source:
  type: guide
  id: hud-4000-1-iv-k-appeals
  authority: FHA Single Family Housing Policy Handbook 4000.1, Part IV — k. Appeals
    (05/09/2022)
  description: FHA Single Family Housing Policy Handbook 4000.1, Part IV — k. Appeals
    (05/09/2022).
  coverage_tier: operative
obligations:
- id: hud-4000-1-iv-k-appeals-full
  canonical_id: hud-4000-1-iv-k-appeals-full
  section: FHA Single Family Housing Policy Handbook 4000.1, Part IV — k. Appeals
    (05/09/2022)
  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 IV — k. Appeals
      (05/09/2022)
    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: 'k. Appeals (05/09/2022) The Lender may appeal a denial of insurance
      benefits. The appeal must be sent to the FOC for processing with the claim package.
      Should the FOC uphold the denial, the FOC will forward the appeal to the Office
      of Single Family Program Development, Home Mortgage Insurance Division for review.
      The Home Mortgage Insurance Division will communicate the final decision to
      the FOC, who will respond to the Lender. An appeal request must include the
      following: • the regulation in dispute; • the Lender’s interpretation of the
      regulation; • why HUD’s current interpretation is incorrect; • any other documentation
      supporting the Lender’s interpretation of the regulation; • actions the Lender
      took to meet the Lender’s interpretation of the regulations; and • evidence
      in the claim binder demonstrating these actions.'
  judgment: false
