---
kind: "section"
citation: "12 U.S.C. § 2806"
title: "12"
title_heading: "Banks and Banking"
number: "2806"
heading: "Compliance improvement methods"
release: "119-102"
date: "2026-07-12"
url: "https://uscodex.org/usc/12/2806"
units:
  - "Chapter 29 — Home Mortgage Disclosure"
---

# §2806. Compliance improvement methods

- (a) **In general—**
  - (1) **Consultation required—** The [Director](/usc/12/5481.md?p=10) of the [Bureau](/usc/12/2802.md?p=1) of [Consumer](/usc/12/5481.md?p=4) Financial Protection, with the assistance of the [Secretary](/usc/12/2802.md?p=7), the [Director](/usc/12/5481.md?p=10) of the [Bureau](/usc/12/2802.md?p=1) of the Census, the [Board](/usc/12/2802.md?p=6) of Governors of the Federal Reserve System, the Federal Deposit Insurance Corporation, and such other [persons](/usc/12/5481.md?p=19) as the [Bureau](/usc/12/2802.md?p=1) deems appropriate, shall develop or assist in the improvement of, methods of matching addresses and census tracts to facilitate compliance by [depository institutions](/usc/12/2802.md?p=3) in as economical a manner as possible with the requirements of this chapter.
  - (2) **Authorization of appropriations—** There are authorized to be appropriated, such sums as may be necessary to carry out this subsection.
  - (3) **Contracting authority—** The [Director](/usc/12/5481.md?p=10) of the [Bureau](/usc/12/2802.md?p=1) of [Consumer](/usc/12/5481.md?p=4) Financial Protection is authorized to utilize, contract with, act through, or compensate any [person](/usc/12/5481.md?p=19) or agency in order to carry out this subsection.
- (b) **Recommendations to Congress—** The [Director](/usc/12/5481.md?p=10) of the [Bureau](/usc/12/2802.md?p=1) of [Consumer](/usc/12/5481.md?p=4) Financial Protection shall recommend to the Committee on Banking, Housing, and Urban Affairs of the Senate and the Committee on Financial Services of the House of Representatives, such additional legislation as the [Director](/usc/12/5481.md?p=10) of the [Bureau](/usc/12/2802.md?p=1) of [Consumer](/usc/12/5481.md?p=4) Financial Protection deems appropriate to carry out the purpose of this chapter.

## Source credit

(Pub. L. 94–200, title III, § 307, as added Pub. L. 111–203, title X, § 1094(6), July 21, 2010, 124 Stat. 2101.)

## Notes

### Editorial Notes

### Prior Provisions

A prior section 2806, Pub. L. 94–200, title III, § 307, Dec. 31, 1975, 89 Stat. 1127; Pub. L. 100–628, title X, § 1087(c), Nov. 7, 1988, 102 Stat. 3280; Pub. L. 101–73, title VII, § 744(p)(3), Aug. 9, 1989, 103 Stat. 440, which related to research and improved methods; authorization of appropriations; recommendations to congressional committees, was repealed by Pub. L. 111–203, title X, § 1094(6), July 21, 2010, 124 Stat. 2101.

### Statutory Notes and Related Subsidiaries

### Effective Date

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