Chapter 51. Secure and Fair Enforcement for Mortgage Licensing 12 U.S. Code §5101. Purposes and methods for establishing a mortgage licensing system and registry 12 U.S. Code §5102. Definitions 12 U.S. Code §5103. License or registration required 12 U.S. Code §5104. State license and registration application and issuance 12 U.S. Code §5105. Standards for State license renewal 12 U.S. Code §5106. System of registration administration by Federal agencies 12 U.S. Code §5107. Bureau of Consumer Financial Protection backup authority to establish loan originator licensing system 12 U.S. Code §5108. Backup authority to establish a nationwide mortgage licensing and registry system 12 U.S. Code §5109. Fees 12 U.S. Code §5110. Background checks of loan originators 12 U.S. Code §5111. Confidentiality of information 12 U.S. Code §5112. Liability provisions 12 U.S. Code §5113. Enforcement by the Bureau 12 U.S. Code §5114. State examination authority 12 U.S. Code §5115. Reports and recommendations to Congress 12 U.S. Code §5116. Study and reports on defaults and foreclosures 12 U.S. Code §5117. Employment transition of loan originators