ef86573350d72ee4fde913ac79808"
retrieved_at: "2026-07-04"
confidence: "official"
tags: ["legal", "us-code"]
---
# 12 U.S.C. § 5013 - Variation by agreement
## Text
(a) Section 5007 Any provision of section 5007 of this title may be varied by agreement of the banks involved.
(b) No other provisions may be varied Except as provided in subsection (a), no provision of this chapter may be varied by agreement of any person or persons.
(Pub. L. 108100, § 14, Oct. 28, 2003, 117 Stat. 1190.)
## Notes
Editorial Notes
References in TextThis chapter, referred to in subsec. (b), was in the original “this Act”, meaning Pub. L. 108100, Oct. 28, 2003, 117 Stat. 1177, which is classified generally to this chapter. For complete classification of this Act to the Code, see Short Title note set out under section 5001 of this title and Tables.
Statutory Notes and Related Subsidiaries
Effective DateSection effective at the end of the 12-month period beginning on Oct. 28, 2003, see section 20 of Pub. L. 108100, set out as a note under section 5001 of this title.