FHA Single Family Housing Policy Handbook 4000.1, III. SERVICING AND LOSS MITIGATION > B. TITLE II INSURED HOUSING PROGRAMS REVERSE MORTGAGES > 1. Servicing of FHA-Insured HECMs — d. Communication with Borrowers and Authorized Third Parties

hud-4000-1-iii-d-communication-with-borrowers-and-authorized-third-parties-2

HUD effective date: 04/29/2024 · section III.B.1 · Handbook 4000.1

FHA Single Family Housing Policy Handbook 4000.1, Part III — d. Communication with Borrowers and Authorized Third Parties (04/29/2024).

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Verbatim regulatory text (1)

Verbatim provisions from FHA Single Family Housing Policy Handbook 4000.1, III. SERVICING AND LOSS MITIGATION > B. TITLE II INSURED HOUSING PROGRAMS REVERSE MORTGAGES > 1. Servicing of FHA-Insured HECMs — d. Communication with Borrowers and Authorized Third Parties — 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 — d. Communication with Borrowers and Authorized Third Parties (04/29/2024)

Effective 2024-04-29 · publisher's stamp for this provision

d. Communication with Borrowers and Authorized Third Parties (04/29/2024) i. Definition Authorized Third Parties refer to parties who are not Borrowers on the Mortgage but who are authorized to communicate with the Mortgagee regarding a Mortgage. ii. Standard The Mortgagee must provide mortgage information and arrange for individual consultation, upon request by the Borrowers. The Mortgagee must comply with all laws, rules, and requirements applicable to third- party access to mortgage information. 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 legal documentation authorizing that third party to act on behalf of the Borrower; or • other legal documentation showing authorization to access the Borrower’s records.

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

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Source of record: https://claudeforcompliance.com/regs/hud-4000-1-iii-d-communication-with-borrowers-and-authorized-third-parties-2/ · register hud-4000-1-iii-d-communication-with-borrowers-and-authorized-third-parties-2 · 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.