42 USC 1490 - Rural and rural area defined

As used in this subchapter, the terms rural and rural area mean any open country, or any place, town, village, or city which is not (except in the cases of Pajaro, in the State of California, and Guadalupe, in the State of Arizona) part of or associated with an urban area and which
(1)  has a population not in excess of 2,500 inhabitants, or
(2)  has a population in excess of 2,500 but not in excess of 10,000 if it is rural in character, or
(3)  has a population in excess of 10,000 but not in excess of 20,000, and
(A)  is not contained within a standard metropolitan statistical area, and

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(B)  has a serious lack of mortgage credit for lower and moderate-income families, as determined by the Secretary and the Secretary of Housing and Urban Development. For purposes of this subchapter, any area classified as rural or a rural area prior to October 1, 1990, and determined not to be rural or a rural area as a result of data received from or after the 1990 or 2000 decennial census shall continue to be so classified until the receipt of data from the decennial census in the year 2010, if such area has a population in excess of 10,000 but not in excess of 25,000, is rural in character, and has a serious lack of mortgage credit for lower and moderate-income families. Notwithstanding any other provision of this section, the city of Plainview, Texas, shall be considered a rural area for purposes of this subchapter, and the city of Altus, Oklahoma, shall be considered a rural area for purposes of this subchapter until the receipt of data from the decennial census in the year 2000.