PUBLIC LAW 102-550—OCT. 28, 1992

106 STAT. 3889

"(B) for any subsequent semiannual period, the sum
of—

"(i) any increase during such period in the amount
of assets described in paragraph (2XA) that has been
deemed eligible for credit by the Board; and

M(ii) any increase during such period in the
amounts of deposits, loans, and other financial assist-
ance described in paragraph (2XB) that has been
deemed eligible for credit by the Board.",
(e) ELIGIBILITY REQUIREMENTS FOR QUALIFIED DISTRESSED
COMMUNITIES.—Section 233(bX4) of the Bank Enterprise Act of
1991 (12 U.S.C. 1934a(bX4» is amended to read as follows: 12 use I834a.

"(4) ELIGIBILITY REQUIREMENTS.—For purposes of this sub-
section, an area meets the requirements 01 this paragraph
if the following criteria are met:

"(A) At least 30 percent of the residents residing in
the area have incomes which are less than the national
poverty level.

"(B) The unemployment rate for the area is IVa times
greater than the national average (as determined by the
Bureau of Labor Statistics' most recent figures).

"(C) Such additional eligibility requirements as the
Board may, in its discretion, deem necessary to carry out
the provisions of this subtitle.".

SEC. 932. DISCLOSURES UNDER THE HOME MORTGAGE DISCLOSURE
ACT OF 1975.

(a) IN GENERAL.—Section 304 of the Home Mortgage Disclosure
Act of 1975 (12 U.S.C. 2803) is amended by adding at the end
the following new subsections:

"(j) LOAN APPLICATION REGISTER INFORMATION.—

"(1) IN GENERAL.—In addition to the information required Regulations.
to be disclosed under subsections (a) and (b), any depository
institution which is required to make disclosures unaer this
section shall make available to the public, upon request, loan
application register information (as defined by the Board by
regulation) in the form required under regulations prescribed
by the Board.

"(2) FORMAT OF DISCLOSURE.—

"(A) UNEDITED FORMAT.—Subject to subparagraph (B),
the loan application register information described in para-
graph (1) may be disclosed by a depository institution with-
out editing or compilation and in the format in which
such information is maintained by the institution.

"(B) PROTECTION OF APPLICANT'S PRIVACY INTEREST.—
The Board shall require, by regulation, such deletions as Regulations.
the Board may determine to be appropriate to protect—
"(i) any privacy interest of any applicant, including
the deletion of the applicant's name and identification
number, the date or the application, and the date of
any determination by the institution with respect to
such application; and

"(h) a depository institution from liability under

any Federal or State privacy law.

a(C) CENSUS TRACT FORMAT ENCOURAGED.—It is the

sense of the Congress that a depository institution should

provide loan register information under this section in a