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

12 U.S.C. § 4910

Construction

(a)

PMI not required

Nothing in this chapter shall be construed to impose any requirement for private mortgage insurance in connection with a residential mortgage transaction.

(b)

No preclusion of cancellation or termination agreements

Nothing in this chapter shall be construed to preclude cancellation or termination, by agreement between a mortgagor and the holder of the mortgage, of a requirement for private mortgage insurance in connection with a residential mortgage transaction before the cancellation or termination date established by this chapter for the mortgage.

Pub. L. 105–216, § 11112 Stat. 908(, , .)

Statutory Notes and Related Subsidiaries

Effective Date

section 13 of Pub. L. 105–216section 4901 of this titleSection effective 1 year after , see , set out as a note under .