---
kind: "section"
citation: "12 U.S.C. § 5112"
title: "12"
title_heading: "Banks and Banking"
number: "5112"
heading: "Liability provisions"
release: "119-102"
date: "2026-07-12"
url: "https://uscodex.org/usc/12/5112"
units:
  - "Chapter 51 — Secure and Fair Enforcement for Mortgage Licensing"
---

# §5112. Liability provisions


The [Bureau](/usc/12/5102.md?p=1), any [State](/usc/12/5102.md?p=11) official or agency, or any organization serving as the administrator of the [Nationwide Mortgage Licensing System and Registry](/usc/12/5102.md?p=6) or a system established by the [Director](/usc/12/5102.md?p=10) under [section 5108 of this title](/usc/12/5108.md), or any officer or employee of any such entity, shall not be subject to any civil action or proceeding for monetary damages by reason of the good faith action or omission of any officer or employee of any such entity, while acting within the scope of office or employment, relating to the collection, furnishing, or dissemination of information concerning [persons](/usc/12/5481.md?p=19) who—

- (1) have applied, are applying, or are licensed or registered through the [Nationwide Mortgage Licensing System and Registry](/usc/12/5102.md?p=6); and
- (2) work in an industry with respect to which [persons](/usc/12/5481.md?p=19) were licensed or registered through the [Nationwide Mortgage Licensing System and Registry](/usc/12/5102.md?p=6) on May 24, 2018.

## Source credit

(Pub. L. 110–289, div. A, title V, § 1513, as added Pub. L. 111–203, title X, § 1100(8), July 21, 2010, 124 Stat. 2107; amended Pub. L. 115–174, title I, § 106(c), May 24, 2018, 132 Stat. 1304.)

## Notes

### Editorial Notes

### Prior Provisions

A prior section 5112, Pub. L. 110–289, div. A, title V, § 1513, July 30, 2008, 122 Stat. 2820, which barred liability for good faith actions or omissions by certain entities’ officers or employees, was repealed by Pub. L. 111–203, title X, § 1100(8), July 21, 2010, 124 Stat. 2107.

### Amendments

2018—Pub. L. 115–174 substituted “persons who—” for “persons who are loan originators or are applying for licensing or registration as loan originators.” and added pars. (1) and (2).

### Statutory Notes and Related Subsidiaries

### Effective Date of 2018 Amendment

Pub. L. 115–174, title I, § 106(d), May 24, 2018, 132 Stat. 1304, provided that: “This section [enacting section 5117 of this title and amending this section] and the amendments made by this section shall take effect on the date that is 18 months after the date of enactment of this Act [May 24, 2018].”

### 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.