FHA Single Family Housing Policy Handbook 4000.1, Part III
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).
Verbatim regulatory text
Verbatim provisions from FHA Single Family Housing Policy Handbook 4000.1, Part III — 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)
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.
Operationalizing FHA Single Family Housing Policy Handbook 4000.1, Part III
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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 · Claude for Compliance. Free to read and download;
see regulatory updates and methodology.