FHA Single Family Housing Policy Handbook 4000.1, III. SERVICING AND LOSS MITIGATION > C. Title I Insured Programs > 2. Title I Manufactured Home Loan Program — a. Servicing in Compliance with Law

hud-4000-1-iii-a-servicing-in-compliance-with-law-3

HUD effective date: 11/07/2023 · section III.C.1 · Handbook 4000.1

FHA Single Family Housing Policy Handbook 4000.1, Part III — a. Servicing in Compliance with Law (11/07/2023).

This register: .xlsx .csv

Verbatim regulatory text (1)

Verbatim provisions from FHA Single Family Housing Policy Handbook 4000.1, III. SERVICING AND LOSS MITIGATION > C. Title I Insured Programs > 2. Title I Manufactured Home Loan Program — a. Servicing in Compliance with Law — 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 III — a. Servicing in Compliance with Law (11/07/2023)

Effective 2023-11-07 · publisher's stamp for this provision

a. Servicing in Compliance with Law (11/07/2023) i. Definition The Loan Holder is the entity who holds title to the FHA-insured Loan and has the right to enforce the loan agreement. The Loan Servicer is the entity responsible for performing servicing actions on FHA- insured Loans on its behalf or on behalf of or at the direction of another FHA-approved Lender. ii. Standard Lenders must ensure all Title I FHA-insured Loans are serviced in accordance with FHA requirements and all applicable laws. Lenders must service all FHA-insured Loans in accordance with FHA requirements and all applicable laws. Lenders must comply with all laws, rules, and requirements applicable to loan servicing, including full compliance with the applicable requirements under the purview of the Consumer Financial Protection Bureau (CFPB), including the Real Estate Settlement Procedures Act (RESPA) and the Truth in Lending Act (TILA). Lenders must comply with all antidiscrimination laws, rules, and nondiscrimination and equal opportunity statutes, regulations, contract provisions, and other requirements applicable to servicing performing FHA-insured Loans and FHA-insured Loans in Default, including full compliance with the applicable requirements of: • Fair Housing Act, 42 U.S.C. §§ 3601–3619; • the Fair Credit Reporting Act (FCRA), 15 U.S.C. §§ 1681–1681x; and • the Equal Credit Opportunity Act (ECOA), 15 U.S.C. §§ 1691–1691f. The Lender must make all determinations with respect to the adequacy of the Borrower’s income in a uniform manner without regard to race, color, religion, sex, age, national origin, familial status, disability, marital status, receipt of public assistance, because the applicant has in good faith exercised any right under the Consumer Credit Protection Act, or location of the Property.

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 FHA Single Family Housing Policy Handbook 4000.1, III. SERVICING AND LOSS MITIGATION > C. Title I Insured Programs > 2. Title I Manufactured Home Loan Program — a. Servicing in Compliance with Law 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-servicing-in-compliance-with-law-3/ · register hud-4000-1-iii-a-servicing-in-compliance-with-law-3 · 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.