source:
  type: regulation
  id: hud-ml-2024-24
  authority: HUD Mortgagee Letter 2024-24
  description: 'HUD Mortgagee Letter 2024-24. See obligation entries for operative

    requirements and verbatim primary-source citations.

    '
obligations:
- id: hud-ml-2024-24-default-interview-by-61st-day
  canonical_id: hud-ml-2024-24-default-interview-by-61st-day
  section: "HUD ML 2024-24 — Alternative Interim Procedures: Early Default Intervention Interview Standard (III.A.2.h.xii(A))"
  description: "Under the alternative interim procedures (January 1, 2025 through June\n30, 2025), [LENDER] must have an interview with the Borrower — or make\na reasonable effort to arrange an interview — no later than the 61st Day\nof delinquency, unless the Borrower is exempt; [LENDER] may conduct the\ninterview face-to-face or using alternative communication methods\n(phone, email, video calling services, or other conferencing technology).\n"
  type: do
  audit_question: "For every FHA-insured Mortgage in default during the interim period (January 1, 2025 — June 30, 2025), can [LENDER] evidence either (a) an interview with the Borrower conducted by the 61st Day of delinquency or (b) a documented reasonable-effort attempt to arrange the interview, OR documentation of why the Borrower was exempt?"
  workflow_phase: servicing
  owner_role: default_servicing_analyst
  secondary_owner_role: compliance_officer
  cadence: per-delinquent-loan
  consequence: ''
  tags:
  - round-b
  - regulator-direct
  - hud-ml
  - fha
  - servicing
  - early-default-intervention
  - loss-mit-consultation
  - promoted
  primary_source:
    tier: 1
    authority: "HUD ML 2024-24 — III.A.2.h.xii(A)"
    source_class: hud-ml-pdf
    source_url: https://www.hud.gov/sites/dfiles/OCHCO/documents/2024-24hsgml.pdf
    snapshot_id: 6e7e6506e45043e3
    fetched_at: '2026-05-22T19:54:54Z'
    content_hash: sha256:06105cb7128dcfadff4113399f2937e4531d0954fdf468560528af1713fe49ef
    paragraph_quote: "The Mortgagee must have an interview with the Borrower or make a \nreasonable effort to arrange an interview no later than the 61st Day of \ndelinquency, unless exempt."
    drafter_attestation: 'Copied verbatim from snapshot 6e7e6506e45043e3 (content.txt) at

      2026-05-22T20:22Z. Substring is the (A) Standard for Early Default

      Intervention interviews under the ML 2024-24 alternative interim

      procedures.

      '
  promoted_at: '2026-05-22T20:17:34+00:00'
  promoted_from: hud-ml-2024-24-roundb-v1.yaml
  program_review: Does the program account for the interim-period interview condition (Jan 1 - Jun 30, 2025) — conducting an interview (or reasonable effort to arrange one) no later than the 61st Day of delinquency unless the Borrower is exempt, by face-to-face or alternative methods?
  file_review: Spot-check interim-period delinquency files; confirm an interview by the 61st Day, a documented reasonable-effort attempt, or documented exemption.
  judgment: true
  feeds:
  - hud-ml-2024-24-servicing-file-documentation
- id: hud-ml-2024-24-servicing-file-documentation
  canonical_id: hud-ml-2024-24-servicing-file-documentation
  section: "HUD ML 2024-24 — Early Default Intervention Interview Required Documentation (III.A.2.h.xii(B))"
  description: 'For each Borrower in default during the alternative-interim-procedure

    period, [LENDER] must document in the servicing file (i) the reason the

    meeting is not required, if exempt; (ii) the dates and methods of its

    attempts at arranging an interview; and (iii) the date of its interview

    with the Borrower.

    '
  type: do
  audit_question: For every FHA-insured Mortgage that became delinquent during the interim period, can [LENDER] retrieve from the servicing file (a) the exemption reason where applicable, (b) the dates and methods of arrangement attempts, and (c) the date of the actual interview with the Borrower?
  workflow_phase: servicing
  owner_role: default_servicing_analyst
  secondary_owner_role: compliance_officer
  cadence: per-delinquent-loan
  consequence: ''
  tags:
  - round-b
  - regulator-direct
  - hud-ml
  - fha
  - servicing
  - recordkeeping
  - servicing-file
  - promoted
  primary_source:
    tier: 1
    authority: "HUD ML 2024-24 — III.A.2.h.xii(B)"
    source_class: hud-ml-pdf
    source_url: https://www.hud.gov/sites/dfiles/OCHCO/documents/2024-24hsgml.pdf
    snapshot_id: 6e7e6506e45043e3
    fetched_at: '2026-05-22T19:54:54Z'
    content_hash: sha256:06105cb7128dcfadff4113399f2937e4531d0954fdf468560528af1713fe49ef
    paragraph_quote: 'The Mortgagee must document in the servicing file:'
    drafter_attestation: 'Copied verbatim from snapshot 6e7e6506e45043e3 (content.txt) at

      2026-05-22T20:22Z. Substring is the headline of (B) Required

      Documentation; the three documentation elements are paraphrased in

      description.

      '
  promoted_at: '2026-05-22T20:17:34+00:00'
  promoted_from: hud-ml-2024-24-roundb-v1.yaml
  program_review: Do the P&Ps ensure the servicing file documents, for each interim-period default, the exemption reason (if exempt), the dates and methods of arrangement attempts, and the date of the interview?
  file_review: Pull interim-period default files; confirm the servicing file records the exemption reason, attempt dates/methods, and interview date.
  judgment: false
_promotion_history:
- promoted_at: '2026-05-22T20:17:34+00:00'
  candidate_path: obligations\_remediation\_round_b_drafts\hud-ml-2024-24-roundb-v1.yaml
  candidates_promoted: 2
  candidates_skipped_existing: 0
