Fabio
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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>
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| LegalText | 12 U.S.C. § 5518 | Authority to restrict mandatory pre-dispute arbitration | us | united_states_code | code_section | 12 | BANKS AND BANKING | 53 | WALL STREET REFORM AND CONSUMER PROTECTION | 5518 | 12 U.S.C. § 5518 | current | 119-100 | 2026-06-26 | official | https://uscode.house.gov/download/releasepoints/us/pl/119/100/xml_usc12@119-100.zip | /us/usc/t12/s5518 | data/legal/raw/us/code/title-12/usc12.xml | 66a130708f89c2273e5f02ab389492fa3089c94af33e628dad4a38bfe95a4f69 | e6b98700ef4156ac33fde5d105824845d727afa91a53f3762be2cf4d1a3b01fa | b407bc6e5ba2c20cd2e844252e6c95291efb606a6ac7932d8d0eebe8baa6a60a | 2026-07-04 | official |
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12 U.S.C. § 5518 - Authority to restrict mandatory pre-dispute arbitration
Text
(a) Study and report The Bureau shall conduct a study of, and shall provide a report to Congress concerning, the use of agreements providing for arbitration of any future dispute between covered persons and consumers in connection with the offering or providing of consumer financial products or services.
(b) Further authority The Bureau, by regulation, may prohibit or impose conditions or limitations on the use of an agreement between a covered person and a consumer for a consumer financial product or service providing for arbitration of any future dispute between the parties, if the Bureau finds that such a prohibition or imposition of conditions or limitations is in the public interest and for the protection of consumers. The findings in such rule shall be consistent with the study conducted under subsection (a).
(c) Limitation The authority described in subsection (b) may not be construed to prohibit or restrict a consumer from entering into a voluntary arbitration agreement with a covered person after a dispute has arisen.
(d) Effective date Notwithstanding any other provision of law, any regulation prescribed by the Bureau under subsection (b) shall apply, consistent with the terms of the regulation, to any agreement between a consumer and a covered person entered into after the end of the 180-day period beginning on the effective date of the regulation, as established by the Bureau.
(Pub. L. 111–203, title X, § 1028, July 21, 2010, 124 Stat. 2003.)
Notes
Statutory Notes and Related Subsidiaries
Effective DateSection effective on the designated transfer date, see section 1029A of Pub. L. 111–203, set out as a note under section 5511 of this title.