---
kind: "section"
citation: "15 U.S.C. § 6713"
title: "15"
title_heading: "Commerce and Trade"
number: "6713"
heading: "Title insurance activities of national banks and their affiliates"
release: "119-102"
date: "2026-07-12"
url: "https://uscodex.org/usc/15/6713"
units:
  - "Chapter 93 — Insurance"
  - "Subchapter I — State Regulation of Insurance"
---

# §6713. Title insurance activities of national banks and their affiliates

- (a) **General prohibition—** No national bank may engage in any activity involving the underwriting or sale of title insurance.
- (b) **Nondiscrimination parity exception—**
  - (1) **In general—** Notwithstanding any other provision of law (including [section 6701 of this title](/usc/15/6701.md)), in the case of any [State](/usc/15/15g.md?p=2) in which banks organized under the laws of such [State](/usc/15/15g.md?p=2) are authorized to sell title insurance as agent, a national bank may sell title insurance as agent in such [State](/usc/15/15g.md?p=2), but only in the same manner, to the same extent, and under the same restrictions as such [State](/usc/15/15g.md?p=2) banks are authorized to sell title insurance as agent in such [State](/usc/15/15g.md?p=2).
  - (2) **Coordination with “wildcard” provision—** A [State](/usc/15/15g.md?p=2) law which authorizes [State](/usc/15/15g.md?p=2) banks to engage in any activities in such [State](/usc/15/15g.md?p=2) in which a national bank may engage shall not be treated as a statute which authorizes [State](/usc/15/15g.md?p=2) banks to sell title insurance as agent, for purposes of [paragraph (1)](#b-1).
- (c) **Grandfathering with consistent regulation—**
  - (1) **In general—** Except as provided in paragraphs [(2)](#c-2) and [(3)](#c-3) and notwithstanding subsections [(a)](#a) and [(b)](#b), a national bank, and a subsidiary of a national bank, may conduct title insurance activities which such national bank or subsidiary was actively and lawfully conducting before November 12, 1999.
  - (2) **Insurance affiliate—** In the case of a national bank which has an affiliate which provides insurance as principal and is not a subsidiary of the bank, the national bank and any subsidiary of the national bank may not engage in the underwriting of title insurance pursuant to [paragraph (1)](#c-1).
  - (3) **Insurance subsidiary—** In the case of a national bank which has a subsidiary which provides insurance as principal and has no affiliate other than a subsidiary which provides insurance as principal, the national bank may not directly engage in any activity involving the underwriting of title insurance.
- (d) **“Affiliate” and “subsidiary” defined—** For purposes of this section, the terms “affiliate” and “subsidiary” have the same meanings as in [section 1841 of title 12](/usc/12/1841.md).
- (e) **Rule of construction—** No provision of this Act or any other Federal law shall be construed as superseding or affecting a [State](/usc/15/15g.md?p=2) law which was in effect before November 12, 1999, and which prohibits title insurance from being offered, provided, or sold in such [State](/usc/15/15g.md?p=2), or from being underwritten with respect to real property in such [State](/usc/15/15g.md?p=2), by any [person](/usc/15/7a.md?p=6) whatsoever.

## Source credit

(Pub. L. 106–102, title III, § 303, Nov. 12, 1999, 113 Stat. 1408.)

## Notes

### Editorial Notes

### References in Text

This Act, referred to in subsec. (e), is Pub. L. 106–102, Nov. 12, 1999, 113 Stat. 1338, known as the Gramm-Leach-Bliley Act. For complete classification of this Act to the Code, see Short Title of 1999 Amendment note set out under section 1811 of Title 12, Banks and Banking, and Tables.