Title 12, Chapter 13 — National Housing

Short title

Short title of amendment of 1938

Short title of amendment of 1942

Secretary of Housing and Urban Development

Omitted

Repealed. Pub. L. 89–554, § 8(a), Sept. 6, 1966, 80 Stat. 655

Repealed. Pub. L. 90–19, §§ 6(i), 12(a), May 25, 1967, 81 Stat. 22, 23

Repealed. Pub. L. 91–609, title V, § 503(3), Dec. 31, 1970, 84 Stat. 1785

Exchange and assembly of housing and urban planning and development data; payment of expenses; acceptance of funds, services, facilities, materials, and other donations; approval of Secretary of State for international programs and activities

Repealed. Pub. L. 91–609, title V, § 503(1), Dec. 31, 1970, 84 Stat. 1785

Repealed. Pub. L. 90–19, § 5(c), May 25, 1967, 81 Stat. 21

Omitted

Omitted

Revolving fund in connection with liquidating programs

Transfer of New Communities Fund assets and liabilities

Liquidation of New Communities Program; cancellation of debt

Transfer of rehabilitation loan fund assets and liabilities

Advisory committees; payment of transportation and other expenses

Housing for elderly persons advisory committee

Omitted

Repealed. Aug. 2, 1954, ch. 649, title VIII, § 813, 68 Stat. 647

Builder’s certification as to construction

National Institute of Building Sciences

Preemption of due-on-sale prohibitions

Right to redeem property on which United States has lien

Limitation on interest rates of insured mortgages; terms of sales

Mortgage proceeds fraudulently misappropriated by mortgagor; recovery of deficiency after foreclosure

Credit and cancellation of notes transferred from Reconstruction Finance Corporation; net loss computation

Reduction of vulnerability of congested urban areas to enemy attack

Annual report of Secretary

Contents of report to President and Congress

Periodic report on residential mortgage delinquencies and foreclosures

Default and foreclosure database

Supportive housing for the elderly

Civil money penalties against mortgagors under section 1701q of this title

Grants for conversion of elderly housing to assisted living facilities and other purposes

Funds for housing for elderly and persons with disabilities available for cost of maintenance and disposal of such properties

Congressional findings respecting housing for senior citizens

Pet ownership in assisted rental housing for the elderly or handicapped

Rent supplement payments for qualified lower income families

Congressional affirmation of national goal of decent homes and suitable living environment for American families

Economic opportunities for low- and very low-income persons

Congressional findings and declaration for improved architectural design in Government housing programs

Budget, debt management, and related counseling services for mortgagors; authorization of appropriations

Assistance with respect to housing for low- and moderate-income families

Home inspection counseling

Legal assistance for foreclosure-related issues

National Homeownership Foundation

New technologies in the development of housing for lower income families

Research and demonstrations; authorization of appropriations; continuing availability of funds

Advanced technologies, methods, and materials for housing construction, rehabilitation, and maintenance

Experimental housing allowance payment program

Abandoned properties demonstration proj­ect

Demonstrations of heating or cooling residential housing utilizing solar energy

Special housing need research and demonstration authority

Studies to determine extent of need for counseling to mortgagors; report to Congress

Energy conservation and renewable-resource demonstration

Expansion of home ownership opportunities in urban areas

Model rehabilitation guidelines in inspection and approval of rehabilitated properties; report to Congress

Biennial survey of economic and housing market conditions

Management and disposition of multifamily housing projects

Housing access

Solar energy for single-family and multifamily housing units

Lower cost technology demonstration program

Approval of individual residential water purification or treatment units

Energy efficient mortgages pilot program

Increasing access and understanding of energy efficient mortgages

Administrative provisions

Repealed. June 28, 1955, ch. 189, § 12(c)(14), 69 Stat. 182

Insurance of financial institutions

Repealed. Apr. 3, 1936, ch. 165, § 2, 49 Stat. 1188

Allocation of funds

Repealed. Aug. 2, 1954, ch. 649, title VIII, § 802(b), 68 Stat. 642

Repealed. June 3, 1939, ch. 175, § 3, 53 Stat. 805

Taxation of real property held by Secretary

Insurance of mortgages

Applicability

Repealed. Pub. L. 101–625, title II, § 289(b), Nov. 28, 1990, 104 Stat. 4128

Prohibition against kickbacks and unearned fees

Definitions

Federal Housing Administration operations

Insurance of mortgages

Repealed. Pub. L. 98–181, title I [title IV, § 404(a)], Nov. 30, 1983, 97 Stat. 1208

State constitutional and legal limits upon interest chargeable on loans, mortgages, or other interim financing arrangements; applicability; covered arrangements

