---
kind: "unit"
title: "12"
title_heading: "Banks and Banking"
key: "ch2/schI"
level: "subchapter"
label: "Subchapter I"
heading: "Organization and General Provisions"
release: "119-102"
date: "2026-07-12"
url: "https://uscodex.org/usc/12/ch2-schI"
sections_count: 26
---

# Subchapter I — Organization and General Provisions

Title 12 — Banks and Banking › Chapter 2 — National Banks

## Sections

- [§21. Formation of national banking associations; incorporators; articles of association](/usc/12/21.md)
- [§21a. Amendment of articles of association](/usc/12/21a.md)
- [§22. Organization certificate](/usc/12/22.md)
- [§23. Acknowledgment and filing of certificate](/usc/12/23.md)
- [§24. Corporate powers of associations](/usc/12/24.md)
- [§24a. Financial subsidiaries of national banks](/usc/12/24a.md)
- [§25. Omitted](/usc/12/25.md)
- [§25a. Participation by national banks in lotteries and related activities](/usc/12/25a.md)
- [§25b. State law preemption standards for national banks and subsidiaries clarified](/usc/12/25b.md)
- [§26. Comptroller to determine if association can commence business](/usc/12/26.md)
- [§27. Certificate of authority to commence banking](/usc/12/27.md)
- [§28. Repealed.](/usc/12/28.md)
- [§29. Power to hold real property](/usc/12/29.md)
- [§30. Change of name or location](/usc/12/30.md)
- [§31. Rights and liabilities as affected by change of name](/usc/12/31.md)
- [§32. Liabilities and suits as affected by change of name or location](/usc/12/32.md)
- [§33...34c. Transferred](/usc/12/33...34c.md)
- [§35. Organization of State banks as national banking associations](/usc/12/35.md)
- [§36. Branch banks](/usc/12/36.md)
- [§37. Associations governed by chapter](/usc/12/37.md)
- [§38. The National Bank Act](/usc/12/38.md)
- [§39. Reservation of rights of associations organized under Act of 1863](/usc/12/39.md)
- [§40. Virgin Islands; extension of National Bank Act](/usc/12/40.md)
- [§41. Guam; extension of National Bank Act](/usc/12/41.md)
- [§42. Territorial application](/usc/12/42.md)
- [§43. Interpretations concerning preemption of certain State laws](/usc/12/43.md)