source:
  type: regulation
  id: va-38cfr-36.4350
  authority: 38 CFR §36.4350 — Servicing procedures for holders
  description: '38 CFR §36.4350 sets the VA loan-servicing program requirements for

    holders.

    '
obligations:
- id: va-38cfr-36.4350-a
  canonical_id: va-38cfr-36.4350-a
  section: 38 CFR §36.4350(a)
  description: '(a): (a) Establishment of loan servicing program. The holder of a loan guaranteed or insured
    by the Secretary shall develop and maintain a loan servicing program which follows accepted industry
    standards for servicing of similar type conventional loans. The loan servicing program established
    pursuant to …'
  type: do
  tags:
  - regulator-direct
  - section-complete
  - cfpb-regulation
  primary_source:
    tier: 1
    authority: 38 CFR §36.4350(a)
    source_class: va-regulation
    source_url: https://www.law.cornell.edu/cfr/text/38/36.4350
    snapshot_id: 03b2e0c318d94fc1
    fetched_at: '2026-05-22T18:52:47Z'
    content_hash: sha256:e1ccf2e0b9afe10b1bebb3ec11ef62e404ced2b598479c08ee3a01a652adf3f0
    paragraph_quote: (a) Establishment of loan servicing program. The holder of a loan guaranteed or insured
      by the Secretary shall develop and maintain a loan servicing program which follows accepted industry
      standards for servicing of similar type conventional loans. The loan servicing program established
      pursuant to this section may employ different servicing approaches to fit individual borrower circumstances
      and avoid establishing a fixed routine. However, it must incorporate each of the provisions specified
      in paragraphs (b) through (l) of this section.
    drafter_attestation: Verbatim subsection of 38 CFR §36.4350 from Cornell LII snapshot 03b2e0c318d94fc1;
      body isolated between nav and notes; substring-verified.
  judgment: false
- id: va-38cfr-36.4350-b
  canonical_id: va-38cfr-36.4350-b
  section: 38 CFR §36.4350(b)
  description: '(b): (b) Procedures for providing information. (1) Loan holders shall establish procedures
    to provide loan information to borrowers, arrange for individual loan consultations upon request and
    maintain controls to assure prompt responses to inquiries. One or more of the following means of making
    informati…'
  type: do
  tags:
  - regulator-direct
  - section-complete
  - cfpb-regulation
  primary_source:
    tier: 1
    authority: 38 CFR §36.4350(a)
    source_class: va-regulation
    source_url: https://www.law.cornell.edu/cfr/text/38/36.4350
    snapshot_id: 03b2e0c318d94fc1
    fetched_at: '2026-05-22T18:52:47Z'
    content_hash: sha256:e1ccf2e0b9afe10b1bebb3ec11ef62e404ced2b598479c08ee3a01a652adf3f0
    paragraph_quote: (b) Procedures for providing information. (1) Loan holders shall establish procedures
      to provide loan information to borrowers, arrange for individual loan consultations upon request
      and maintain controls to assure prompt responses to inquiries. One or more of the following means
      of making information readily available to borrowers is required.
    drafter_attestation: Verbatim subsection of 38 CFR §36.4350 from Cornell LII snapshot 03b2e0c318d94fc1;
      body isolated between nav and notes; substring-verified.
  judgment: false
- id: va-38cfr-36.4350-i
  canonical_id: va-38cfr-36.4350-i
  section: 38 CFR §36.4350(i)
  description: '(i): (i) An office staffed with trained servicing personnel with access to loan account
    information located within 200 miles of the property. (ii) Toll-free telephone service or acceptance
    of collect telephone calls at an office capable of providing needed information . (2) All borrowers
    must be informed…'
  type: do
  tags:
  - regulator-direct
  - section-complete
  - cfpb-regulation
  primary_source:
    tier: 1
    authority: 38 CFR §36.4350(a)
    source_class: va-regulation
    source_url: https://www.law.cornell.edu/cfr/text/38/36.4350
    snapshot_id: 03b2e0c318d94fc1
    fetched_at: '2026-05-22T18:52:47Z'
    content_hash: sha256:e1ccf2e0b9afe10b1bebb3ec11ef62e404ced2b598479c08ee3a01a652adf3f0
    paragraph_quote: (i) An office staffed with trained servicing personnel with access to loan account
      information located within 200 miles of the property. (ii) Toll-free telephone service or acceptance
      of collect telephone calls at an office capable of providing needed information . (2) All borrowers
      must be informed of the system available for obtaining answers to loan inquiries, the office from
      which the needed information may be obtained, and reminded of the system at least annually.
