---
kind: "section"
citation: "12 U.S.C. § 5110"
title: "12"
title_heading: "Banks and Banking"
number: "5110"
heading: "Background checks of loan originators"
release: "119-102"
date: "2026-07-12"
url: "https://uscodex.org/usc/12/5110"
units:
  - "Chapter 51 — Secure and Fair Enforcement for Mortgage Licensing"
---

# §5110. Background checks of loan originators

- (a) **Access to records—** Notwithstanding any other provision of law, in providing identification and processing functions, the Attorney General shall provide access to all criminal history information to the appropriate [State](/usc/12/5102.md?p=11) officials responsible for regulating [State-licensed loan originators](/usc/12/5102.md?p=12) and other financial [service providers](/usc/12/5481.md?p=26-A) to the extent criminal history background checks are required under the laws of the [State](/usc/12/5102.md?p=11) for the licensing of such [loan originators](/usc/12/5102.md?p=4-A) or other financial [service providers](/usc/12/5481.md?p=26-A).
- (b) **Agent—** For the purposes of this section and in order to reduce the points of contact which the Federal [Bureau](/usc/12/5102.md?p=1) of Investigation may have to maintain for purposes of [subsection (a)](#a), the Conference of [State](/usc/12/5102.md?p=11) Bank Supervisors or a wholly owned subsidiary may be used as a channeling agent of the [States](/usc/12/5102.md?p=11) for requesting and distributing information between the Department of Justice and the appropriate [State](/usc/12/5102.md?p=11) agencies .

## Source credit

(Pub. L. 110–289, div. A, title V, § 1511, July 30, 2008, 122 Stat. 2819; Pub. L. 114–94, div. G, title LXXXVIII, § 88002, Dec. 4, 2015, 129 Stat. 1799.)

## Notes

### Editorial Notes

### Amendments

2015—Subsec. (a). Pub. L. 114–94 inserted “and other financial service providers” after “State-licensed loan originators” and “or other financial service providers” before period at end.