PUBLIC LAW 102-242—DEC. 19, 1991 105 STAT. 2299 SEC. 212. AUTHORITY OF FEDERAL BANKING AGENCIES TO ENFORCE CONSUMER STATUTES. (a) AMENDMENTS TO THE HOME MORTGAGE DISCLOSURE ACT.— (1) MAINTENANCE OF RECORDS AND PUBLIC DISCLOSURE.— Section 304(h) of the Home Mortgage Disclosure Act of 1975 (12 U.S.C. 2803(h)) is amended— (A) by striking paragraph (1) and inserting the following new paragraph: "(1) the Office of the Comptroller of the Currency for national banks and Federal branches and Federal agencies of foreign banks;"; and (B) by striking paragraph (3) and inserting the following new paragraph: "(3) the Federal Deposit Insurance Corporation for banks insured by the Federal Deposit Insurance Corporation (other than members of the Federal Reserve System), mutual savings banks, insured State branches of foreign banks, and any other depository institution described in section 303(2)(A) which is not otherwise referred to in this paragraph;". (2) ENFORCEMENT.—Section 305(b) of the Home Mortgage Disclosure Act of 1975 (12 U.S.C. 2804(b)) is amended— (A) by striking paragraph (1) and inserting the following new paragraph: "(1) section 8 of the Federal Deposit Insurance Act, in the case of— "(A) national banks, and Federal branches and Federal agencies of foreign banks, by the Office of the Comptroller of the Currency; "(B) member banks of the Federal Reserve System (other than national banks), branches and agencies of foreign banks (other than Federal branches, Federal agencies, and insured State branches of foreign banks), commercial lending companies owned or controlled by foreign banks, and organizations operating under section 25 or 25(a) of the Federal Reserve Act, by the Board; and "(C) banks insured by the Federal Deposit Insurance Corporation (other than members of the Federal Reserve System), mutual savings banks as defined in section 3(f) of the Federal Deposit Insurance Act (12 U.S.C. 1813(f)), insured State branches of foreign banks, and any other depository institution not referred to in this paragraph or paragraph (2) or (3) of this subsection, by the Board of Directors of the Federal Deposit Insurance Corporation;"; and (B) by adding at the end the following: "The terms used in paragraph (1) that are not defined in this title or otherwise defined in section 3(s) of the Federal Deposit Insurance Act (12 U.S.C. 1813(s)) shall have the meaning given to them in section 1(b) of the International Banking Act of 1978 (12 U.S.C. 3101).". (b) AMENDMENT TO THE TRUTH IN LENDING ACT.— Section 108(a) of the Truth in Lending Act (15 U.S.C. 1607(a)) is amended— (1) by striking paragraph (1) and inserting the following new paragraph: "(1) section 8 of the Federal Deposit Insurance Act, in the case of—
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