    drafter_attestation: Verbatim subsection of 38 CFR §36.4350 from Cornell LII snapshot 03b2e0c318d94fc1;
      body isolated between nav and notes; substring-verified.
  judgment: false
- id: va-38cfr-36.4350-c
  canonical_id: va-38cfr-36.4350-c
  section: 38 CFR §36.4350(c)
  description: '(c): (c) Statement for income tax purposes. Before February 1st of each calendar year,
    the holder shall furnish to the borrower a statement of the interest paid and, if applicable, a statement
    of the taxes disbursed from the escrow account during the preceding year. At the borrower''s request,
    the holder …'
  type: do
  tags:
  - regulator-direct
  - section-complete
  - cfpb-regulation
  primary_source:
    tier: 1
    authority: 38 CFR §36.4350(a)
    source_class: va-regulation
    source_url: https://www.law.cornell.edu/cfr/text/38/36.4350
    snapshot_id: 03b2e0c318d94fc1
    fetched_at: '2026-05-22T18:52:47Z'
    content_hash: sha256:e1ccf2e0b9afe10b1bebb3ec11ef62e404ced2b598479c08ee3a01a652adf3f0
    paragraph_quote: (c) Statement for income tax purposes. Before February 1st of each calendar year,
      the holder shall furnish to the borrower a statement of the interest paid and, if applicable, a
      statement of the taxes disbursed from the escrow account during the preceding year. At the borrower's
      request, the holder shall furnish a statement of the escrow account sufficient to enable the borrower
      to reconcile the account.
    drafter_attestation: Verbatim subsection of 38 CFR §36.4350 from Cornell LII snapshot 03b2e0c318d94fc1;
      body isolated between nav and notes; substring-verified.
  judgment: false
- id: va-38cfr-36.4350-d
  canonical_id: va-38cfr-36.4350-d
  section: 38 CFR §36.4350(d)
  description: '(d): (d) Change of servicing. Whenever servicing of a loan guaranteed or insured by the
    Secretary is transferred from one holder to another, notice of such transfer by both the transferor
    and transferee, the form and content of such notice, the timing of such notice, the treatment of payments
    during the …'
  type: do
  tags:
  - regulator-direct
  - section-complete
  - cfpb-regulation
  primary_source:
    tier: 1
    authority: 38 CFR §36.4350(a)
    source_class: va-regulation
    source_url: https://www.law.cornell.edu/cfr/text/38/36.4350
    snapshot_id: 03b2e0c318d94fc1
    fetched_at: '2026-05-22T18:52:47Z'
    content_hash: sha256:e1ccf2e0b9afe10b1bebb3ec11ef62e404ced2b598479c08ee3a01a652adf3f0
    paragraph_quote: (d) Change of servicing. Whenever servicing of a loan guaranteed or insured by the
      Secretary is transferred from one holder to another, notice of such transfer by both the transferor
      and transferee, the form and content of such notice, the timing of such notice, the treatment of
      payments during the period of such transfer, and damages and costs for failure to comply with these
      requirements shall be governed by the pertinent provisions of the Real Estate Settlement Procedures
      Act as administered by the Department of Housing and Urban Development .
    drafter_attestation: Verbatim subsection of 38 CFR §36.4350 from Cornell LII snapshot 03b2e0c318d94fc1;
      body isolated between nav and notes; substring-verified.
  judgment: false
- id: va-38cfr-36.4350-e
  canonical_id: va-38cfr-36.4350-e
  section: 38 CFR §36.4350(e)
  description: '(e): (e) Escrow accounts. A holder of a loan guaranteed or insured by the Secretary may
    collect periodic deposits from the borrower for taxes and/or insurance on the security and maintain
    a tax and insurance escrow account provided such a requirement is authorized under the terms of the
    security instrume…'
  type: do
  tags:
  - regulator-direct
  - section-complete
  - cfpb-regulation
  primary_source:
    tier: 1
    authority: 38 CFR §36.4350(a)
    source_class: va-regulation
    source_url: https://www.law.cornell.edu/cfr/text/38/36.4350
    snapshot_id: 03b2e0c318d94fc1
    fetched_at: '2026-05-22T18:52:47Z'
    content_hash: sha256:e1ccf2e0b9afe10b1bebb3ec11ef62e404ced2b598479c08ee3a01a652adf3f0
    paragraph_quote: (e) Escrow accounts. A holder of a loan guaranteed or insured by the Secretary may
      collect periodic deposits from the borrower for taxes and/or insurance on the security and maintain
      a tax and insurance escrow account provided such a requirement is authorized under the terms of
      the security instruments. In maintaining such accounts, the holder shall comply with the pertinent
      provisions of the Real Estate Settlement Procedures Act .