Equity skimming; penalty; persons liable; one dwelling exemption

Determination of loan-to-value ratios

Repealed. Pub. L. 85–364, § 6, Apr. 1, 1958, 72 Stat. 77

Payment of insurance

General Surplus and Participating Reserve Accounts

Investment of funds

Indexing of FHA multifamily housing loan limits

Rental housing insurance

Taxation

Statistical and economic surveys

Repealed. June 3, 1939, ch. 175, § 13, 53 Stat. 807

Rules and regulations

Labor standards

Insurance of mortgages on property in Alaska, Guam, Hawaii, and Virgin Islands

Cooperative housing insurance

Process of applications and issuance of commitments

Insurance of mortgage where mortgagor is not occupant of property

Repealed. Pub. L. 100–242, title IV, § 401(a)(1), Feb. 5, 1988, 101 Stat. 1898

Repealed. Pub. L. 86–372, title I, § 108, Sept. 23, 1959, 73 Stat. 657

Repealed. Pub. L. 89–117, title XI, § 1108(aa), Aug. 10, 1965, 79 Stat. 507

Rehabilitation and neighborhood conservation housing insurance

Housing for moderate income and displaced families

Repealed. Pub. L. 110–289, div. B, title I, § 2120(a)(5), July 30, 2008, 122 Stat. 2835

Miscellaneous mortgage insurance

Interest rate on debentures; method of establishment

Insurance of advances under open-end mortgages; payment of charges; eligibility and conditions

Delivery of statement of appraisal or estimates to home buyers

Requirement of builder’s cost certification; definitions

Treatment of mortgages covering tax credit projects

Voluntary termination of insurance

Authority to assist mortgagors in default

Insurance of mortgages for housing for elderly persons

Mortgage insurance for nursing homes, intermediate care facilities, and board and care homes

Experimental housing insurance

Mortgage insurance for condominiums

Homeownership or membership in cooperative association for lower income families

Rental and cooperative housing for lower income families

Assistance for troubled multifamily housing projects

Tenant participation in multifamily housing projects

Regulation of rents in insured projects

Repealed. Pub. L. 110–289, div. B, title I, § 2120(a)(6), July 30, 2008, 122 Stat. 2835

Special Risk Insurance Fund

Modifications in terms of mortgages covering multifamily projects; requests for extensions to cure defaults or for modification of mortgage terms; regulations

Double damages remedy for unauthorized use of multifamily housing project assets and income

Purchase of fee simple title from lessors

Supplemental loans for multifamily projects

Mortgage insurance for hospitals

Mortgage assistance payments for middle-income families

Co-insurance of eligible mortgage, advance, or loan

Repealed. Pub. L. 110–289, div. B, title I, § 2120(a)(7), July 30, 2008, 122 Stat. 2835

Sale to cooperatives of multifamily housing projects acquired by Secretary; acceptance of purchase money mortgage for sale or insurance of mortgage; principal amount of mortgage; expenditures for repairs, etc., prior to sale

Disposition of HUD-owned properties

Single-family mortgage insurance on Hawaiian home lands

Single family mortgage insurance on Indian reservations

Loan guarantees for Indian housing

Loan guarantees for Native Hawaiian housing

Risk-sharing demonstration

Limitation on prepayment of mortgages on multifamily rental housing

Adjustable rate single family mortgages

Shared appreciation mortgages for single family housing

Shared appreciation mortgages for multifamily housing

Equity skimming penalty

Insurance of home equity conversion mortgages for elderly homeowners

Delegation of insuring authority to direct endorsement mortgagees

Multifamily mortgage credit programs

Definitions

HOPE for Homeowners Program

Pilot program for automated process for borrowers without sufficient credit history

Mortgage modification data collecting and reporting

Declaration of purposes of subchapter

Repealed. Aug. 2, 1954, ch. 649, title II, § 206, 68 Stat. 622

Partition of Federal National Mortgage Association into Federal National Mortgage Association and Government National Mortgage Association; assets and liabilities; operations

Federal National Mortgage Association and Government National Mortgage Association

Prohibition against sale of obligations by Federal departments and agencies after June 30, 1966, without compliance with requirements of section 1717(c) of this title or without approval by Secretary of the Treasury; exemption

Capitalization of Federal National Mortgage Association

Secondary market operations

Repealed. Pub. L. 98–181, title I [title IV, § 483(a)], Nov. 30, 1983, 97 Stat. 1240

Management and liquidation functions of Government National Mortgage Association

Benefits and burdens incident to administration of functions and operations under sections 1720 and 1721

Management

General powers of Government National Mortgage Association and Federal National Mortgage Association

Investment of funds

Obligations, participations, or other instruments as lawful investments; acceptance as security; exempt securities

Transfer of certain functions to Association

Repealed. Pub. L. 98–181, title I [title IV, § 483(a)], Nov. 30, 1983, 97 Stat. 1240

