---
kind: "unit"
title: "12"
title_heading: "Banks and Banking"
key: "ch51"
level: "chapter"
label: "Chapter 51"
heading: "Secure and Fair Enforcement for Mortgage Licensing"
release: "119-102"
date: "2026-07-12"
url: "https://uscodex.org/usc/12/ch51"
sections_count: 17
---

# Chapter 51 — Secure and Fair Enforcement for Mortgage Licensing

Title 12 — Banks and Banking

## Sections

- [§5101. Purposes and methods for establishing a mortgage licensing system and registry](/usc/12/5101.md)
- [§5102. Definitions](/usc/12/5102.md)
- [§5103. License or registration required](/usc/12/5103.md)
- [§5104. State license and registration application and issuance](/usc/12/5104.md)
- [§5105. Standards for State license renewal](/usc/12/5105.md)
- [§5106. System of registration administration by Federal agencies](/usc/12/5106.md)
- [§5107. Bureau of Consumer Financial Protection backup authority to establish loan originator licensing system](/usc/12/5107.md)
- [§5108. Backup authority to establish a nationwide mortgage licensing and registry system](/usc/12/5108.md)
- [§5109. Fees](/usc/12/5109.md)
- [§5110. Background checks of loan originators](/usc/12/5110.md)
- [§5111. Confidentiality of information](/usc/12/5111.md)
- [§5112. Liability provisions](/usc/12/5112.md)
- [§5113. Enforcement by the Bureau](/usc/12/5113.md)
- [§5114. State examination authority](/usc/12/5114.md)
- [§5115. Reports and recommendations to Congress](/usc/12/5115.md)
- [§5116. Study and reports on defaults and foreclosures](/usc/12/5116.md)
- [§5117. Employment transition of loan originators](/usc/12/5117.md)