    drafter_attestation: Verbatim subsection of 38 CFR §36.4350 from Cornell LII snapshot 03b2e0c318d94fc1;
      body isolated between nav and notes; substring-verified.
  judgment: false
- id: va-38cfr-36.4350-f
  canonical_id: va-38cfr-36.4350-f
  section: 38 CFR §36.4350(f)
  description: '(f): (f) System for servicing delinquent loans. In addition to the requirements of the
    Real Estate Settlement Procedures Act , concerning the duties of the loan servicer to respond to borrower
    inquiries, to protect the borrower''s credit rating during a payment dispute period, and to pay damages
    and costs…'
  type: do
  tags:
  - regulator-direct
  - section-complete
  - cfpb-regulation
  primary_source:
    tier: 1
    authority: 38 CFR §36.4350(a)
    source_class: va-regulation
    source_url: https://www.law.cornell.edu/cfr/text/38/36.4350
    snapshot_id: 03b2e0c318d94fc1
    fetched_at: '2026-05-22T18:52:47Z'
    content_hash: sha256:e1ccf2e0b9afe10b1bebb3ec11ef62e404ced2b598479c08ee3a01a652adf3f0
    paragraph_quote: '(f) System for servicing delinquent loans. In addition to the requirements of the
      Real Estate Settlement Procedures Act , concerning the duties of the loan servicer to respond to
      borrower inquiries, to protect the borrower''s credit rating during a payment dispute period, and
      to pay damages and costs for noncompliance, holders shall establish a system for servicing delinquent
      loans which ensures that prompt action is taken to collect amounts due from borrowers and minimize
      the number of loans in a default status. The holder ''s servicing system must include the following:
      (1) An accounting system which promptly alerts servicing personnel when a loan becomes delinquent;
      (2) A collection staff which is trained in techniques of loan servicing and counseling delinquent
      borrowers to advise borrowers how to cure delinquencies, protect their equity and credit rating
      and, if the default is insoluble, pursue alternatives to foreclosure; (3) Procedural guidelines
      for individual analysis of each delinquency; (4) Instructions and appropriate controls for sending
      delinquent notices, assessing late charges, handling partial payments, maintaining servicing histories
      and evaluating repayment proposals; (5) Management review procedures for evaluating efforts made
      to collect the delinquency and the response from the borrower before a decision is made to initiate
      action to liquidate a loan ; (6) Procedures for reporting delinquencies of 90 days or more and loan
      terminations to major consumer credit bureaus as specified by the Secretary and for informing borrowers
      that such action will be taken; and (7) Controls to ensure that all notices required to be given
      to the Secretary on delinquent loans are provided timely and in such form as the Secretary shall
      require.'
    drafter_attestation: Verbatim subsection of 38 CFR §36.4350 from Cornell LII snapshot 03b2e0c318d94fc1;
      body isolated between nav and notes; substring-verified.
  judgment: false
- id: va-38cfr-36.4350-g
  canonical_id: va-38cfr-36.4350-g
  section: 38 CFR §36.4350(g)
  description: '(g): (g) Collection actions. (1) Holders shall employ collection techniques which provide
    flexibility to adapt to the individual needs and circumstances of each borrower. A variety of collection
    techniques may be used based on the holder ''s determination of the most effective means of contact
    with borrow…'
  type: do
  tags:
  - regulator-direct
  - section-complete
  - cfpb-regulation
  primary_source:
    tier: 1
    authority: 38 CFR §36.4350(a)
    source_class: va-regulation
    source_url: https://www.law.cornell.edu/cfr/text/38/36.4350
    snapshot_id: 03b2e0c318d94fc1
    fetched_at: '2026-05-22T18:52:47Z'
    content_hash: sha256:e1ccf2e0b9afe10b1bebb3ec11ef62e404ced2b598479c08ee3a01a652adf3f0
    paragraph_quote: '(g) Collection actions. (1) Holders shall employ collection techniques which provide
      flexibility to adapt to the individual needs and circumstances of each borrower. A variety of collection
      techniques may be used based on the holder ''s determination of the most effective means of contact
      with borrowers during various stages of delinquency. However, at a minimum the holder ''s collection
      procedures must include the following actions:'
    drafter_attestation: Verbatim subsection of 38 CFR §36.4350 from Cornell LII snapshot 03b2e0c318d94fc1;
      body isolated between nav and notes; substring-verified.
