source:
  type: regulation
  id: reg-x-1024.9
  authority: 12 CFR §1024.9 — Reproduction of settlement statements (Regulation X)
  description: 12 CFR §1024.9 — Reproduction of settlement statements.
  coverage_tier: context
obligations:
- id: reg-x-1024.9-full
  canonical_id: reg-x-1024.9-full
  section: 12 CFR §1024.9 — Reproduction of settlement statements
  type: reference
  tags:
  - regulator-direct
  - respa
  - corpus-expansion
  - tier-context
  primary_source:
    tier: 1
    authority: 12 CFR §1024.9 — Reproduction of settlement statements
    source_class: cfpb-regulation
    source_url: https://www.law.cornell.edu/cfr/text/12/1024.9
    snapshot_id: 78cee0157deb9657
    fetched_at: '2026-06-17T17:50:53Z'
    content_hash: sha256:ea5742979641846ac2f5dab9745672de0b4701ce9784a615bb78f76ffbe1a657
    paragraph_quote: '§ 1024.9 Reproduction of settlement statements. (a) Permissible
      changes—HUD-1. The following changes and insertions are permitted when the HUD
      -1 settlement statement is reproduced: (1) The person reproducing the HUD -1
      may insert its business name and logo in section A and may rearrange, but not
      delete, the other information that appears in section A. (2) The name, address,
      and other information regarding the lender and settlement agent may be printed
      in sections F and H, respectively. (3) Reproduction of the HUD -1 must conform
      to the terminology, sequence, and numbering of line items as presented in lines
      100-1400. However, blank lines or items listed in lines 100-1400 that are not
      used locally or in connection with mortgages by the lender may be deleted, except
      for the following: Lines 100, 120, 200, 220, 300, 301, 302, 303, 400, 420, 500,
      520, 600, 601, 602, 603, 700, 800, 900, 1000, 1100, 1200, 1300, and 1400. The
      form may be shortened correspondingly. The number of a deleted item shall not
      be used for a substitute or new item, but the number of a blank space on the
      HUD -1 may be used for a substitute or new item. (4) Charges not listed on the
      HUD -1, but that are customary locally or pursuant to the lender ''s practice,
      may be inserted in blank spaces. Where existing blank spaces on the HUD -1 are
      insufficient, additional lines and spaces may be added and numbered in sequence
      with spaces on the HUD -1. (5) The following variations in layout and format
      are within the discretion of persons reproducing the HUD -1 and do not require
      prior Bureau approval: Size of pages; tint or color of pages; size and style
      of type or print; vertical spacing between lines or provision for additional
      horizontal space on lines (for example, to provide sufficient space for recording
      time periods used in prorations); printing of the HUD -1 contents on separate
      pages, on the front and back of a single page, or on one continuous page; use
      of multicopy tear-out sets; printing on rolls for computer purposes; reorganization
      of sections B through I, when necessary to accommodate computer printing; and
      manner of placement of the HUD number, but not the OMB approval number, neither
      of which may be deleted. The expiration date associated with the OMB number
      listed on the form may be deleted. Any changes in the HUD number or OMB approval
      number may be announced by notice in the Federal Register, rather than by amendment
      of this part. (6) The borrower''s information and the seller''s information
      may be provided on separate pages. (7) Signature lines may be added. (8) The
      HUD -1 may be translated into languages other than English. (9) An additional
      page may be attached to the HUD -1 for the purpose of including customary recitals
      and information used locally in real estate settlements; for example, breakdown
      of payoff figures, a breakdown of the borrower''s total monthly mortgage payments,
      check disbursements, a statement indicating receipt of funds, applicable special
      stipulations between buyer and seller, and the date funds are transferred. If
      space permits, such information may be added at the end of the HUD -1. (10)
      As required by HUD/FHA in FHA-insured loans. (11) As allowed by § 1024.17 ,
      relating to an initial escrow account statement . (b) Permissible changes—HUD-1A.
      The changes and insertions on the HUD -1 permitted under paragraph (a) of this
      section are also permitted when the HUD -1A settlement statement is reproduced,
      except the changes described in paragraphs (a)(3) and (6) of this section. (c)
      Written approval. Any other deviation in the HUD -1 or HUD -1A forms is permissible
      only upon receipt of written approval of the Bureau ; provided, however, that
      notwithstanding contrary instructions in this section or appendix A of this
      part, reproducing the HUD -1 or HUD -1A forms with the Bureau ''s OMB approval
      number displayed in place of HUD ''s OMB approval number does not require the
      written approval of the Bureau . A request to the Bureau for approval shall
      be submitted in writing to the address indicated in the definition of Public
      Guidance Documents in § 1024.2 and shall state the reasons why the applicant
      believes such deviation is needed. The prescribed form(s) must be used until
      approval is received. [ 76 FR 78981 , Dec. 20, 2011, as amended at 81 FR 72370
      , Oct. 19, 2016]'
  judgment: false
