HUD Handbook 4000.1 III.A.1.d

Name: HUD Handbook 4000.1 III.A.1.d — machine-readable register
Creator: Claude for Compliance
License: https://creativecommons.org/licenses/by-nd/4.0/

hud-4000-1-iii-a-1-d

HUD effective date: 03/31/2022 · section III.A.1 · Handbook 4000.1

HUD Single-Family Housing Policy Handbook 4000.1, Section III.A.1.d. See obligation entries for operative requirements and verbatim primary-source citations.

This register: .xlsx .csv

source:
  type: regulation
  id: hud-4000-1-iii-a-1-d
  authority: HUD Handbook 4000.1 III.A.1.d
  description: |
    HUD Single-Family Housing Policy Handbook 4000.1, Section III.A.1.d.
    See obligation entries for operative requirements and verbatim
    primary-source citations.
  source_url: https://www.hud.gov/sites/default/files/Housing/documents/40001-hsgh-Update-18.pdf
obligations:
  - id: hud-4000-1-iii-a-1-d-provide-information-on-request
    canonical_id: hud-4000-1-iii-a-1-d-provide-information-on-request
    section: HUD Handbook 4000.1 III.A.1.d.ii — Communication with Borrowers and Authorized Third Parties Standard
    description: |
      [LENDER] must provide mortgage information and arrange for individual
      consultation with the Borrower and/or the Authorized Third Party,
      upon request by the Borrowers.
    type: do
    audit_question: For every Borrower request for mortgage information or consultation (directly or through an Authorized Third Party), can [LENDER] evidence that the information was provided and individual consultation was arranged?
    program_review: Do the P&Ps ensure mortgage information is provided and individual consultation arranged upon Borrower (or Authorized Third Party) request?
    file_review: Review the request log; confirm information was provided and consultation arranged for Borrower/Authorized-Third-Party requests.
    judgment: false
    feeds: []
    workflow_phase: servicing
    owner_role: compliance_officer
    secondary_owner_role: default_servicing_analyst
    cadence: per-request
    consequence: ''
    tags:
      - round-b
      - regulator-direct
      - hud-handbook-4000-1
      - fha
      - servicing
      - borrower-communication
      - promoted
    primary_source:
      tier: 1
      authority: HUD Handbook 4000.1 III.A.1.d.ii — Standard
      source_class: hud-handbook-4000-1
      source_url: https://www.hud.gov/hud-partners/single-family-handbook-4000-1
      snapshot_id: 8c03836f77f317e1
      fetched_at: '2026-05-23T00:28:40Z'
      content_hash: sha256:411430f29b13f9b54a2ebb0e6f6e7087ecd2b90d0da22eb0c8c792eaa2d7d0df
      paragraph_quote: The Mortgagee must provide mortgage information and arrange for individual consultation with the Borrower and/or the Authorized Third Party, upon request by the Borrowers.
      drafter_attestation: Copied verbatim from HUD Handbook 4000.1 snapshot 8c03836f77f317e1 (III.A.1.d.ii) at 2026-05-23.
      quote_before_extension: 'The Mortgagee must provide mortgage information and arrange for individual '
      quote_extended: '2026-09-26: extended to sentence end (was clipped mid-clause)'
    promoted_at: '2026-05-23T00:39:05+00:00'
    promoted_from: hud-4000-1-iii-a-1-d-roundb-v1.yaml
  - id: hud-4000-1-iii-a-1-d-third-party-access-law-compliance
    canonical_id: hud-4000-1-iii-a-1-d-third-party-access-law-compliance
    section: HUD Handbook 4000.1 III.A.1.d.ii — Compliance with Third-Party Access Laws
    description: The Mortgagee must comply with all laws, rules, and requirements applicable to third- party access to mortgage information.
    type: do
    audit_question: Can [LENDER] evidence (in its policies and operational records) compliance with all laws, rules, and requirements applicable to third-party access to FHA mortgage information?
    program_review: Do the P&Ps ensure compliance with all laws/rules applicable to third-party access to mortgage information?
    file_review: Review policies and operational records; confirm third-party-access-law compliance controls are in place and followed.
    judgment: false
    feeds: []
    workflow_phase: servicing
    owner_role: compliance_officer
    secondary_owner_role: default_servicing_analyst
    cadence: ongoing
    consequence: ''
    tags:
      - round-b
      - regulator-direct
      - hud-handbook-4000-1
      - fha
      - servicing
      - third-party-access
      - promoted
    primary_source:
      tier: 1
      authority: FHA Single Family Housing Policy Handbook 4000.1, Update 18 (issued 2026-08-12)
      source_class: hud-handbook-4000-1
      source_url: https://www.hud.gov/sites/default/files/Housing/documents/40001-hsgh-Update-18.pdf
      snapshot_id: e1bca3432cf19e09
      fetched_at: '2026-05-23T00:28:40Z'
      content_hash: sha256:e1bca3432cf19e097b7f466dddb2837d8a3393d7fb1f6a711f0eaf818b313e02
      paragraph_quote: The Mortgagee must comply with all laws, rules, and requirements applicable to third- party access to mortgage information.
      drafter_attestation: Verbatim from Handbook 4000.1 Update 18; the quote appears literally in a footer-stripped projection of snapshot e1bca3432cf19e09, verified 2026-08-23.
      quote_healed: true
      verbatim_gate: defurnished-projection
      reverified_at: '2026-08-23'
    promoted_at: '2026-05-23T00:39:05+00:00'
    promoted_from: hud-4000-1-iii-a-1-d-roundb-v1.yaml
  - id: hud-4000-1-iii-a-1-d-third-party-authorization-documentation
    canonical_id: hud-4000-1-iii-a-1-d-third-party-authorization-documentation
    section: HUD Handbook 4000.1 III.A.1.d.iii — Required Documentation
    description: |
      If communicating with an Authorized Third Party, [LENDER] must include
      documentation of the authorization in the servicing binder (e.g.,
      a signed Borrower authorization, a Power of Attorney, guardianship
      order, or other documentation showing legal authorization to access
      the Borrower's records).
    type: do
    audit_question: For every communication with an Authorized Third Party regarding an FHA Mortgage, can [LENDER] evidence inclusion of the documentation of authorization (signed Borrower authorization, POA, guardianship order, or other legal authorization) in the servicing binder?
    program_review: Do the P&Ps ensure that whenever [LENDER] communicates with an Authorized Third Party, the authorization documentation (signed Borrower authorization, POA, guardianship order, or other legal authorization) is in the servicing binder?
    file_review: Pull files with Authorized-Third-Party communication; confirm the authorization documentation is in the servicing binder.
    judgment: false
    feeds: []
    workflow_phase: servicing
    owner_role: compliance_officer
    secondary_owner_role: default_servicing_analyst
    cadence: per-third-party-communication
    consequence: ''
    tags:
      - round-b
      - regulator-direct
      - hud-handbook-4000-1
      - fha
      - servicing
      - authorized-third-party
      - documentation
      - promoted
    primary_source:
      tier: 1
      authority: HUD Handbook 4000.1 III.A.1.d.iii — Required Documentation
      source_class: hud-handbook-4000-1
      source_url: https://www.hud.gov/hud-partners/single-family-handbook-4000-1
      snapshot_id: 8c03836f77f317e1
      fetched_at: '2026-05-23T00:28:40Z'
      content_hash: sha256:411430f29b13f9b54a2ebb0e6f6e7087ecd2b90d0da22eb0c8c792eaa2d7d0df
      paragraph_quote: 'If communicating with an Authorized Third Party, the Mortgagee must include documentation of the authorization in the servicing binder: • a copy of a signed authorization from the Borrower; • a copy of a Power of Attorney (POA), order of guardianship, or other documentation authorizing that third party to act on behalf of the Borrower; or • other documentation showing legal authorization to access the Borrower’s records.'
      drafter_attestation: Copied verbatim from HUD Handbook 4000.1 snapshot 8c03836f77f317e1 (III.A.1.d.iii) at 2026-05-23.
      quote_before_extension: 'If communicating with an Authorized Third Party, the Mortgagee must include '
      quote_extended: '2026-09-26: extended to sentence end (was clipped mid-clause)'
    promoted_at: '2026-05-23T00:39:05+00:00'
    promoted_from: hud-4000-1-iii-a-1-d-roundb-v1.yaml
_promotion_history:
  - promoted_at: '2026-05-23T00:39:05+00:00'
    candidate_path: obligations\_remediation\_round_b_drafts\hud-4000-1-iii-a-1-d-roundb-v1.yaml
    candidates_promoted: 3
    candidates_skipped_existing: 0

