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PUBLIC LAW 111–203—JULY 21, 2010 124 STAT. 2097

Bureau and any person subject to this subtitle, but not with
respect to the standards under section 501.’’;
(5) in section 505(b)(1) (15 U.S.C. 6805(b)(1)), by inserting
‘‘, other than the Bureau of Consumer Financial Protection,’’
after ‘‘subsection (a)’’; and
(6) in section 507(b) (15 U.S.C. 6807), by striking ‘‘Federal
Trade Commission’’ and inserting ‘‘Bureau of Consumer Finan-
cial Protection’’.

SEC. 1094. AMENDMENTS TO THE HOME MORTGAGE DISCLOSURE ACT
OF 1975.
The Home Mortgage Disclosure Act of 1975 (12 U.S.C. 2801
et seq.) is amended—
(1) by striking ‘‘Board’’ each place that term appears, other 12 USC 2803 et
than in sections 303, 304(h), 305(b) (as amended by this sec- seq.
tion), and 307(a) (as amended by this section) and inserting
‘‘Bureau’’.
(2) in section 303 (12 U.S.C. 2802)—
(A) by redesignating paragraphs (1) through (6) as
paragraphs (2) through (7), respectively; and
(B) by inserting before paragraph (2) the following:
‘‘(1) the term ‘Bureau’ means the Bureau of Consumer Definition.
Financial Protection;’’;
(3) in section 304 (12 U.S.C. 2803)—
(A) in subsection (b)—
(i) in paragraph (4), by inserting ‘‘age,’’ before ‘‘and
gender’’;
(ii) in paragraph (3), by striking ‘‘and’’ at the end;
(iii) in paragraph (4), by striking the period at
the end and inserting a semicolon; and
(iv) by adding at the end the following:
‘‘(5) the number and dollar amount of mortgage loans
grouped according to measurements of—
‘‘(A) the total points and fees payable at origination
in connection with the mortgage as determined by the
Bureau, taking into account 15 U.S.C. 1602(aa)(4);
‘‘(B) the difference between the annual percentage rate
associated with the loan and a benchmark rate or rates
for all loans;
‘‘(C) the term in months of any prepayment penalty
or other fee or charge payable on repayment of some portion
of principal or the entire principal in advance of scheduled
payments; and
‘‘(D) such other information as the Bureau may require;
and
‘‘(6) the number and dollar amount of mortgage loans and
completed applications grouped according to measurements of—
‘‘(A) the value of the real property pledged or proposed
to be pledged as collateral;
‘‘(B) the actual or proposed term in months of any
introductory period after which the rate of interest may
change;
‘‘(C) the presence of contractual terms or proposed

LAWS contractual terms that would allow the mortgagor or applicant to make payments other than fully amortizing payments during any portion of the loan term;PUBLIC with on anorris VerDate Nov 24 2008 22:28 Sep 03, 2010 Jkt 089139 PO 00203 Frm 00723 Fmt 6580 Sfmt 6581 E:\PUBLAW\PUBL203.111 PUBL203