source:
  type: guide
  id: hud-4000-1-i-f-conflicts-of-interest
  authority: FHA Single Family Housing Policy Handbook 4000.1, Part I — f. Conflicts
    of Interest (12/15/2022)
  description: FHA Single Family Housing Policy Handbook 4000.1, Part I — f. Conflicts
    of Interest (12/15/2022).
  coverage_tier: operative
obligations:
- id: hud-4000-1-i-f-conflicts-of-interest-full
  canonical_id: hud-4000-1-i-f-conflicts-of-interest-full
  section: FHA Single Family Housing Policy Handbook 4000.1, Part I — f. Conflicts
    of Interest (12/15/2022)
  type: do
  tags:
  - regulator-direct
  - fha
  - hud-handbook
  - corpus-expansion
  - tier-operative
  primary_source:
    tier: 1
    authority: FHA Single Family Housing Policy Handbook 4000.1, Part I — f. Conflicts
      of Interest (12/15/2022)
    source_class: hud-handbook
    source_url: https://www.hud.gov/hud-partners/single-family-handbook-4000-1
    snapshot_id: 8c03836f77f317e1
    fetched_at: '2026-05-23T00:28:40Z'
    content_hash: sha256:411430f29b13f9b54a2ebb0e6f6e7087ecd2b90d0da22eb0c8c792eaa2d7d0df
    paragraph_quote: 'f. Conflicts of Interest (12/15/2022) This policy applies to
      all FHA-insured transactions unless otherwise specified in program requirements.
      I. DOING BUSINESS WITH FHA A. FHA Lenders and Mortgagees (09/20/2021) 6. Post-approval
      Operations Handbook 4000.1 52 Last Revised: 11/26/2025 Participants that have
      a direct impact on the mortgage approval decision are prohibited from having
      multiple roles or sources of compensation, either directly or indirectly, from
      a single FHA-insured transaction. These participants are: • underwriters • Appraisers
      • inspectors • engineers Indirect compensation includes any compensation resulting
      from the same FHA-insured transaction, other than for services performed in
      a direct role. Examples include, but are not limited to: • compensation resulting
      from an ownership interest in any other business that is a party to the same
      FHA-insured transaction; or • compensation earned by a spouse, domestic partner,
      or other Family Member that has a direct role in the same FHA-insured transaction.
      The Mortgagee must ensure that participants with a direct impact on the mortgage
      approval decision do not have multiple roles or sources of compensation from
      the same FHA-insured transaction. Participants that do not have a direct impact
      on the mortgage approval decision may have multiple roles and/or sources of
      compensation for services actually performed and permitted by HUD, provided
      that the FHA-insured transaction complies with all applicable federal, state,
      and local laws, rules, and requirements.'
  judgment: false
