12 CFR § 22.1 - Purpose and scope.

---
identifier: "/us/cfr/t12/s22.1"
source: "ecfr"
legal_status: "authoritative_unofficial"
title: "12 CFR § 22.1 - Purpose and scope."
title_number: 12
title_name: "Banks and Banking"
section_number: "22.1"
section_name: "Purpose and scope."
chapter_name: "COMPTROLLER OF THE CURRENCY, DEPARTMENT OF THE TREASURY"
part_number: "22"
part_name: "LOANS IN AREAS HAVING SPECIAL FLOOD HAZARDS"
positive_law: false
currency: "2026-04-05"
last_updated: "2026-04-05"
format_version: "1.1.0"
generator: "[email protected]"
authority: "12 U.S.C. 93a, 1462a, 1463, 1464, and 5412(b)(2)(B); 42 U.S.C. 4012a, 4104a, 4104b, 4106, and 4128."
regulatory_source: "80 FR 43240, July 21, 2015, unless otherwise noted."
cfr_part: "22"
---


# 22.1 Purpose and scope.

(a) *Purpose.* The purpose of this part is to implement the requirements of the National Flood Insurance Act of 1968 and the Flood Disaster Protection Act of 1973, as amended (42 U.S.C. 4001-4129).

(b) *Scope.* This part, except for §§ 22.6 and 22.8, applies to loans secured by buildings or mobile homes located or to be located in areas determined by the Administrator of the Federal Emergency Management Agency to have special flood hazards. Sections 22.6 and 22.8 apply to loans secured by buildings or mobile homes, regardless of location.