---
kind: "section"
citation: "12 U.S.C. § 1735f–5"
title: "12"
title_heading: "Banks and Banking"
number: "1735f–5"
heading: "Prohibition against discrimination on account of sex in extension of mortgage assistance; consideration of combined income of husband and wife for purpose of extending mortgage credit; definitions"
release: "119-102"
date: "2026-07-12"
url: "https://uscodex.org/usc/12/1735f-5"
units:
  - "Chapter 13 — National Housing"
  - "Subchapter V — Miscellaneous"
---

# §1735f–5. Prohibition against discrimination on account of sex in extension of mortgage assistance; consideration of combined income of husband and wife for purpose of extending mortgage credit; definitions

- (a) No [federally related mortgage loan](#b), or Federal insurance, guaranty, or other assistance in connection therewith (under this chapter or any other Act), shall be denied to any [person](/usc/12/5481.md?p=19) on account of sex; and every [person](/usc/12/5481.md?p=19) engaged in making [mortgage](/usc/12/1707.md?p=a) loans secured by residential real property shall consider without prejudice the combined income of both husband and wife for the purpose of extending [mortgage](/usc/12/1707.md?p=a) [credit](/usc/12/5481.md?p=7) in the form of a [federally related mortgage loan](#b) to a married couple or either member thereof.
- (b) For purposes of [subsection (a)](#a), the term “federally related mortgage loan” means any loan which—
  - (1) is secured by residential real property designed principally for the occupancy of from one to four families; and
  - (2)
    - (A) is made in whole or in part by any lender the deposits or accounts of which are insured by any agency of the Federal Government, or is made in whole or in part by any lender which is itself regulated by any agency of the Federal Government; or
    - (B) is made in whole or in part, or insured, guaranteed, supplemented, or assisted in any way, by the [Secretary](/usc/12/1715z–22a.md?p=4) of Housing and Urban Development or any other officer or agency of the Federal Government or under or in connection with a housing or urban development program administered by the [Secretary](/usc/12/1715z–22a.md?p=4) of Housing and Urban Development or a housing or related program administered by any other such officer or agency; or
    - (C) is eligible for purchase by the Federal National [Mortgage](/usc/12/1707.md?p=a) Association, the Government National [Mortgage](/usc/12/1707.md?p=a) Association, or the Federal Home Loan [Mortgage](/usc/12/1707.md?p=a) Corporation, or from any financial institution from which it could be purchased by the Federal Home Loan [Mortgage](/usc/12/1707.md?p=a) Corporation; or
    - (D) is made in whole or in part by any “creditor”, as defined in section 1602(f)[^1] of title 15, who makes or [invests](/usc/12/1861.md?p=b-6) in residential [real estate](/usc/12/1707.md?p=g) loans aggregating more than $1,000,000 per year.

## Footnotes

[^1]: See References in Text note below.

## Source credit

(June 27, 1934, ch. 847, title V, § 527, as added Pub. L. 93–383, title VIII, § 808(a), Aug. 22, 1974, 88 Stat. 728; amended Pub. L. 98–479, title II, § 204(a)(22), Oct. 17, 1984, 98 Stat. 2233.)

## Notes

### Editorial Notes

### References in Text

Section 1602(f) of title 15, referred to in subsec. (b)(2)(D), was redesignated section 1602(g) of title 15 by Pub. L. 111–203, title X, § 1100A(1)(A), July 21, 2010, 124 Stat. 2107.

### Amendments

1984—Subsec. (a). Pub. L. 98–479 designated first par. as subsec. (a).