  judgment: false
- id: va-38cfr-36.4350-i
  canonical_id: va-38cfr-36.4350-i
  section: 38 CFR §36.4350(i)
  description: '(i): (i) An effort, concurrent with the initial late payment notice to establish contact
    with the borrower(s) by telephone. When talking with the borrower(s), the holder should attempt to
    determine why payment was not made and emphasize the importance of remitting loan installments as
    they come due. (ii)…'
  type: do
  tags:
  - regulator-direct
  - section-complete
  - cfpb-regulation
  primary_source:
    tier: 1
    authority: 38 CFR §36.4350(a)
    source_class: va-regulation
    source_url: https://www.law.cornell.edu/cfr/text/38/36.4350
    snapshot_id: 03b2e0c318d94fc1
    fetched_at: '2026-05-22T18:52:47Z'
    content_hash: sha256:e1ccf2e0b9afe10b1bebb3ec11ef62e404ced2b598479c08ee3a01a652adf3f0
    paragraph_quote: '(i) An effort, concurrent with the initial late payment notice to establish contact
      with the borrower(s) by telephone. When talking with the borrower(s), the holder should attempt
      to determine why payment was not made and emphasize the importance of remitting loan installments
      as they come due. (ii) A letter to the borrower(s) if payment has not been received within 30 days
      after it is due and telephone contact could not be made. This letter should emphasize the seriousness
      of the delinquency and the importance of taking prompt action to resolve the default . It should
      also notify the borrower(s) that the loan is in default , state the total amount due and advise
      the borrower(s) how to contact the holder to make arrangements for curing the default . (iii) In
      the event the holder has not established contact with the borrower(s) and has not determined the
      financial circumstances of the borrower(s) or established a reason for the default or obtained agreement
      to a repayment plan from the borrower(s), then a face-to-face interview with the borrower(s) or
      a reasonable effort to arrange such a meeting is required. (iv) (A) A letter to the borrower if
      payment has not been received: (1) In the case of a default occurring within the first 6 months
      following loan closing or the execution of a modification agreement pursuant to § 36.4315, within
      45 calendar days after such payment was due; or (2) In the case of any other default , within 75
      calendar days after such payment was due. (B) The letter required by paragraph (g)(1)(iv)(A) must
      be mailed no later than 7 calendar days after the payment is delinquent for the time period stated
      in paragraph (g)(1)(iv)(A) and shall: (1) Provide the borrower with a toll-free telephone number
      and, if available, an e-mail address for contacting the servicer ; (2) Explain loss mitigation options
      available to the borrower; (3) Emphasize that the intent of servicing is to retain home ownership
      whenever possible; and (4) Contain the following language: The delinquency of your mortgage loan
      is a serious matter that could result in the loss of your home . If you are the veteran whose entitlement
      was used to obtain this loan , you can also lose your entitlement to a future VA home loan guaranty
      . If you are not already working with us to resolve the delinquency, please call us to discuss your
      workout options. You may be able to make special payment arrangements that will reinstate your loan
      . You may also qualify for a repayment plan or loan modification. VA has guaranteed a portion of
      your loan and wants to ensure that you receive every reasonable opportunity to bring your loan current
      and retain your home . VA can also answer any questions you have regarding your entitlement. If
      you have access to the Internet and would like to obtain more information , you may access the VA
      web site at www.va.gov. You may also learn where to speak to a VA Loan Administration representative
      by calling 1-800-827-1000. (2) The holder must provide a valid explanation of any failure to perform
      these collection actions when reporting loan defaults to the Secretary . A pattern of such failure
      may be a basis for sanctions under 2 CFR parts 180 and 801 .'
    drafter_attestation: Verbatim subsection of 38 CFR §36.4350 from Cornell LII snapshot 03b2e0c318d94fc1;
      body isolated between nav and notes; substring-verified.
