source:
  type: regulation
  id: hud-ml-2026-07
  authority: HUD Mortgagee Letter 2026-07 — Rescission of the Important Notice to Homebuyers Form HUD-92900-B
    Requirement
  description: 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.
obligations:
- id: hud-ml-2026-07-purpose
  canonical_id: hud-ml-2026-07-purpose
  section: HUD ML 2026-07 — Purpose
  type: reference
  tags:
  - round-b
  - regulator-direct
  - hud-ml
  - fha
  - full-text
  - origination
  - disclosures
  - hud-92900-b
  - ml-2026-07
  primary_source:
    tier: 1
    authority: HUD Mortgagee Letter 2026-07 — Rescission of the Important Notice to Homebuyers Form HUD-92900-B
      Requirement — Purpose
    source_class: hud-ml-pdf
    source_url: https://www.hud.gov/sites/default/files/hudclips/documents/2026-07hsgml.pdf
    snapshot_id: be02dbe58a529d9b
    fetched_at: '2026-07-13T02:16:16Z'
    content_hash: sha256:5f055b6f37823e91dfa2253f9a8460fbfd423c8d05b42c7697d614dbbba38c34
    paragraph_quote: 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.
- id: hud-ml-2026-07-effective-date
  canonical_id: hud-ml-2026-07-effective-date
  section: HUD ML 2026-07 — Effective Date
  type: reference
  tags:
  - round-b
  - regulator-direct
  - hud-ml
  - fha
  - full-text
  - origination
  - disclosures
  - hud-92900-b
  - ml-2026-07
  primary_source:
    tier: 1
    authority: HUD Mortgagee Letter 2026-07 — Rescission of the Important Notice to Homebuyers Form HUD-92900-B
      Requirement — Effective Date
    source_class: hud-ml-pdf
    source_url: https://www.hud.gov/sites/default/files/hudclips/documents/2026-07hsgml.pdf
    snapshot_id: be02dbe58a529d9b
    fetched_at: '2026-07-13T02:16:16Z'
    content_hash: sha256:5f055b6f37823e91dfa2253f9a8460fbfd423c8d05b42c7697d614dbbba38c34
    paragraph_quote: 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).
- id: hud-ml-2026-07-affected-programs
  canonical_id: hud-ml-2026-07-affected-programs
  section: HUD ML 2026-07 — Affected Programs
  type: reference
  tags:
  - round-b
  - regulator-direct
  - hud-ml
  - fha
  - full-text
  - origination
  - disclosures
  - hud-92900-b
  - ml-2026-07
  primary_source:
    tier: 1
    authority: HUD Mortgagee Letter 2026-07 — Rescission of the Important Notice to Homebuyers Form HUD-92900-B
      Requirement — Affected Programs
    source_class: hud-ml-pdf
    source_url: https://www.hud.gov/sites/default/files/hudclips/documents/2026-07hsgml.pdf
    snapshot_id: be02dbe58a529d9b
    fetched_at: '2026-07-13T02:16:16Z'
    content_hash: sha256:5f055b6f37823e91dfa2253f9a8460fbfd423c8d05b42c7697d614dbbba38c34
    paragraph_quote: The provisions of this ML apply to all FHA-insured Title II Single Family forward
      mortgage programs.
- id: hud-ml-2026-07-background-form-description
  canonical_id: hud-ml-2026-07-background-form-description
  section: HUD ML 2026-07 — Background (form description)
  type: reference
  tags:
  - round-b
  - regulator-direct
  - hud-ml
  - fha
  - full-text
  - origination
  - disclosures
  - hud-92900-b
  - ml-2026-07
  primary_source:
    tier: 1
    authority: HUD Mortgagee Letter 2026-07 — Rescission of the Important Notice to Homebuyers Form HUD-92900-B
      Requirement — Background (form description)
    source_class: hud-ml-pdf
    source_url: https://www.hud.gov/sites/default/files/hudclips/documents/2026-07hsgml.pdf
    snapshot_id: be02dbe58a529d9b
    fetched_at: '2026-07-13T02:16:16Z'
    content_hash: sha256:5f055b6f37823e91dfa2253f9a8460fbfd423c8d05b42c7697d614dbbba38c34
    paragraph_quote: 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.
- id: hud-ml-2026-07-background-rescission
  canonical_id: hud-ml-2026-07-background-rescission
  section: HUD ML 2026-07 — Background (waiver and permanent removal)
  type: reference
  tags:
  - round-b
  - regulator-direct
  - hud-ml
  - fha
  - full-text
  - origination
  - disclosures
  - hud-92900-b
  - ml-2026-07
  primary_source:
    tier: 1
    authority: HUD Mortgagee Letter 2026-07 — Rescission of the Important Notice to Homebuyers Form HUD-92900-B
      Requirement — Background (waiver and permanent removal)
    source_class: hud-ml-pdf
    source_url: https://www.hud.gov/sites/default/files/hudclips/documents/2026-07hsgml.pdf
    snapshot_id: be02dbe58a529d9b
    fetched_at: '2026-07-13T02:16:16Z'
    content_hash: sha256:5f055b6f37823e91dfa2253f9a8460fbfd423c8d05b42c7697d614dbbba38c34
    paragraph_quote: 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.
