source:
  type: regulation
  id: hud-ml-2023-08
  authority: "HUD Mortgagee Letter 2023-08 — Extension for COVID-19 Forbearance and COVID-19 HECM Extensions Through May 31, 2023"
  description: 'HUD ML 2023-08 establishes a final date of May 31, 2023 for Borrowers to

    request an initial COVID-19 Forbearance or a COVID-19 HECM Extension, and

    caps the maximum COVID-19 Forbearance period at November 30, 2023.

    '
obligations:
- id: hud-ml-2023-08-covid-forbearance-on-request
  canonical_id: hud-ml-2023-08-covid-forbearance-on-request
  section: "HUD ML 2023-08 — COVID-19 Forbearance on Borrower Request (III.A.2.o.i(B))"
  description: 'Upon Borrower request, [LENDER] must offer a COVID-19 Forbearance to any

    Borrower that experiences an adverse impact on their ability to make

    on-time Mortgage Payments due to the COVID-19 pandemic, regardless of

    Default status. All FHA-insured Borrowers are eligible for a COVID-19

    Forbearance, regardless of the delinquency status of the Mortgage.

    '
  type: do
  audit_question: For every Borrower who requested a COVID-19 Forbearance on or before May 31, 2023 due to COVID-19 impact, can [LENDER] evidence that a COVID-19 Forbearance was offered regardless of the Borrower's Default status or delinquency status?
  workflow_phase: servicing
  owner_role: default_servicing_analyst
  secondary_owner_role: compliance_officer
  cadence: per-borrower-request
  consequence: ''
  tags:
  - round-b
  - regulator-direct
  - hud-ml
  - fha
  - servicing
  - forbearance
  - covid-19
  - promoted
  primary_source:
    tier: 1
    authority: "HUD ML 2023-08 — III.A.2.o.i(B)"
    source_class: hud-ml-pdf
    source_url: https://www.hud.gov/sites/dfiles/OCHCO/documents/2023-08hsgml.pdf
    snapshot_id: 44aeb86007584113
    fetched_at: '2026-05-22T19:57:04Z'
    content_hash: sha256:5f18c07b34ad2d44eb510da9f36796e889c1621cdc36877a626342a8e223e390
    paragraph_quote: "Upon Borrower request, Mortgagees must offer a COVID-19 Forbearance \nto any Borrower that experiences an adverse impact on their ability to make \non-time Mortgage Payments due to the COVID-19 pandemic, regardless of \nDefault status."
    drafter_attestation: 'Copied verbatim from snapshot 44aeb86007584113 (content.txt) at

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

      Forbearance offer-on-request standard incorporated into Handbook

      4000.1 III.A.2.o.i(B) by ML 2023-08.

      '
  promoted_at: '2026-05-22T20:56:15+00:00'
  promoted_from: hud-ml-2023-08-roundb-v1.yaml
  program_review: Does the program account for the on-request COVID forbearance entitlement — offering a COVID-19 Forbearance to any adversely-impacted Borrower regardless of Default/delinquency status, on request (through May 31, 2023)?
  file_review: Spot-check COVID-forbearance requests through May 31, 2023; confirm a forbearance was offered regardless of Default/delinquency status.
  judgment: false
- id: hud-ml-2023-08-forbearance-period-cap-nov-30
  canonical_id: hud-ml-2023-08-forbearance-period-cap-nov-30
  section: "HUD ML 2023-08 — Maximum Forbearance Period Cap (III.A.2.o.i(B))"
  description: 'No COVID-19 Forbearance period that [LENDER] offers may extend beyond

    November 30, 2023.

    '
  type: dont
  audit_question: Can [LENDER] demonstrate that no COVID-19 Forbearance period extended any FHA-insured Borrower beyond November 30, 2023?
  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
  - forbearance
  - covid-19
  - sunset-date
  - promoted
  primary_source:
    tier: 1
    authority: "HUD ML 2023-08 — III.A.2.o.i(B)"
    source_class: hud-ml-pdf
    source_url: https://www.hud.gov/sites/dfiles/OCHCO/documents/2023-08hsgml.pdf
    snapshot_id: 44aeb86007584113
    fetched_at: '2026-05-22T19:57:04Z'
    content_hash: sha256:5f18c07b34ad2d44eb510da9f36796e889c1621cdc36877a626342a8e223e390
    paragraph_quote: No COVID-19 Forbearance period may extend beyond November 30, 2023.
    drafter_attestation: 'Copied verbatim from snapshot 44aeb86007584113 (content.txt) at

      2026-05-22T20:00Z. Substring is the November 30, 2023 maximum

      forbearance period cap incorporated into Handbook 4000.1

      III.A.2.o.i(B) by ML 2023-08.

      '
  promoted_at: '2026-05-22T20:56:15+00:00'
  promoted_from: hud-ml-2023-08-roundb-v1.yaml
  program_review: Do the P&Ps ensure no COVID-19 Forbearance period extends beyond November 30, 2023?
  file_review: Spot-check COVID-forbearance plans; confirm no forbearance period extended beyond November 30, 2023.
  judgment: false
- id: hud-ml-2023-08-late-charges-waived
  canonical_id: hud-ml-2023-08-late-charges-waived
  section: "HUD ML 2023-08 — Late Charges, Fees, and Penalties Waived (III.A.2.o.i(B))"
  description: '[LENDER] must waive all Late Charges, fees, and penalties, if any, as long

    as the Borrower is on a COVID-19 Forbearance Plan.

    '
  type: do
  audit_question: For every Borrower on a COVID-19 Forbearance Plan, can [LENDER] evidence that all Late Charges, fees, and penalties accrued during the forbearance period were waived?
  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
  - forbearance
  - covid-19
  - fee-waiver
  - promoted
  primary_source:
    tier: 1
    authority: "HUD ML 2023-08 — III.A.2.o.i(B)"
    source_class: hud-ml-pdf
    source_url: https://www.hud.gov/sites/dfiles/OCHCO/documents/2023-08hsgml.pdf
    snapshot_id: 44aeb86007584113
    fetched_at: '2026-05-22T19:57:04Z'
    content_hash: sha256:5f18c07b34ad2d44eb510da9f36796e889c1621cdc36877a626342a8e223e390
    paragraph_quote: "The Mortgagee must waive all Late Charges, fees, and penalties, if any, as \nlong as the Borrower is on a COVID-19 Forbearance Plan."
    drafter_attestation: 'Copied verbatim from snapshot 44aeb86007584113 (content.txt) at

      2026-05-22T20:00Z. Substring is the Late Charge / fee / penalty

      waiver requirement incorporated into Handbook 4000.1

      III.A.2.o.i(B) by ML 2023-08.

      '
  promoted_at: '2026-05-22T20:56:15+00:00'
  promoted_from: hud-ml-2023-08-roundb-v1.yaml
  program_review: Do the P&Ps ensure all Late Charges, fees, and penalties are waived while a Borrower is on a COVID-19 Forbearance Plan?
  file_review: Spot-check accounts on a COVID-19 Forbearance Plan; confirm Late Charges/fees/penalties accrued during forbearance were waived.
  judgment: false
_promotion_history:
- promoted_at: '2026-05-22T20:56:15+00:00'
  candidate_path: obligations\_remediation\_round_b_drafts\hud-ml-2023-08-roundb-v1.yaml
  candidates_promoted: 3
  candidates_skipped_existing: 0