  judgment: false
- id: va-38cfr-36.4350-h
  canonical_id: va-38cfr-36.4350-h
  section: 38 CFR §36.4350(h)
  description: '(h): (h) Conducting interviews with delinquent borrowers. When personal contact with the
    borrower(s) is established, the holder shall solicit sufficient information to properly evaluate the
    prospects for curing the default and whether the granting of forbearance or other relief assistance
    would be approp…'
  type: do
  tags:
  - regulator-direct
  - section-complete
  - cfpb-regulation
  primary_source:
    tier: 1
    authority: 38 CFR §36.4350(a)
    source_class: va-regulation
    source_url: https://www.law.cornell.edu/cfr/text/38/36.4350
    snapshot_id: 03b2e0c318d94fc1
    fetched_at: '2026-05-22T18:52:47Z'
    content_hash: sha256:e1ccf2e0b9afe10b1bebb3ec11ef62e404ced2b598479c08ee3a01a652adf3f0
    paragraph_quote: '(h) Conducting interviews with delinquent borrowers. When personal contact with
      the borrower(s) is established, the holder shall solicit sufficient information to properly evaluate
      the prospects for curing the default and whether the granting of forbearance or other relief assistance
      would be appropriate. At a minimum, the holder must make a reasonable effort to establish the following:
      (1) The reason for the default and whether the reason is a temporary or permanent condition; (2)
      The present income and employment of the borrower(s); (3) The current monthly expenses of the borrower(s)
      including household and debt obligations; (4) The current mailing address and telephone number of
      the borrower(s); and (5) A realistic and mutually satisfactory arrangement for curing the default
      .'
    drafter_attestation: Verbatim subsection of 38 CFR §36.4350 from Cornell LII snapshot 03b2e0c318d94fc1;
      body isolated between nav and notes; substring-verified.
  judgment: false
- id: va-38cfr-36.4350-i
  canonical_id: va-38cfr-36.4350-i
  section: 38 CFR §36.4350(i)
  description: '(i): (i) Property inspections. (1) The holder shall make an inspection of the property
    securing the loan whenever it becomes aware that the physical condition of the security may be in
    jeopardy. Unless a repayment agreement is in effect, a property inspection shall also be made at the
    following times:'
  type: do
  tags:
  - regulator-direct
  - section-complete
  - cfpb-regulation
  primary_source:
    tier: 1
    authority: 38 CFR §36.4350(a)
    source_class: va-regulation
    source_url: https://www.law.cornell.edu/cfr/text/38/36.4350
    snapshot_id: 03b2e0c318d94fc1
    fetched_at: '2026-05-22T18:52:47Z'
    content_hash: sha256:e1ccf2e0b9afe10b1bebb3ec11ef62e404ced2b598479c08ee3a01a652adf3f0
    paragraph_quote: '(i) Property inspections. (1) The holder shall make an inspection of the property
      securing the loan whenever it becomes aware that the physical condition of the security may be in
      jeopardy. Unless a repayment agreement is in effect, a property inspection shall also be made at
      the following times:'
    drafter_attestation: Verbatim subsection of 38 CFR §36.4350 from Cornell LII snapshot 03b2e0c318d94fc1;
      body isolated between nav and notes; substring-verified.
  judgment: false
- id: va-38cfr-36.4350-i
  canonical_id: va-38cfr-36.4350-i
  section: 38 CFR §36.4350(i)
  description: '(i): (i) Before the 60th day of delinquency or before initiating action to liquidate a
    loan , whichever is earlier; and (ii) At least once each month after liquidation proceedings have
    been started unless servicing information shows the property remains owner-occupied. (2) Whenever
    a holder obtains infor…'
  type: do
  tags:
  - regulator-direct
  - section-complete
  - cfpb-regulation
  primary_source:
    tier: 1
    authority: 38 CFR §36.4350(a)
    source_class: va-regulation
    source_url: https://www.law.cornell.edu/cfr/text/38/36.4350
    snapshot_id: 03b2e0c318d94fc1
    fetched_at: '2026-05-22T18:52:47Z'
    content_hash: sha256:e1ccf2e0b9afe10b1bebb3ec11ef62e404ced2b598479c08ee3a01a652adf3f0
    paragraph_quote: (i) Before the 60th day of delinquency or before initiating action to liquidate a
      loan , whichever is earlier; and (ii) At least once each month after liquidation proceedings have
      been started unless servicing information shows the property remains owner-occupied. (2) Whenever
      a holder obtains information which indicates that the property securing the loan is abandoned, it
      shall make appropriate arrangements to protect the property from vandalism and the elements. Thereafter,
      the holder shall schedule inspections at least monthly to prevent unnecessary deterioration due
      to vandalism, or neglect. With respect to any loan more than 60 calendar days delinquent, if the
      property is abandoned, this fact must be reported to the Secretary as required in § 36.4317(c)(10)
      and immediate action should be initiated by the servicer to terminate the loan once the abandonment
      has been confirmed.
