HUD Handbook 4000.1 III.A.2.l

hud-4000-1-iii-a-2-l

HUD effective date: 10/01/2025 · section III.A.2 · Handbook 4000.1

HUD Single-Family Housing Policy Handbook 4000.1, Section III.A.2.l. See obligation entries for operative requirements and verbatim primary-source citations.

This register: .xlsx .csv

Verbatim regulatory text (3)

Verbatim provisions from HUD Handbook 4000.1 III.A.2.l — 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.2.l.i — Disaster Declarations

Whenever the President declares a major disaster, the Mortgagee must implement the procedures set forth in this section for each designated area that is eligible for federal disaster assistance, designated for public assistance, individual assistance, or both, unless otherwise specified.

Source: FHA Single Family Housing Policy Handbook 4000.1 (issued 2025-11-26) · source URL · snapshot 8c03836f77f317e1

HUD Handbook 4000.1 III.A.2.l.ii(A) — PDMDA Moratorium and Outreach

Mortgagees must attempt to contact Borrowers whose Property is located in a PDMDA to notify the Borrower that disaster loss mitigation assistance is available. If the first legal action has been completed or the Borrower has been referred to foreclosure, the Mortgagee must notify the Borrower that a foreclosure moratorium is in place for 90 Days beginning on the date of the disaster declaration for that area.

Source: HUD Handbook 4000.1 III.A.2.l.ii(A) — Standard · source URL · snapshot 8c03836f77f317e1

HUD Handbook 4000.1 III.A.2.l.ii(C) — Hazard or Flood Insurance Settlement

The Mortgagee must take no action to initiate or complete foreclosure proceedings, after expiration of a disaster-related foreclosure moratorium, if such action will jeopardize the full recovery of a hazard or flood insurance settlement.

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

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.2.l 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-2-l/ · register hud-4000-1-iii-a-2-l · 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.