- id: hud-ml-2026-07-summary-of-changes
  canonical_id: hud-ml-2026-07-summary-of-changes
  section: HUD ML 2026-07 — Summary of Changes
  type: reference
  tags:
  - round-b
  - regulator-direct
  - hud-ml
  - fha
  - full-text
  - origination
  - disclosures
  - hud-92900-b
  - ml-2026-07
  primary_source:
    tier: 1
    authority: HUD Mortgagee Letter 2026-07 — Rescission of the Important Notice to Homebuyers Form HUD-92900-B
      Requirement — Summary of Changes
    source_class: hud-ml-pdf
    source_url: https://www.hud.gov/sites/default/files/hudclips/documents/2026-07hsgml.pdf
    snapshot_id: be02dbe58a529d9b
    fetched_at: '2026-07-13T02:16:16Z'
    content_hash: sha256:5f055b6f37823e91dfa2253f9a8460fbfd423c8d05b42c7697d614dbbba38c34
    paragraph_quote: '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.'
- id: hud-ml-2026-07-handbook-incorporation
  canonical_id: hud-ml-2026-07-handbook-incorporation
  section: HUD ML 2026-07 — FHA Single Family Housing Policy Handbook 4000.1
  type: reference
  tags:
  - round-b
  - regulator-direct
  - hud-ml
  - fha
  - full-text
  - origination
  - disclosures
  - hud-92900-b
  - ml-2026-07
  primary_source:
    tier: 1
    authority: HUD Mortgagee Letter 2026-07 — Rescission of the Important Notice to Homebuyers Form HUD-92900-B
      Requirement — FHA Single Family Housing Policy Handbook 4000.1
    source_class: hud-ml-pdf
    source_url: https://www.hud.gov/sites/default/files/hudclips/documents/2026-07hsgml.pdf
    snapshot_id: be02dbe58a529d9b
    fetched_at: '2026-07-13T02:16:16Z'
    content_hash: sha256:5f055b6f37823e91dfa2253f9a8460fbfd423c8d05b42c7697d614dbbba38c34
    paragraph_quote: 'The policy changes will be incorporated into Handbook 4000.1 as follows: See Attachment
      1.'
- id: hud-ml-2026-07-hud-required-disclosures-icc
  canonical_id: hud-ml-2026-07-hud-required-disclosures-icc
  section: HUD ML 2026-07 — HUD Required Disclosures — Informed Consumer Choice Disclosure (II.A.1.a.ii(A)(1))
  type: do
  tags:
  - round-b
  - regulator-direct
  - hud-ml
  - fha
  - full-text
  - origination
  - disclosures
  - hud-92900-b
  - ml-2026-07
  primary_source:
    tier: 1
    authority: HUD Mortgagee Letter 2026-07 — Rescission of the Important Notice to Homebuyers Form HUD-92900-B
      Requirement — HUD Required Disclosures — Informed Consumer Choice Disclosure (II.A.1.a.ii(A)(1))
    source_class: hud-ml-pdf
    source_url: https://www.hud.gov/sites/default/files/hudclips/documents/2026-07hsgml.pdf
    snapshot_id: be02dbe58a529d9b
    fetched_at: '2026-07-13T02:16:16Z'
    content_hash: sha256:5f055b6f37823e91dfa2253f9a8460fbfd423c8d05b42c7697d614dbbba38c34
    paragraph_quote: 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.
- id: hud-ml-2026-07-form-92900b-deleted-text
  canonical_id: hud-ml-2026-07-form-92900b-deleted-text
  section: HUD ML 2026-07 — Form HUD-92900-B, Important Notice to Homebuyers (deleted requirement, II.A.1.a.ii(A)(2))
  type: reference
  tags:
  - round-b
  - regulator-direct
  - hud-ml
  - fha
  - full-text
  - origination
  - disclosures
  - hud-92900-b
  - ml-2026-07
  primary_source:
    tier: 1
    authority: HUD Mortgagee Letter 2026-07 — Rescission of the Important Notice to Homebuyers Form HUD-92900-B
      Requirement — Form HUD-92900-B, Important Notice to Homebuyers (deleted requirement, II.A.1.a.ii(A)(2))
    source_class: hud-ml-pdf
    source_url: https://www.hud.gov/sites/default/files/hudclips/documents/2026-07hsgml.pdf
    snapshot_id: be02dbe58a529d9b
    fetched_at: '2026-07-13T02:16:16Z'
    content_hash: sha256:5f055b6f37823e91dfa2253f9a8460fbfd423c8d05b42c7697d614dbbba38c34
    paragraph_quote: 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.
