source:
  type: regulation
  id: hud-ml-2023-04
  authority: "HUD Mortgagee Letter 2023-04 — Electronic Filing of all insurance claims on FHA Title II Single Family Mortgages"
  description: 'HUD ML 2023-04 eliminates all paper claim submission options for FHA

    Title II Single Family forward mortgages, requiring Mortgagees to file

    claims electronically through EDI, FHA Connection (FHAC), or FHA Catalyst.

    '
obligations:
- id: hud-ml-2023-04-implementation-deadline
  canonical_id: hud-ml-2023-04-implementation-deadline
  section: "HUD ML 2023-04 — Effective Date"
  description: '[LENDER] must implement the provisions of HUD ML 2023-04 (electronic-only

    claim filing) no later than March 1, 2023.

    '
  type: do
  audit_question: Can [LENDER] demonstrate that all FHA Title II Single Family forward insurance claim filings on or after March 1, 2023 were submitted via EDI, FHA Connection (FHAC), or FHA Catalyst, and that no paper claims were submitted?
  workflow_phase: servicing
  owner_role: default_servicing_analyst
  secondary_owner_role: compliance_officer
  cadence: continuous
  consequence: ''
  tags:
  - round-b
  - regulator-direct
  - hud-ml
  - fha
  - servicing
  - claims
  - electronic-filing
  - effective-date
  - promoted
  primary_source:
    tier: 1
    authority: "HUD ML 2023-04 — Effective Date"
    source_class: hud-ml-pdf
    source_url: https://www.hud.gov/sites/dfiles/OCHCO/documents/2023-04hsgml.pdf
    snapshot_id: 74b4be0bba2be1fa
    fetched_at: '2026-05-22T19:56:25Z'
    content_hash: sha256:fdcae93ce4d4f69c63f3546090cf3cfa72c6b3c53669f06fa04e7b0c0ffee71d
    paragraph_quote: "Mortgagees must implement the provisions of this ML no later than \nMarch 1, 2023."
    drafter_attestation: 'Copied verbatim from snapshot 74b4be0bba2be1fa (content.txt) at

      2026-05-22T20:00Z. Substring is the Effective Date trigger of

      ML 2023-04.

      '
  promoted_at: '2026-05-22T20:56:12+00:00'
  promoted_from: hud-ml-2023-04-roundb-v1.yaml
  program_review: Does the program account for the implementation deadline — submitting all Title II forward insurance claims on or after March 1, 2023 via EDI/FHAC/FHA Catalyst with no paper claims?
  file_review: Spot-check claims filed on/after March 1, 2023; confirm electronic submission (EDI/FHAC/Catalyst) and no paper filings.
  judgment: false
- id: hud-ml-2023-04-electronic-part-a-conveyance
  canonical_id: hud-ml-2023-04-electronic-part-a-conveyance
  section: "HUD ML 2023-04 — Electronic Submission of Conveyance Claim Part A (IV.A.2.a.iv(A)(1))"
  description: 'For Conveyance Claims (Claim Type 01), [LENDER] must submit Part A to HUD

    headquarters via EDI, FHAC, or FHA Catalyst no later than two business days

    after the date the deed to HUD is filed for record or mailed to the

    recording authority. Paper submission of Part A is no longer permitted.

    '
  type: do
  audit_question: For every FHA conveyance claim, can [LENDER] evidence that Part A was submitted to HUD headquarters via EDI, FHAC, or FHA Catalyst (not paper) no later than two business days after the deed to HUD was filed for record or mailed to the recording authority?
  workflow_phase: servicing
  owner_role: default_servicing_analyst
  secondary_owner_role: compliance_officer
  cadence: per-claim
  consequence: ''
  tags:
  - round-b
  - regulator-direct
  - hud-ml
  - fha
  - servicing
  - claims
  - conveyance
  - electronic-filing
  - promoted
  primary_source:
    tier: 1
    authority: "HUD ML 2023-04 — IV.A.2.a.iv(A)(1)"
    source_class: hud-ml-pdf
    source_url: https://www.hud.gov/sites/dfiles/OCHCO/documents/2023-04hsgml.pdf
    snapshot_id: 74b4be0bba2be1fa
    fetched_at: '2026-05-22T19:56:25Z'
    content_hash: sha256:fdcae93ce4d4f69c63f3546090cf3cfa72c6b3c53669f06fa04e7b0c0ffee71d
    paragraph_quote: "The Mortgagee must submit Part A to HUD headquarters via EDI, \nFHAC, or FHA Catalyst."
    drafter_attestation: 'Copied verbatim from snapshot 74b4be0bba2be1fa (content.txt) at

