US Code

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

12 U.S.C. § 5112

Liability provisions

section 5108 of this titleThe Bureau, any State official or agency, or any organization serving as the administrator of the Nationwide Mortgage Licensing System and Registry or a system established by the Director under , or any officer or employee of any such entity, shall not be subject to any civil action or proceeding for monetary damages by reason of the good faith action or omission of any officer or employee of any such entity, while acting within the scope of office or employment, relating to the collection, furnishing, or dissemination of information concerning persons who—
(1)
have applied, are applying, or are licensed or registered through the Nationwide Mortgage Licensing System and Registry; and
(2)
work in an industry with respect to which persons were licensed or registered through the Nationwide Mortgage Licensing System and Registry on .

Pub. L. 110–289, div. A, title V, § 1513Pub. L. 111–203, title X, § 1100(8)124 Stat. 2107Pub. L. 115–174, title I, § 106(c)132 Stat. 1304(, as added , , ; amended , , .)

Editorial Notes

Prior Provisions

Pub. L. 110–289, div. A, title V, § 1513122 Stat. 2820Pub. L. 111–203, title X, § 1100(8)124 Stat. 2107A prior section 5112, , , , which barred liability for good faith actions or omissions by certain entities’ officers or employees, was repealed by , , .

Amendments

Pub. L. 115–1742018— substituted “persons who—” for “persons who are loan originators or are applying for licensing or registration as loan originators.” and added pars. (1) and (2).

Statutory Notes and Related Subsidiaries

Effective Date of 2018 Amendment

Pub. L. 115–174, title I, § 106(d)132 Stat. 1304

section 5117 of this title“This section [enacting and amending this section] and the amendments made by this section shall take effect on the date that is 18 months after the date of enactment of this Act [].”
, , , provided that:

Effective Date

section 1100H of Pub. L. 111–203section 552a of Title 5Section effective on the designated transfer date, see , set out as an Effective Date of 2010 Amendment note under , Government Organization and Employees.