source:
  type: regulation
  id: hpa-12usc-4904
  authority: 12 U.S.C. §4904 — Notification upon cancellation or termination
  description: 'HPA post-termination notification section. 30-day servicer

    duty to notify the mortgagor that PMI has ended and no further

    payments are due; parallel 30-day grounds-notice (with any

    appraisal results) when a §4902(a) or (b) cancellation/

    termination is denied.

    '
obligations:
- id: hpa-12usc-4904-a
  canonical_id: hpa-12usc-4904-a
  section: 12 U.S.C. §4904(a)
  description: '(a): (a) In general Not later than 30 days after the date of cancellation or termination
    of a private mortgage insurance requirement in accordance with this chapter, the servicer shall notify
    the mortgagor in writing— (1) that the private mortgage insurance has terminated and that the mortgagor
    no longer…'
  type: do
  tags:
  - regulator-direct
  - section-complete
  - usc-statute
  primary_source:
    tier: 1
    authority: 12 U.S.C. §4904(a)
    source_class: hpa-statute
    source_url: https://www.law.cornell.edu/uscode/text/12/4904
    snapshot_id: 629322f85240177d
    fetched_at: '2026-05-24T00:46:54Z'
    content_hash: sha256:ab9a5bfa68a4a04926ecc34ae0ff0f655245b40f251f4bb70e87a9f1806365a5
    paragraph_quote: (a) In general Not later than 30 days after the date of cancellation or termination
      of a private mortgage insurance requirement in accordance with this chapter, the servicer shall
      notify the mortgagor in writing— (1) that the private mortgage insurance has terminated and that
      the mortgagor no longer has private mortgage insurance ; and (2) that no further premiums, payments,
      or other fees shall be due or payable by the mortgagor in connection with the private mortgage insurance
      .
    drafter_attestation: Verbatim subsection of 12 U.S.C. §4904 from Cornell LII snapshot 629322f85240177d;
      body isolated between nav and notes; substring-verified.
  judgment: false
- id: hpa-12usc-4904-b
  canonical_id: hpa-12usc-4904-b
  section: 12 U.S.C. §4904(b)
  description: '(b): (b) Notice of grounds (1) In general If a servicer determines that a mortgage did
    not meet the requirements for termination or cancellation of private mortgage insurance under subsection
    (a) or (b) of section 4902 of this title , the servicer shall provide written notice to the mortgagor
    of the grou…'
  type: do
  tags:
  - regulator-direct
  - section-complete
  - usc-statute
  primary_source:
    tier: 1
    authority: 12 U.S.C. §4904(a)
    source_class: hpa-statute
    source_url: https://www.law.cornell.edu/uscode/text/12/4904
    snapshot_id: 629322f85240177d
    fetched_at: '2026-05-24T00:46:54Z'
    content_hash: sha256:ab9a5bfa68a4a04926ecc34ae0ff0f655245b40f251f4bb70e87a9f1806365a5
    paragraph_quote: (b) Notice of grounds (1) In general If a servicer determines that a mortgage did
      not meet the requirements for termination or cancellation of private mortgage insurance under subsection
      (a) or (b) of section 4902 of this title , the servicer shall provide written notice to the mortgagor
      of the grounds relied on to make the determination (including the results of any appraisal used
      to make the determination). (2) Timing Notice required by paragraph (1) shall be provided— (A) with
      respect to cancellation of private mortgage insurance under section 4902(a) of this title , not
      later than 30 days after the later of—
    drafter_attestation: Verbatim subsection of 12 U.S.C. §4904 from Cornell LII snapshot 629322f85240177d;
      body isolated between nav and notes; substring-verified.
  judgment: false
- id: hpa-12usc-4904-i
  canonical_id: hpa-12usc-4904-i
  section: 12 U.S.C. §4904(i)
  description: '(i): (i) the date on which a request is received under section 4902(a)(1) of this title
    ; or (ii) the date on which the mortgagor satisfies any evidence and certification requirements under
    section 4902(a)(3) [1] of this title; and (B) with respect to termination of private mortgage insurance
    under secti…'
  type: do
  tags:
  - regulator-direct
  - section-complete
  - usc-statute
  primary_source:
    tier: 1
    authority: 12 U.S.C. §4904(a)
    source_class: hpa-statute
    source_url: https://www.law.cornell.edu/uscode/text/12/4904
    snapshot_id: 629322f85240177d
    fetched_at: '2026-05-24T00:46:54Z'
    content_hash: sha256:ab9a5bfa68a4a04926ecc34ae0ff0f655245b40f251f4bb70e87a9f1806365a5
    paragraph_quote: (i) the date on which a request is received under section 4902(a)(1) of this title
      ; or (ii) the date on which the mortgagor satisfies any evidence and certification requirements
      under section 4902(a)(3) [1] of this title; and (B) with respect to termination of private mortgage
      insurance under section 4902(b) of this title , not later than 30 days after the scheduled termination
      date. ( Pub. L. 105–216, § 5 , July 29, 1998 , 112 Stat. 903 .) [1] See References in Text note
      below.
    drafter_attestation: Verbatim subsection of 12 U.S.C. §4904 from Cornell LII snapshot 629322f85240177d;
      body isolated between nav and notes; substring-verified.
  judgment: false
