source:
  type: regulation
  id: hud-ml-2023-02
  authority: "HUD Mortgagee Letter 2023-02 — Expansion of the COVID-19 Recovery Loss Mitigation Options"
  description: 'HUD ML 2023-02 expands the COVID-19 Recovery Loss Mitigation Options to

    include all Borrowers in Default or Imminent Default (including

    Non-Occupant Borrowers), increases the COVID-19 Recovery Partial Claim to

    30 percent of UPB, temporarily suspends FHA-HAMP and Standard PFS/DIL

    options through October 30, 2024, and updates SFDMS reporting.

    '
obligations:
- id: hud-ml-2023-02-implementation-deadline
  canonical_id: hud-ml-2023-02-implementation-deadline
  section: "HUD ML 2023-02 — Effective Date"
  description: '[LENDER] may implement the COVID-19 Recovery expansion provisions of HUD

    ML 2023-02 immediately, but must implement them no later than April 30,

    2023, where [LENDER] has not sent documents to the Borrower to complete

    any Home Retention Option.

    '
  type: do
  audit_question: Can [LENDER] demonstrate that the ML 2023-02 COVID-19 Recovery expansion provisions were implemented in its loss-mitigation operations no later than April 30, 2023 for all Borrowers where Home Retention Option documents had not yet been sent?
  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
  - loss-mitigation
  - covid-19-recovery
  - effective-date
  - promoted
  primary_source:
    tier: 1
    authority: "HUD ML 2023-02 — Effective Date"
    source_class: hud-ml-pdf
    source_url: https://www.hud.gov/sites/dfiles/OCHCO/documents/2023-02hsgml.pdf
    snapshot_id: 3ee9efb92171f8b9
    fetched_at: '2026-05-22T19:56:19Z'
    content_hash: sha256:cbea62567c3beecf91b91bb13db6143186ef84817e207e0f7debf6fda293c76c
    paragraph_quote: "The provisions of this ML may be implemented immediately, but must be \nimplemented no later than April 30, 2023, where the Mortgagee has not \nsent documents to the Borrower to complete any Home Retention Option."
    drafter_attestation: 'Copied verbatim from snapshot 3ee9efb92171f8b9 (content.txt) at

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

      ML 2023-02.

      '
  promoted_at: '2026-05-22T20:56:10+00:00'
  promoted_from: hud-ml-2023-02-roundb-v1.yaml
  program_review: Does the program account for the implementation deadline — adopting the COVID-19 Recovery expansion no later than April 30, 2023 where Home Retention Option documents had not yet been sent?
  file_review: Review the loss-mit procedure version history; confirm the Recovery expansion was operational by April 30, 2023 for not-yet-documented Borrowers.
  judgment: false
- id: hud-ml-2023-02-recovery-options-end-dates
  canonical_id: hud-ml-2023-02-recovery-options-end-dates
  section: "HUD ML 2023-02 — COVID-19 Recovery Option End Dates"
  description: '[LENDER] may offer the COVID-19 Recovery Options through, but no later

    than, October 30, 2024, and must complete any offered COVID-19 Recovery

    Option no later than February 27, 2025.

    '
  type: do
  audit_question: Can [LENDER] demonstrate that no COVID-19 Recovery Options were offered after October 30, 2024 and that all offered COVID-19 Recovery Options were completed by February 27, 2025?
  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
  - loss-mitigation
  - covid-19-recovery
  - sunset-dates
  - promoted
  primary_source:
    tier: 1
    authority: "HUD ML 2023-02 — Effective Date / Sunset Dates"
    source_class: hud-ml-pdf
    source_url: https://www.hud.gov/sites/dfiles/OCHCO/documents/2023-02hsgml.pdf
    snapshot_id: 3ee9efb92171f8b9
    fetched_at: '2026-05-22T19:56:19Z'
    content_hash: sha256:cbea62567c3beecf91b91bb13db6143186ef84817e207e0f7debf6fda293c76c
    paragraph_quote: "The COVID-19 Recovery Options may be offered through, but no later \nthan, October 30, 2024, and completed no later than February 27, 2025."
    drafter_attestation: 'Copied verbatim from snapshot 3ee9efb92171f8b9 (content.txt) at

      2026-05-22T20:00Z. Substring is the COVID-19 Recovery Options

      sunset-date requirement established in ML 2023-02.

      '
  promoted_at: '2026-05-22T20:56:10+00:00'
  promoted_from: hud-ml-2023-02-roundb-v1.yaml
  program_review: Does the program account for the offer/completion windows — no COVID-19 Recovery Options offered after October 30, 2024 and all offered options completed by February 27, 2025?
  file_review: Spot-check COVID-19 Recovery Options; confirm none was offered after October 30, 2024 and all were completed by February 27, 2025.
  judgment: false
- id: hud-ml-2023-02-fha-hamp-suspended
  canonical_id: hud-ml-2023-02-fha-hamp-suspended
  section: "HUD ML 2023-02 — FHA-HAMP Temporarily Suspended (III.A.2.k.v(B))"
  description: 'All FHA-HAMP Options are temporarily suspended and [LENDER] must not offer

    them through October 30, 2024. [LENDER] must instead evaluate all

    Borrowers for the COVID-19 Recovery Home Retention Options.

    '
  type: dont
  audit_question: Through October 30, 2024, can [LENDER] demonstrate that no FHA-HAMP Loan Modification, FHA-HAMP Standalone Partial Claim, or FHA-HAMP Combination Loan Modification/Partial Claim was offered to any Borrower, and that every eligible Borrower was instead evaluated for the COVID-19 Recovery Home Retention Options?
  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
  - loss-mitigation
  - fha-hamp
  - suspended
  - promoted
  primary_source:
    tier: 1
    authority: "HUD ML 2023-02 — III.A.2.k.v(B)"
    source_class: hud-ml-pdf
    source_url: https://www.hud.gov/sites/dfiles/OCHCO/documents/2023-02hsgml.pdf
    snapshot_id: 3ee9efb92171f8b9
    fetched_at: '2026-05-22T19:56:19Z'
    content_hash: sha256:cbea62567c3beecf91b91bb13db6143186ef84817e207e0f7debf6fda293c76c
    paragraph_quote: "All FHA-HAMP Options are temporarily suspended and must not be \noffered through October 30, 2024. Mortgagees must evaluate all Borrowers \nfor the COVID-19 Recovery Home Retention Options."
    drafter_attestation: 'Copied verbatim from snapshot 3ee9efb92171f8b9 (content.txt) at

      2026-05-22T20:00Z. Substring is the FHA-HAMP suspension

      incorporated into Handbook 4000.1 III.A.2.k.v(B) by ML 2023-02.

      '
  promoted_at: '2026-05-22T20:56:10+00:00'
  promoted_from: hud-ml-2023-02-roundb-v1.yaml
  program_review: Does the program account for the FHA-HAMP suspension — offering no FHA-HAMP option through October 30, 2024 and instead evaluating every eligible Borrower for the COVID-19 Recovery Home Retention Options?
  file_review: Spot-check loss-mit files in the suspension window; confirm no FHA-HAMP option was offered and the Borrower was evaluated for COVID-19 Recovery Home Retention Options.
  judgment: false
_promotion_history:
- promoted_at: '2026-05-22T20:56:10+00:00'
  candidate_path: obligations\_remediation\_round_b_drafts\hud-ml-2023-02-roundb-v1.yaml
  candidates_promoted: 3
  candidates_skipped_existing: 0
