Title 12 (C.F.R.)

Definition: Title 12 of the Code of Federal Regulations (C.F.R.) contains the rules and regulations issued by federal agencies that govern banks, banking institutions, and other financial entities in the United States. It outlines the operational, compliance, and supervisory standards for the banking industry, ensuring the safety, stability, and fairness of the nation’s financial system.

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Title 12 CFR (Banking Regulations)

Title 12 CFR: governs banks and financial institutions. Key: Part 1002 (ECOA: no credit discrimination), Part 1003 (HMDA: mortgage data reporting), Part 1024 (RESPA: settlement practices), Part 1026 (TILA: credit disclosures), and Part 1030 (TISA: savings disclosures). FL RE: RESPA (kickbacks, disclosures), TILA (APR, rescission), ECOA (anti-discrimination), and HMDA. Enforced by: CFPB, OCC, FDIC, FRB, and FL OFR.

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Reviewed by the attorneys at Barnes Walker, Goethe, Shea & Robinson, PLLC

Disclaimer: The information and opinions provided are for general educational, informational or entertainment purposes only and should not be construed as legal advice or a substitute for consultation with a qualified attorney. Any information that you read does not create an attorney-client relationship with Barnes Walker, Goethe, Shea & Robinson, PLLC, or any of its attorneys. Because laws, regulations, and court interpretations may change over time, the definitions and explanations provided here may not reflect the most current legal standards. The application of law varies depending on your particular facts and jurisdiction. For advice regarding your specific situation, please contact one of our Florida attorneys for personalized guidance.

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