Repealed. Pub. L. 96–294, title V, § 533, June 30, 1980, 94 Stat. 740

Repealed. Pub. L. 102–550, title IX, § 912(i)(2), Oct. 28, 1992, 106 Stat. 3876

Civil money penalties against issuers

Repealed. Pub. L. 101–73, title IV, § 407, Aug. 9, 1989, 103 Stat. 363

Repealed. Pub. L. 96–221, title V, § 529, Mar. 31, 1980, 94 Stat. 168

Repealed. Pub. L. 101–73, title IV, § 407, Aug. 9, 1989, 103 Stat. 363

Repealed. June 25, 1948, ch. 645, § 21, 62 Stat. 862, eff. Sept. 1, 1948

Penalties

Prohibition against transient housing

Separability

Application of other laws

Amendment, extension, or increase of commitment amounts

Payment of certain funds to Treasury

Prepayment of mortgages by nonprofit educational institutions; refunds

Expenditures to correct or reimburse for structural or other major defects in mortgaged homes

General Insurance Fund

Payment of insurance benefits in cash or debentures; borrowing money from Treasury to make payments

Acceptance of materials or products used in structures

Use of American materials and products

Water and sewerage facilities

Waiver of deduction on assignment of property to Secretary in lieu of foreclosure

Uniform rehabilitation standards for housing within and without urban renewal areas

Insurance of mortgage proceeds advanced during construction or rehabilitation or prior to final endorsement of project mortgage

Minimum property standards

Prohibition against discrimination on account of sex in extension of mortgage assistance; consideration of combined income of husband and wife for purpose of extending mortgage credit; definitions

Secondary mortgages held by State or local governmental agency on insured properties

Exemption from State usury laws; applicability

State constitution or laws limiting mortgage interest, discount points, and finance or other charges; exemption for obligations made after March 31, 1980

Time of payment of premium charges

Limitation on commitments to insure loans and mortgages

Change of mortgagee status

Review of mortgagee performance and authority to terminate

Assurance of adequate processing of applications for loan and mortgage insurance

Prohibition of requirement of minimum principal loan amount

Civil money penalties against mortgagees, lenders, and other participants in FHA programs

Civil money penalties against multifamily mortgagors

Annual audited financial statements

Examinations and sanctions for certain violations

Information regarding early defaults and foreclosures on insured mortgages

Partial payment of claims on defaulted mortgages and in connection with mortgage restructuring

Authorization of appropriations for General and Special Risk Insurance Funds

Mortgage relief for homeowners who are unemployed as result of closing of Federal installation

Repealed. Pub. L. 89–754, title X, § 1013(j), Nov. 3, 1966, 80 Stat. 1292

Definitions

Repealed. Pub. L. 89–117, title XI, § 1108(aa), Aug. 10, 1965, 79 Stat. 507

Insurance of mortgages

Mortgage insurance benefits

Repealed. Pub. L. 89–117, title XI, § 1108(aa), Aug. 10, 1965, 79 Stat. 507

State taxation of realty held by Secretary

Rules and regulations

Insurance of mortgages

Insurance of loans for manufacture of houses

Insurance of mortgages on sales of Government housing; limits and conditions; Greenbelt towns; State housing

Insurance on mortgages on large-scale housing projects

Termination of commitment authority under this subchapter

Purpose of subchapter; authorization; terms and conditions; expiration of insurance contract

Eligibility for insurance

Premium charges; fees for examination and inspection

Rent schedules

Excess earnings used for amortization of original investment

Financial statements by Secretary

Payment of claims; assignment of benefits by investors

Debentures

Termination of insurance contract by investor

Repealed. Pub. L. 89–117, title XI, § 1108(aa), Aug. 10, 1965, 79 Stat. 507

Taxation of real property

Rules and regulations

Definitions

Definitions

Repealed. Pub. L. 89–117, title XI, § 1108(aa), Aug. 10, 1965, 79 Stat. 507

Insurance of mortgages

Repealed. Pub. L. 89–117, title XI, § 1108(aa), Aug. 10, 1965, 79 Stat. 507

Lease of property; terms and conditions

Mortgages on property in Alaska

Rules and regulations

Cost certification

Omitted

Civilian employees of Armed Forces

Insurance of mortgages for defense housing for impacted areas

Payments in lieu of taxes; limitations; exemption from taxation

Omitted

Repealed. Pub. L. 99–498, title VII, § 702, Oct. 17, 1986, 100 Stat. 1545

Cost of inspections and of providing representatives

Repealed. Pub. L. 101–235, title I, § 133(a), Dec. 15, 1989, 103 Stat. 2027

Insurance of mortgages

Premiums and other charges

Payment of insurance benefits

Regulations

Administration

Definitions

Omitted

Omitted

Omitted

Omitted

Omitted

Definitions

Repealed. Pub. L. 89–117, title XI, § 1108(aa), Aug. 10, 1965, 79 Stat. 507

Omitted

Insurance in critical areas

Mortgage insurance benefits

Repealed. Pub. L. 89–117, title XI, § 1108(aa), Aug. 10, 1965, 79 Stat. 507

Taxation

Rules and regulations

Insurance of additional mortgages

Omitted