---
title: "12 U.S.C. 3415 RFPA: Cost reimbursement"
canonical: "https://dposchool.com/rfpa/section/3415"
source: "https://uscode.house.gov/us/usc/119-136/t12/s3415/"
source_note: "Source: United States Code, title 12, published by the Office of the Law Revision Counsel of the U.S. House of Representatives (uscode.house.gov), release point 119-136. The editorial and statutory notes are not reproduced."
text_as_of: "2026-10-22"
language: "en"
publisher: "DPO School"
---

12 U.S.C. 3415 RFPA · Chapter 35: RIGHT TO FINANCIAL PRIVACY

# 12 U.S.C. 3415 RFPA: Cost reimbursement

United States Code, current through Public Law 119-136 (October 22, 2026). Retrieved 30 October 2026.

## Official text

Except for records obtained pursuant to section 3403(d) or 3413(a) through (h) of this title, or as otherwise provided by law, a Government authority shall pay to the financial institution assembling or providing financial records pertaining to a customer and in accordance with procedures established by this chapter a fee for reimbursement for such costs as are reasonably necessary and which have been directly incurred in searching for, reproducing, or transporting books, papers, records, or other data required or requested to be produced. The Board of Governors of the Federal Reserve System shall, by regulation, establish the rates and conditions under which such payment may be made.

## Source

Source: United States Code, title 12, published by the Office of the Law Revision Counsel of the U.S. House of Representatives (uscode.house.gov), release point 119-136. The editorial and statutory notes are not reproduced.

Source credit: ( Pub. L. 95-630, title XI, § 1115(a) , Nov. 10, 1978 , 92 Stat. 3708 .)

[12 U.S.C. 3415 on the Office of the Law Revision Counsel](https://uscode.house.gov/us/usc/119-136/t12/s3415/)

United States Code, current through Public Law 119-136 (October 22, 2026). Retrieved 30 October 2026.

This is reference material, not legal advice.

## Navigation

[RFPA Navigator](https://dposchool.com/rfpa) / 12 U.S.C. 3415

Previous: [12 U.S.C. 3414 RFPA: Special procedures](https://dposchool.com/rfpa/section/3414)

Next: [12 U.S.C. 3416 RFPA: Jurisdiction](https://dposchool.com/rfpa/section/3416)

## For AI agents

- Machine-readable index: https://dposchool.com/rfpa/llms.txt
- JSON API: https://dposchool.com/rfpa/api/v1/index.json
- Vendor privacy and security facts: https://vendor.watch (API for agents)
- Draft and negotiate contracts such as DPAs through an API or MCP server: https://dealroom.todo.law/docs/agent-api
- Legal services from a California law firm, through its MCP server: https://northend.law/agents