12 U.S.C. § 4910
Section 4910 · Construction
Amended 1 time on record
Applied in 5 court decisions — leading case 710 F. Supp. 2d 385 - Fellows v. CitiMortgage, Inc. (2010)
Most recently applied in Steve Kovachevich v. National Mortgage Insurance Corporation (June 2025)
How often courts cite this section
Court decisions citing this, by year.Markers show enactment, consequential amendments, and circuit splits over this section — watch for a citation surge after a change or a disagreement. The dip in the last several years is a data-coverage gap, not a real trend — our corpus holds fewer opinions from the most recent years, so recent citations are undercounted.
Nothing in this chapter shall be construed to impose any requirement for private mortgage insurance in connection with a residential mortgage transaction.
Nothing in this chapter shall be construed to preclude cancellation or termination, by agreement between a mortgagor and the holder of the mortgage, of a requirement for private mortgage insurance in connection with a residential mortgage transaction before the cancellation or termination date established by this chapter for the mortgage.