Verbatim regulatory text (3)

Verbatim provisions from HUD Handbook 4000.1 III.A.1.d — 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.

HUD Handbook 4000.1 III.A.1.d.ii — Communication with Borrowers and Authorized Third Parties Standard

The Mortgagee must provide mortgage information and arrange for individual consultation with the Borrower and/or the Authorized Third Party, upon request by the Borrowers.

Source: HUD Handbook 4000.1 III.A.1.d.ii — Standard · source URL · snapshot 8c03836f77f317e1

HUD Handbook 4000.1 III.A.1.d.ii — Compliance with Third-Party Access Laws

The Mortgagee must comply with all laws, rules, and requirements applicable to third- party access to mortgage information.

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

HUD Handbook 4000.1 III.A.1.d.iii — Required Documentation

If communicating with an Authorized Third Party, the Mortgagee must include documentation of the authorization in the servicing binder: • a copy of a signed authorization from the Borrower; • a copy of a Power of Attorney (POA), order of guardianship, or other documentation authorizing that third party to act on behalf of the Borrower; or • other documentation showing legal authorization to access the Borrower’s records.

Source: HUD Handbook 4000.1 III.A.1.d.iii — Required Documentation · source URL · snapshot 8c03836f77f317e1

Get this regulation in your AI window

Retired 4000.1 text reads exactly like current text. Ask an assistant an FHA question and it will often answer from an old edition, confidently, without telling you which one.Put the verbatim text and its effective date in front of your assistant, instead of whatever it remembers.

Open in Claude Open in ChatGPT

Open in Claude shows the one-time setup: paste one address, no account with us. Open in ChatGPT asks ChatGPT about this page, with no setup. Either way it’s free.

Next step: the FHA underwriting QC playbook. Run it in your AI window →

Get notified if this rule changes

One email when HUD Handbook 4000.1 III.A.1.d changes: what changed, the new verbatim text, and the effective date. Nothing else.

Double opt-in: we send a confirmation link first. Following one section does not subscribe you to anything else. Privacy.

Source of record: https://claudeforcompliance.com/regs/hud-4000-1-iii-a-1-d/ · register hud-4000-1-iii-a-1-d · verbatim, source-snapshotted regulator text from the Claude for Compliance corpus. To work from every register at once, download the corpus and follow the methodology.