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. § 5116 | Study and reports on defaults and foreclosures | us | united_states_code | code_section | 12 | BANKS AND BANKING | 51 | SECURE AND FAIR ENFORCEMENT FOR MORTGAGE LICENSING | 5116 | 12 U.S.C. § 5116 | 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/s5116 | data/legal/raw/us/code/title-12/usc12.xml | 7e8bb6661e82af4aa6a2ffdcc2d08116acd86264ef0961da430ede9dbf0ba918 | e6b98700ef4156ac33fde5d105824845d727afa91a53f3762be2cf4d1a3b01fa | 25e7004e40f3e326fb085284dbef4581baeb30a01d76d7a73ff5e6a71b0c76b8 | 2026-07-04 | official |
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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.