source:
  type: regulation
  id: va-38cfr-36.4317
  authority: 38 CFR §36.4317 — Servicer reporting requirements
  description: '38 CFR §36.4317 imposes the VA servicer-reporting framework: all

    servicing data must be reported electronically; monthly basic-loan

    information is due no later than the 7th calendar day of each month;

    31 specific loan events (paid-in-full, ownership transfer, EDN at 61+

    days delinquent, delinquency status, bankruptcy filing/update, loss-

    mit letter sent, loan-mod approval/completion, foreclosure referral/

    sale/results, transfer-of-custody, claim filing, etc.) are reported

    under event-specific 7-day or 15-day or longer deadlines.

    '
obligations:
- id: va-38cfr-36.4317-a
  canonical_id: va-38cfr-36.4317-a
  section: 38 CFR §36.4317(a)
  description: '(a): (a) Servicers of loans guaranteed by the Secretary shall report the information required
    by this section to the Secretary electronically. The Secretary shall accept electronic submission
    from each entity servicing loans guaranteed under 38 U.S.C. chapter 37 not later than the effective
    date of this …'
  type: do
  tags:
  - regulator-direct
  - section-complete
  - cfpb-regulation
  primary_source:
    tier: 1
    authority: 38 CFR §36.4317(a)
    source_class: va-regulation
    source_url: https://www.law.cornell.edu/cfr/text/38/36.4317
    snapshot_id: c8b7bb1fc6299245
    fetched_at: '2026-05-24T19:34:34Z'
    content_hash: sha256:667b822a7b7a562b452e0f522001512ade531de8a07040a7b6b6b055cb320edb
    paragraph_quote: (a) Servicers of loans guaranteed by the Secretary shall report the information required
      by this section to the Secretary electronically. The Secretary shall accept electronic submission
      from each entity servicing loans guaranteed under 38 U.S.C. chapter 37 not later than the effective
      date of this rule.
    drafter_attestation: Verbatim subsection of 38 CFR §36.4317 from Cornell LII snapshot c8b7bb1fc6299245;
      body isolated between nav and notes; substring-verified.
  judgment: false
- id: va-38cfr-36.4317-b
  canonical_id: va-38cfr-36.4317-b
  section: 38 CFR §36.4317(b)
  description: '(b): (b) Not later than the seventh calendar day of each month each servicer shall report
    to the Secretary basic information (loan identification information , payment due date, and unpaid
    principal balance) for every loan guaranteed by the Secretary currently being serviced by that entity,
    unless previo…'
  type: do
  tags:
  - regulator-direct
  - section-complete
  - cfpb-regulation
  primary_source:
    tier: 1
    authority: 38 CFR §36.4317(a)
    source_class: va-regulation
    source_url: https://www.law.cornell.edu/cfr/text/38/36.4317
    snapshot_id: c8b7bb1fc6299245
    fetched_at: '2026-05-24T19:34:34Z'
    content_hash: sha256:667b822a7b7a562b452e0f522001512ade531de8a07040a7b6b6b055cb320edb
    paragraph_quote: (b) Not later than the seventh calendar day of each month each servicer shall report
      to the Secretary basic information (loan identification information , payment due date, and unpaid
      principal balance) for every loan guaranteed by the Secretary currently being serviced by that entity,
      unless previously reported under paragraph (c)(7) of this section and has not reinstated, terminated,
      or paid in full.
    drafter_attestation: Verbatim subsection of 38 CFR §36.4317 from Cornell LII snapshot c8b7bb1fc6299245;
      body isolated between nav and notes; substring-verified.
  judgment: false
- id: va-38cfr-36.4317-c
  canonical_id: va-38cfr-36.4317-c
  section: 38 CFR §36.4317(c)
  description: '(c): (c) Servicers shall report to the Secretary the following specific loan events in
    accordance with the timeframes described for each event. Unless otherwise specified herein, the servicer
    shall report these events on a monthly basis ( i.e. , no later than the 7th calendar day of the month
    following t…'
  type: do
  tags:
  - regulator-direct
  - section-complete
  - cfpb-regulation
  primary_source:
    tier: 1
    authority: 38 CFR §36.4317(a)
    source_class: va-regulation
    source_url: https://www.law.cornell.edu/cfr/text/38/36.4317
    snapshot_id: c8b7bb1fc6299245
    fetched_at: '2026-05-24T19:34:34Z'
    content_hash: sha256:667b822a7b7a562b452e0f522001512ade531de8a07040a7b6b6b055cb320edb
    paragraph_quote: '(c) Servicers shall report to the Secretary the following specific loan events in
      accordance with the timeframes described for each event. Unless otherwise specified herein, the
      servicer shall report these events on a monthly basis ( i.e. , no later than the 7th calendar day
      of the month following the month in which the event occurred) only for delinquent loans in its portfolio.
      (1) Loan paid in full—when the loan obligation has been fully satisfied by receipt of funds and
      not a servicing transfer. The servicer shall report this event regardless of delinquency status.
      (2) Authorized transfer of ownership—when the servicer learns that an authorized transfer of ownership
      has been completed. The servicer shall report this event regardless of delinquency status. (3) Release
      of liability—when an obligor has been released from liability. The servicer shall report this event
      regardless of delinquency status. (4) Partial release of security—when the holder has released the
      lien on a part of the security for the loan pursuant to § 36.4327 . The servicer shall report this
      event regardless of delinquency status. (5) Servicing transfer (transferring servicer)—when a holder
      transfers the loan to another servicer . (6) Servicing transfer (receiving servicer)—when a servicer
