US Code

Public Law 119-73 (01/23/2026)

12 U.S.C. § 4309

Administrative enforcement

(a)

In general

12 U.S.C. 5511Subject to subtitle B of the Consumer Financial Protection Act of 2010 [ et seq.], compliance with the requirements imposed under this chapter shall be enforced under—
(1)
12 U.S.C. 181812 U.S.C. 1813(q) section 8 of the Federal Deposit Insurance Act [] by the appropriate Federal banking agency (as defined in section 3(q) of that Act []), with respect to—
(A)
12 U.S.C. 1813(c)(2) insured depository institutions (as defined in section 3(c)(2) of that Act []);
(B)
12 U.S.C. 461(b)(1)(A)12 U.S.C. 1813(c)(2) depository institutions described in clause (i), (ii), or (iii) of section 19(b)(1)(A) of the Federal Reserve Act [] which are not insured depository institutions (as defined in section 3(c)(2) of the Federal Deposit Insurance Act []); and
(C)
12 U.S.C. 461(b)(1)(A)12 U.S.C. 1813(c)(2) depository institutions described in clause (v) or (vi) of section 19(b)(1)(A) of the Federal Reserve Act [] which are not insured depository institutions (as defined in section 3(c)(2) of the Federal Deposit Insurance Act []);
(2)
12 U.S.C. 17511
1 So in original. Probably should be “Board”.
12 U.S.C. 461(b)(1)(A) the Federal Credit Union Act [ et seq.], by the National Credit Union Administration Bureau  in the case of depository institutions described in clause (iv) of section 19(b)(1)(A) of the Federal Reserve Act []; and
(3)
12 U.S.C. 5561 subtitle E of the Consumer Financial Protection Act of 2010 [ et seq.], by the Bureau, with respect to any person subject to this chapter.
(b)

Additional enforcement powers

(1)

Violation of this chapter treated as violation of other Acts

For purposes of the exercise by any agency referred to in subsection (a) of such agency’s powers under any Act referred to in such subsection, a violation of a requirement imposed under this chapter shall be deemed to be a violation of a requirement imposed under that Act.

(2)

Enforcement authority under other Acts

In addition to the powers of any agency referred to in subsection (a) under any provision of law specifically referred to in such subsection, each such agency may exercise, for purposes of enforcing compliance with any requirement imposed under this chapter, any other authority conferred on such agency by law.

(c)

Regulations by agencies other than the Bureau

The authority of the Bureau to issue regulations under this chapter does not impair the authority of any other agency referred to in subsection (a) to make rules regarding its own procedures in enforcing compliance with the requirements imposed under this chapter.

Pub. L. 102–242, title II, § 270105 Stat. 2339Pub. L. 102–550, title XVI, § 1604(e)(2)(I)106 Stat. 4084Pub. L. 111–203, title X, § 1100B(1)124 Stat. 2109(, , ; –(K), (3), (4), , ; , (2), , , 2110.)

Editorial Notes

References in Text

Pub. L. 111–203124 Stat. 1955section 5301 of this titleThe Consumer Financial Protection Act of 2010, referred to in subsec. (a), is title X of , , . Subtitle B of the Act is classified generally to part B (§ 5511 et seq.) of subchapter V of chapter 53 of this title. Subtitle E of the Act is classified generally to part E (§ 5561 et seq.) of subchapter V of chapter 53 of this title. For complete classification of this Act to the Code, see Short Title note set out under and Tables.

act June 26, 1934, ch. 75048 Stat. 1216section 1751 of this titleThe Federal Credit Union Act, referred to in subsec. (a)(2), is , , which is classified generally to chapter 14 (§ 1751 et seq.) of this title. For complete classification of this Act to the Code, see and Tables.

Amendments

Pub. L. 111–203, § 1100B(1)2010—, substituted “Bureau” for “Board” wherever appearing.

Pub. L. 111–203, § 1100B(2)(A)Subsec. (a). , inserted introductory provisions and added par. (1) and struck out former introductory provisions and par. (1) which read as follows: “Compliance with the requirements imposed under this chapter shall be enforced under—

“(1) section 8 of the Federal Deposit Insurance Act—

“(A) by the appropriate Federal banking agency (as defined in section 3(q) of the Federal Deposit Insurance Act) in the case of insured depository institutions (as defined in section 3(c)(2) of such Act);

“(B) by the Federal Deposit Insurance Corporation in the case of depository institutions described in clause (i), (ii), or (iii) of section 19(b)(1)(A) of the Federal Reserve Act which are not insured depository institutions (as defined in section 3(c)(2) of the Federal Deposit Insurance Act); and

“(C) by the Director of the Office of Thrift Supervision in the case of depository institutions described in clause (v) and or (vi) of section 19(b)(1)(A) of the Federal Reserve Act which are not insured depository institutions (as defined in section 3(c)(2) of the Federal Deposit Insurance Act); and”.

Pub. L. 111–203, § 1100B(2)(B)Subsec. (a)(3). , (C), added par. (3).

Pub. L. 102–5501992— made technical amendment to references to “this chapter” wherever appearing to reflect correction of corresponding provision of original act.

Statutory Notes and Related Subsidiaries

Effective Date of 2010 Amendment

Pub. L. 111–203section 1100H of Pub. L. 111–203section 552a of Title 5Amendment by effective on the designated transfer date, see , set out as a note under , Government Organization and Employees.

Effective Date of 1992 Amendment

Pub. L. 102–550Pub. L. 102–242section 1609(a) of Pub. L. 102–550section 191 of this titleAmendment by effective as if included in the Federal Deposit Insurance Corporation Improvement Act of 1991, , as of , see , set out as a note under .