      2026-05-22T20:00Z. Substring is the electronic Part A submission

      requirement incorporated into Handbook 4000.1 IV.A.2.a.iv(A)(1)

      by ML 2023-04.

      '
  promoted_at: '2026-05-22T20:56:12+00:00'
  promoted_from: hud-ml-2023-04-roundb-v1.yaml
  program_review: Do the P&Ps ensure conveyance-claim Part A is submitted electronically (EDI/FHAC/Catalyst) no later than two business days after the deed to HUD is filed for record or mailed to the recording authority?
  file_review: Pull conveyance claims; confirm electronic Part A submission within two business days of the deed being filed/mailed.
  judgment: false
- id: hud-ml-2023-04-claim-file-24-hours
  canonical_id: hud-ml-2023-04-claim-file-24-hours
  section: "HUD ML 2023-04 — HUD Requests for Information (IV.A.1.c.iv)"
  description: '[LENDER] must make available to HUD electronic copies of identified claim

    files within 24 hours of a request, or as otherwise requested by HUD. HUD

    may charge a fee for the review of a Claim Review File that is not

    provided to HUD when requested.

    '
  type: do
  audit_question: For every HUD request for FHA claim file information, can [LENDER] evidence that electronic copies of the identified Claim Review File were provided within 24 hours of the request (or other HUD-specified timeframe)?
  workflow_phase: servicing
  owner_role: default_servicing_analyst
  secondary_owner_role: compliance_officer
  cadence: per-hud-request
  consequence: ''
  tags:
  - round-b
  - regulator-direct
  - hud-ml
  - fha
  - servicing
  - claims
  - recordkeeping
  - promoted
  primary_source:
    tier: 1
    authority: "HUD ML 2023-04 — IV.A.1.c.iv"
    source_class: hud-ml-pdf
    source_url: https://www.hud.gov/sites/dfiles/OCHCO/documents/2023-04hsgml.pdf
    snapshot_id: 74b4be0bba2be1fa
    fetched_at: '2026-05-22T19:56:25Z'
    content_hash: sha256:fdcae93ce4d4f69c63f3546090cf3cfa72c6b3c53669f06fa04e7b0c0ffee71d
    paragraph_quote: "The Mortgagee must make available to HUD electronic copies of identified \nclaim files within 24 hours of a request, or as otherwise requested by HUD."
    drafter_attestation: 'Copied verbatim from snapshot 74b4be0bba2be1fa (content.txt) at

      2026-05-22T20:00Z. Substring is the 24-hour electronic file

      production requirement incorporated into Handbook 4000.1

      IV.A.1.c.iv by ML 2023-04.

      '
  promoted_at: '2026-05-22T20:56:12+00:00'
  promoted_from: hud-ml-2023-04-roundb-v1.yaml
  program_review: Do the P&Ps ensure electronic copies of identified claim files are made available to HUD within 24 hours of a request (or as HUD otherwise specifies)?
  file_review: Pull HUD claim-file requests; confirm electronic delivery of the identified Claim Review File within 24 hours.
  judgment: false
_promotion_history:
- promoted_at: '2026-05-22T20:56:12+00:00'
  candidate_path: obligations\_remediation\_round_b_drafts\hud-ml-2023-04-roundb-v1.yaml
  candidates_promoted: 3
  candidates_skipped_existing: 0
