FHA Single Family Housing Policy Handbook 4000.1, I. > DOING BUSINESS WITH FHA > A. FHA Lenders and Mortgagees (09/20/2021) > 6. Post-approval Operations — f. Conflicts of Interest

hud-4000-1-i-f-conflicts-of-interest

HUD effective date: 12/15/2022 · section I.A.6 · Handbook 4000.1

FHA Single Family Housing Policy Handbook 4000.1, Part I — f. Conflicts of Interest (12/15/2022).

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Verbatim provisions from FHA Single Family Housing Policy Handbook 4000.1, I. > DOING BUSINESS WITH FHA > A. FHA Lenders and Mortgagees (09/20/2021) > 6. Post-approval Operations — f. Conflicts of Interest — each quote is a verified substring of the regulator-published source snapshot, not retyped. Quoted for reference; this is not legal advice. The operational layer (P&P updates, prompts) lives in the regulation update kits.

FHA Single Family Housing Policy Handbook 4000.1, Part I — f. Conflicts of Interest (12/15/2022)

Effective 2022-12-15 · publisher's stamp for this provision

f. Conflicts of Interest (12/15/2022) This policy applies to all FHA-insured transactions unless otherwise specified in program requirements. Participants that have a direct impact on the mortgage approval decision are prohibited from having multiple roles or sources of compensation, either directly or indirectly, from a single FHA-insured transaction. These participants are: • underwriters • Appraisers • inspectors • engineers Indirect compensation includes any compensation resulting from the same FHA-insured transaction, other than for services performed in a direct role. Examples include, but are not limited to: • compensation resulting from an ownership interest in any other business that is a party to the same FHA-insured transaction; or • compensation earned by a spouse, domestic partner, or other Family Member that has a direct role in the same FHA-insured transaction. The Mortgagee must ensure that participants with a direct impact on the mortgage approval decision do not have multiple roles or sources of compensation from the same FHA-insured transaction. Participants that do not have a direct impact on the mortgage approval decision may have multiple roles and/or sources of compensation for services actually performed and permitted by HUD, provided that the FHA-insured transaction complies with all applicable federal, state, and local laws, rules, and requirements.

Source: FHA Single Family Housing Policy Handbook 4000.1, Update 18 (issued 2026-08-12) · source URL · snapshot e1bca3432cf19e09

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