USDA HB-1-3555 ch10 bootstrap

usda-hb-3555-ch10

Bootstrap for USDA HB-1-3555 ch10 register.

Get this register: .xlsx .csv More bundles →

source:
  type: regulation
  id: usda-hb-3555-ch10
  authority: USDA HB-1-3555 ch10 bootstrap
  description: Bootstrap for USDA HB-1-3555 ch10 register.
  effective_date: '2025-08-05'
obligations:
  - id: usda-hb-3555-ch10-review-credit-history
    canonical_id: usda-hb-3555-ch10-review-credit-history
    section: USDA HB-1-3555 Ch. 10.2 — Credit Eligibility Requirements
    description: |
      [LENDERS] must review the credit history of an applicant, as
      applicable, to determine an ability and willingness to meet
      their debt obligations.
    type: do
    audit_question: For every USDA SFHGLP-guaranteed loan, can [LENDER] evidence that it reviewed the applicant's credit history to determine ability and willingness to meet debt obligations?
    program_review: Does the program ensure the applicant's credit history is reviewed to determine ability and willingness to meet debt obligations?
    file_review: Pull a sample; confirm a documented credit review. The officer judges whether the credit conclusion (ability/willingness) is reasonable on the record.
    judgment: true
    feeds: []
    workflow_phase: underwriting
    owner_role: underwriter
    secondary_owner_role: loan_officer
    cadence: per_loan
    consequence: ''
    tags:
      - round-b
      - regulator-direct
      - usda
      - hb-1-3555
      - ch10
      - credit-analysis
      - promoted
    primary_source:
      tier: 1
      authority: USDA HB-1-3555 Chapter 10.2 — Credit Eligibility Requirements
      source_class: usda-handbook-hb-1-3555
      source_url: https://www.rd.usda.gov/sites/default/files/3555-1chapter10.pdf
      snapshot_id: 64b6ad8b3f3ae1ee
      fetched_at: '2026-05-23T01:50:00Z'
      content_hash: sha256:20e53c83dd7224854e84e72198a792085b20d759cfa9e005f5075a13c82af3a9
      paragraph_quote: Lenders must review the credit history of an applicant, as applicable, to determine an ability and willingness to meet their debt obligations.
      drafter_attestation: Copied verbatim from USDA HB-1-3555 snapshot 64b6ad8b3f3ae1ee (Ch 10) at 2026-05-23. Source PDF retrieved via Wayback Machine.
      quote_healed: true
      effective_date: '2025-08-05'
      effective_date_source: usda-revised-pn
      effective_date_note: Procedure Notice 649
    promoted_at: '2026-05-23T13:45:39+00:00'
    promoted_from: usda-hb-3555-ch10-roundb-v1.yaml
  - id: usda-hb-3555-ch10-credit-report-from-unaffiliated-repository
    canonical_id: usda-hb-3555-ch10-credit-report-from-unaffiliated-repository
    section: USDA HB-1-3555 Ch. 10.3 — Credit Report Requirements
    description: |
      Credit reports utilized to underwrite guaranteed loans must be
      from a recognized credit repository that is not affiliated
      with [LENDER]. Eligible credit reports include automated
      merged credit reports (MMCR/TRMCR) and Residential Mortgage
      Credit Reports (RMCR).
    type: do
    audit_question: For every USDA SFHGLP-guaranteed loan, can [LENDER] evidence that the credit report used in underwriting was from a recognized credit repository not affiliated with [LENDER], and was an eligible report type (MMCR/TRMCR or RMCR)?
    program_review: Does the program ensure underwriting credit reports come from a recognized repository unaffiliated with [LENDER] and are an eligible type (MMCR/TRMCR or RMCR)?
    file_review: Pull a sample; confirm the credit report source is an unaffiliated recognized repository and an eligible report type.
    judgment: false
    feeds: []
    workflow_phase: underwriting
    owner_role: underwriter
    secondary_owner_role: loan_officer
    cadence: per_loan
    consequence: ''
    tags:
      - round-b
      - regulator-direct
      - usda
      - hb-1-3555
      - ch10
      - credit-report
      - promoted
    primary_source:
      tier: 1
      authority: USDA HB-1-3555 Chapter 10.3 — Credit Report Requirements
      source_class: usda-handbook-hb-1-3555
      source_url: https://www.rd.usda.gov/sites/default/files/3555-1chapter10.pdf
      snapshot_id: 64b6ad8b3f3ae1ee
      fetched_at: '2026-05-23T01:50:00Z'
      content_hash: sha256:20e53c83dd7224854e84e72198a792085b20d759cfa9e005f5075a13c82af3a9
      paragraph_quote: Credit reports utilized to underwrite guaranteed loans must be from a recognized credit repository that is not affiliated with the lender.
      drafter_attestation: Copied verbatim from USDA HB-1-3555 snapshot 64b6ad8b3f3ae1ee (Ch 10) at 2026-05-23. Source PDF retrieved via Wayback Machine.
      quote_healed: true
      effective_date: '2025-08-05'
      effective_date_source: usda-revised-pn
      effective_date_note: Procedure Notice 649
    promoted_at: '2026-05-23T13:45:39+00:00'
    promoted_from: usda-hb-3555-ch10-roundb-v1.yaml
  - id: usda-hb-3555-ch10-caivrs-a-response-required
    canonical_id: usda-hb-3555-ch10-caivrs-a-response-required
    section: USDA HB-1-3555 Attachment 10-A — CAIVRS
    description: |
      An "A" response is the only acceptable CAIVRS result for an
      applicant to be eligible for a guaranteed loan. An applicant
      that will be a party to the loan with a non-"A" CAIVRS response
      is ineligible.
    type: do
    audit_question: For every applicant who will be a party to a USDA SFHGLP-guaranteed loan, can [LENDER] evidence a clear "A" Credit Alert Verification Reporting System (CAIVRS) response in the loan file?
    program_review: Does the program require a clear 'A' CAIVRS response for every party to the loan, with a non-'A' response treated as ineligible?
    file_review: Pull a sample; confirm a clear 'A' CAIVRS result for each party to the loan.
    judgment: false
    feeds: []
    workflow_phase: underwriting
    owner_role: underwriter
    secondary_owner_role: loan_officer
    cadence: per_loan
    consequence: Loan ineligible for SFHGLP guarantee absent "A" CAIVRS response.
    tags:
      - round-b
      - regulator-direct
      - usda
      - hb-1-3555
      - ch10
      - caivrs
      - promoted
    primary_source:
      tier: 1
      authority: USDA HB-1-3555 Attachment 10-A — Credit Matrix (CAIVRS)
      source_class: usda-handbook-hb-1-3555
      source_url: https://www.rd.usda.gov/sites/default/files/3555-1chapter10.pdf
      snapshot_id: 64b6ad8b3f3ae1ee
      fetched_at: '2026-05-23T01:50:00Z'
      content_hash: sha256:20e53c83dd7224854e84e72198a792085b20d759cfa9e005f5075a13c82af3a9
      paragraph_quote: An “A” response is the only acceptable result for an applicant to be eligible for a guaranteed loan.
      drafter_attestation: Copied verbatim from USDA HB-1-3555 snapshot 64b6ad8b3f3ae1ee (Ch 10) at 2026-05-23. Source PDF retrieved via Wayback Machine.
      effective_date: '2025-08-05'
      effective_date_source: usda-revised-pn
      effective_date_note: Procedure Notice 649
    promoted_at: '2026-05-23T13:45:39+00:00'
    promoted_from: usda-hb-3555-ch10-roundb-v1.yaml
_promotion_history:
  - promoted_at: '2026-05-23T13:45:39+00:00'
    candidate_path: obligations\_remediation\_round_b_drafts\usda-hb-3555-ch10-roundb-v1.yaml
    candidates_promoted: 3
    candidates_skipped_existing: 0

