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

12 U.S.C. § 5116

Study and reports on defaults and foreclosures

(a)

Study required

The Director shall conduct an extensive study of the root causes of default and foreclosure of home loans, using as much empirical data as is available.

(b)

Preliminary report to Congress

Not later than 6 months after , the Director shall submit to Congress a preliminary report regarding the study required by this section.

(c)

Final report to Congress

Not later than 12 months after , the Director shall submit to Congress a final report regarding the results of the study required by this section, which shall include any recommended legislation relating to the study, and recommendations for best practices and for a process to provide targeted assistance to populations with the highest risk of potential default or foreclosure.

Pub. L. 110–289, div. A, title V, § 1517122 Stat. 2824Pub. L. 111–203, title X, § 1100(3)124 Stat. 2106(, , ; , , .)

Editorial Notes

Amendments

Pub. L. 111–2032010— substituted “Director” for “Secretary” wherever appearing.

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.