HUD Mortgagee Letter 2026-07 — Rescission of the Important Notice to Homebuyers Form HUD-92900-B Requirement
HUD Mortgagee Letter 2026-07 (June 23, 2026) — Rescission of the Important Notice to Homebuyers Form HUD-92900-B Requirement. Permanently removes the requirement for Mortgagees to provide borrowers form HUD-92900-B at application and to obtain/retain an executed copy; deletes the disclosure from Handbook 4000.1 (II.A.1.a.ii(A)(2)); effective immediately. Full verbatim text captured section-by-section from the HUD source PDF.
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Verbatim regulatory text
Verbatim provisions from HUD Mortgagee Letter 2026-07 — Rescission of the Important Notice to Homebuyers Form HUD-92900-B Requirement — 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 ML 2026-07 — Purpose
This Mortgagee Letter (ML) rescinds the requirement for Mortgagees to provide borrowers with form HUD-92900-B, Important Notice to Homebuyers, and to obtain the executed form.
HUD ML 2026-07 — Effective Date
The provisions of this ML are effective immediately. All updates will be incorporated into a forthcoming update of the HUD Handbook 4000.1, FHA Single Family Housing Policy Handbook (Handbook 4000.1).
HUD ML 2026-07 — Affected Programs
The provisions of this ML apply to all FHA-insured Title II Single Family forward mortgage programs.
HUD ML 2026-07 — Background (form description)
Form HUD-92900-B, Important Notice to Homebuyers, is a disclosure that Mortgagees were required to provide to borrowers at application for an FHA-insured Mortgage. Components of the form no longer align with current policies and operations.
HUD ML 2026-07 — Background (waiver and permanent removal)
On November 19, 2025, HUD issued a waiver of the requirement for Mortgagees to provide Form HUD-92900-B, and this Mortgagee Letter permanently removes the requirement. Mortgagees are no longer required to provide the form to borrowers or obtain and retain an executed copy.
HUD ML 2026-07 — Summary of Changes
This ML: • deletes HUD Required Disclosures – Form HUD-92900-B, Important Notice to Homebuyers (II.A.1.a.ii(A)(2)) and renumbers subsequent sections.
HUD ML 2026-07 — FHA Single Family Housing Policy Handbook 4000.1
The policy changes will be incorporated into Handbook 4000.1 as follows: See Attachment 1.
HUD ML 2026-07 — HUD Required Disclosures — Informed Consumer Choice Disclosure (II.A.1.a.ii(A)(1))
The Mortgagee must provide or ensure the Borrower is provided with any disclosure required by FHA, including the following disclosures. (1) Informed Consumer Choice Disclosure The Mortgagee must provide the Borrower with an Informed Consumer Choice Disclosure in accordance with the requirements of 24 CFR § 203.10 if the Borrower may qualify for similar non FHA-insured mortgage products offered by the Mortgagee.
HUD ML 2026-07 — Form HUD-92900-B, Important Notice to Homebuyers (deleted requirement, II.A.1.a.ii(A)(2))
The Mortgagee must provide the Borrower with a copy of form HUD-92900-B, Important Notice to Homebuyers, signed by the Borrower and provide the Borrower with a copy to keep for the Borrower’s records when the Borrower applies for the Mortgage. The Mortgagee must retain the original form HUD-92900-B signed by the Borrower.
Operationalizing HUD Mortgagee Letter 2026-07 — Rescission of the Important Notice to Homebuyers Form HUD-92900-B Requirement
This is verbatim, source-snapshotted regulator text from the Claude for Compliance open corpus. To turn a rule like this into compliance work product: gap-analyze your policies and procedures (P&Ps) against these requirements to surface stale, conflicting, or missing provisions; operationalize any change with a ready-to-run update kit; and produce audit-ready evidence — every step grounded only in the regulator’s own words, never invented.
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Source of record: https://claudeforcompliance.com/regs/hud-ml-2026-07/
· register hud-ml-2026-07 · Claude for Compliance. Free to read and download;
see regulatory updates and methodology.