      boards the loan . (7) Electronic Default Notification (EDN)—when the loan becomes at least 61 days
      delinquent. The servicer shall report this event no later than the 7th calendar day from when the
      event occurred. The servicer shall report this event only once per default for delinquent loans
      in its portfolio. (8) Delinquency status—when the servicer notifies VA of any updates to the delinquency
      information on loans for which an EDN has been submitted. The servicer shall report this event monthly
      ( i.e. , no later than the 7th calendar day of the month following the month for which the reported
      information applies) until the default cures or the loan terminates. (9) Contact information change—when
      there is a change to the contact information for current owners or a property or mailing address
      change. (10) Occupancy status change—when there is a change in property occupancy status. (11) Bankruptcy
      filed—when any owner files a petition under the Bankruptcy Code. The servicer shall report this
      event no later than the 7th calendar day from when the event occurred. The servicer shall report
      this event only on delinquent loans in its portfolio, if appropriate, or with the EDN when it is
      reported. (12) Bankruptcy update—when a significant event related to the bankruptcy has occurred.
      The servicer shall report this event no later than the 7th calendar day from when the event occurred.
      The servicer shall report this event only on delinquent loans in its portfolio, if appropriate,
      or with the EDN when it is reported. (13) Loss mitigation letter sent—when the servicer sends the
      loss mitigation letter to the borrower as required by § 36.4350(g)(1)(iv) . (14) Partial payment
      returned—when the servicer returns a partial payment to the borrower. (15) Default cured/loan reinstated—when
      a previously reported default ( i.e. , an EDN was filed) has cured/loan reinstated. (16) Default
      reported to credit bureau—when the servicer notifies the credit bureaus of a defaulted loan or loan
      termination. The servicer shall report this event only on delinquent loans in its portfolio, and
      shall report the first occurrence only. (17) Repayment plan approved—when the servicer approves
      a repayment plan . (18) Special forbearance approved—when the servicer approves a special forbearance
      . (19) Loan modification approved—when the servicer approves a loan modification. (20) Loan modification
      complete—when both the servicer (and/or the holder , where necessary) and the owner(s) have executed
      the modification agreement. (21) Short sale complete—when a short sale closes. (22) Deed-in-lieu
      of foreclosure complete—when the servicer records the deed-in-lieu of foreclosure. The servicer
      shall report this no later than the 7th calendar day from when the event occurred. (23) Foreclosure
      referral—when the loan is referred to legal counsel for foreclosure. The servicer shall report this
      no later than the 7th calendar day from when the event occurred. (24) Foreclosure sale scheduled—when
      the foreclosure sale is scheduled. The servicer shall report this no later than the 7th calendar
      day from when the event occurred. (25) Results of sale—when the foreclosure sale is complete, the
      servicer reports the results of the foreclosure sale. The servicer shall report this no later than
      the 7th calendar day from when the event occurred. (26) Transfer of custody—when the servicer notifies
      VA of the holder ''s intent to convey the property. The servicer shall report this no later than
      the 15th calendar day from the date of liquidation sale (such as the date of foreclosure sale, date
      of recordation of a deed-in-lieu of foreclosure, or confirmation/ratification of sale date when
      required under local practice). (27) Improper transfer of custody—when the servicer discovers that
      the conveyance of the property to VA was improper. The servicer shall report this no later than
      the 7th calendar day from when the error is discovered. (28) Invalid sale results—when the foreclosure
      sale is invalid. The servicer shall report this no later than the 7th calendar day from discovery
      of the event that invalidated the sale. (29) Confirmed sale date with no transfer of custody—when
      the loan is terminated, the property is not conveyed, and the property is located in a confirmation/ratification
      of sale state. (30) Basic claim information—when the servicer files a claim under guaranty . The
      servicer shall report this event within 365 calendar days of loan termination for non-VA purchase
      claims, and within 60 calendar days of the approval date for VA purchase claims. (31) VA purchase
      settlement—when VA purchases a loan and the servicer reports the tax and insurance information .
      The servicer shall report this event within 60 calendar days of the VA purchase approval date. (The
      Office of Management and Budget has approved the information collection requirements in this section
      under control number 2900-0021) (Authority: 38 U.S.C. 3703(c) , 3732 ) [ 73 FR 6310 , Feb. 1, 2008.
      Redesignated at 75 FR 33705 , June 15, 2010, as amended at 75 FR 65238 , Oct. 22, 2010; 89 FR 25144
      , Apr. 10, 2024] CFR Toolbox Law about... Articles from Wex Table of Popular Names Parallel Table
      of Authorities Accessibility About LII Contact us Advertise here Help Terms of use Privacy'
    drafter_attestation: Verbatim subsection of 38 CFR §36.4317 from Cornell LII snapshot c8b7bb1fc6299245;
      body isolated between nav and notes; substring-verified.
  judgment: false
