---
kind: "section"
citation: "24 C.F.R. § 81.72"
title: "24"
number: "81.72"
heading: "Public-use database and public information."
url: "https://uscodex.org/cfr/24/81.72"
---

# §81.72. Public-use database and public information.

- (a) **General.** Except as provided in [paragraph (c)](#c) of this section, the Secretary shall establish and make available for public use, a public-use database containing public data as defined in [§ 81.2](/cfr/24/81.2.md).
- (b) **Examination of submissions.** Following receipt of mortgage data and AHAR information from the GSEs, the Secretary shall, as expeditiously as possible, examine the submissions for mortgage data and AHAR information that:
  - (1) Has been deemed to be proprietary information under this part by a temporary order, final order, or regulation in effect at the time of submission;
  - (2) Has been designated as proprietary information by the GSE in accordance with [§ 81.73](/cfr/24/81.73.md);
  - (3) Would constitute a clearly unwarranted invasion of personal privacy if such data or information were released to the public; or
  - (4) Is required to be withheld or, in the determination of the Secretary, is not appropriate for public disclosure under other applicable laws and regulations, including the Trade Secrets Act ([18 U.S.C. 1905](/usc/18/1905.md)) and Executive Order 12600.
- (c) **Public data and proprietary data.** The Secretary shall place public data in the public-use database. The Secretary shall exclude from the public-use database and from public disclosure:
  - (1) All mortgage data and AHAR information within the scope of paragraphs [(b)(1)](#b-1), [(b)(3)](#b-3), and [(b)(4)](#b-4) of this section;
  - (2) Any other mortgage data and AHAR information under (b)(2) when determined by the Secretary under [§ 81.74](/cfr/24/81.74.md) to be proprietary information; and
  - (3) **Mortgage data that is not year-end data.**
- (d) **Access.** The Secretary shall provide such means as the Secretary determines are reasonable for the public to gain access to the public-use database. To obtain access to the public-use database, the public should contact the Director, Office of Government-Sponsored Enterprises, Department of Housing and Urban Development, 451 Seventh Street, S.W., Washington, DC 20410, telephone (202) 708-2224 (this is not a toll-free number).
- (e) **Fees.** The Secretary may charge reasonable fees to cover the cost of providing access to the public-use database. These fees will include the costs of system access, computer use, copying fees, and other costs.

## Notes

### Authority

Authority: 12 U.S.C. 1451 et seq., 1716-1723h, and 4501-4641; 28 U.S.C. 2461 note; 42 U.S.C. 3535(d) and 3601-3619.

### Source

Source: 60 FR 61888, Dec. 1, 1995, unless otherwise noted.