Verbatim regulatory text (3)

Verbatim provisions from USDA HB-1-3555 ch10 bootstrap — 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.

USDA HB-1-3555 Ch. 10.2 — Credit Eligibility Requirements

Effective 2025-08-05 · USDA chapter revision · Procedure Notice 649

Lenders must review the credit history of an applicant, as applicable, to determine an ability and willingness to meet their debt obligations.

Source: USDA HB-1-3555 Chapter 10.2 — Credit Eligibility Requirements · source URL · snapshot 64b6ad8b3f3ae1ee

USDA HB-1-3555 Ch. 10.3 — Credit Report Requirements

Effective 2025-08-05 · USDA chapter revision · Procedure Notice 649

Credit reports utilized to underwrite guaranteed loans must be from a recognized credit repository that is not affiliated with the lender.

Source: USDA HB-1-3555 Chapter 10.3 — Credit Report Requirements · source URL · snapshot 64b6ad8b3f3ae1ee

USDA HB-1-3555 Attachment 10-A — CAIVRS

Effective 2025-08-05 · USDA chapter revision · Procedure Notice 649

An “A” response is the only acceptable result for an applicant to be eligible for a guaranteed loan.

Source: USDA HB-1-3555 Attachment 10-A — Credit Matrix (CAIVRS) · source URL · snapshot 64b6ad8b3f3ae1ee

Did an assistant just answer an USDA question for you? A Procedure Notice replaces chapter text silently. An assistant quoting HB-1-3555 cannot tell you which notice it is working from, or whether a later one moved the rule. This page is the operative text, with its effective date.

Check the answer, or check a whole file. Paste into ChatGPT or Claude:

1. Read https://claudeforcompliance.com/qc/usda-hb-3555-ch10 — the verbatim text of this section with its effective date. Tell me whether the answer you just gave me still matches it. Quote the operative text and its effective date, and flag anything you said that it does not support.

2. Then, if I upload my USDA loan file, fetch https://claudeforcompliance.com/skills/usda-loan-qc/SKILL.md and run a pre-fund QC check against it.

Your loan file never leaves your own AI session. USDA loan QC skill

Operationalizing USDA HB-1-3555 ch10 bootstrap

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.

To work from the whole rulebook rather than this one page: download the corpus — every register on this site, verbatim, each with its source snapshot and effective date — then follow the methodology. It asks your assistant to answer only from the downloaded text, cite the register id and effective date it used, and tell you when the corpus does not cover something instead of filling the gap from memory. Running it locally also means no one sees which regulations you are looking at.

Source of record: https://claudeforcompliance.com/regs/usda-hb-3555-ch10/ · register usda-hb-3555-ch10 · Claude for Compliance. Free to read and download; see regulatory updates and methodology.