    drafter_attestation: Verbatim subsection of 38 CFR §36.4350 from Cornell LII snapshot 03b2e0c318d94fc1;
      body isolated between nav and notes; substring-verified.
  judgment: false
- id: va-38cfr-36.4350-j
  canonical_id: va-38cfr-36.4350-j
  section: 38 CFR §36.4350(j)
  description: '(j): (j) Collection records. The holder shall maintain individual file records of collection
    action on delinquent loans and make such records available to the Secretary for inspection on request.
    Such collection records shall show: (1) The dates and content of letters and notices which were mailed
    to the…'
  type: do
  tags:
  - regulator-direct
  - section-complete
  - cfpb-regulation
  primary_source:
    tier: 1
    authority: 38 CFR §36.4350(a)
    source_class: va-regulation
    source_url: https://www.law.cornell.edu/cfr/text/38/36.4350
    snapshot_id: 03b2e0c318d94fc1
    fetched_at: '2026-05-22T18:52:47Z'
    content_hash: sha256:e1ccf2e0b9afe10b1bebb3ec11ef62e404ced2b598479c08ee3a01a652adf3f0
    paragraph_quote: '(j) Collection records. The holder shall maintain individual file records of collection
      action on delinquent loans and make such records available to the Secretary for inspection on request.
      Such collection records shall show: (1) The dates and content of letters and notices which were
      mailed to the borrower(s); (2) Dated summaries of each personal servicing contact and the result
      of same; (3) The indicated reason(s) for default ; and (4) The date and result of each property
      inspection.'
    drafter_attestation: Verbatim subsection of 38 CFR §36.4350 from Cornell LII snapshot 03b2e0c318d94fc1;
      body isolated between nav and notes; substring-verified.
  judgment: false
- id: va-38cfr-36.4350-k
  canonical_id: va-38cfr-36.4350-k
  section: 38 CFR §36.4350(k)
  description: '(k): (k) Quality control procedures. No later than 180 days after the effective date of
    this regulation, each loan holder shall establish internal controls to periodically assess the quality
    of the servicing performed on loans guaranteed by the Secretary and assure that all requirements of
    this section a…'
  type: do
  tags:
  - regulator-direct
  - section-complete
  - cfpb-regulation
  primary_source:
    tier: 1
    authority: 38 CFR §36.4350(a)
    source_class: va-regulation
    source_url: https://www.law.cornell.edu/cfr/text/38/36.4350
    snapshot_id: 03b2e0c318d94fc1
    fetched_at: '2026-05-22T18:52:47Z'
    content_hash: sha256:e1ccf2e0b9afe10b1bebb3ec11ef62e404ced2b598479c08ee3a01a652adf3f0
    paragraph_quote: '(k) Quality control procedures. No later than 180 days after the effective date
      of this regulation, each loan holder shall establish internal controls to periodically assess the
      quality of the servicing performed on loans guaranteed by the Secretary and assure that all requirements
      of this section are being met. Those procedures must provide for a review of the holder ''s servicing
      activities at least annually and include an evaluation of delinquency and foreclosure rates on loans
      in its portfolio which are guaranteed by the Secretary . As part of its evaluation of delinquency
      and foreclosure rates, the holder shall: (1) Collect and maintain appropriate data on delinquency
      and foreclosure rates to enable the holder to evaluate effectiveness of its collection efforts;
      (2) Determine how its VA delinquency and foreclosure rates compare with rates in reports published
      by the industry, investors and others; and, (3) Analyze significant variances between its foreclosure
      and delinquency rates and those found in available reports and publications and take appropriate
      corrective action.'
    drafter_attestation: Verbatim subsection of 38 CFR §36.4350 from Cornell LII snapshot 03b2e0c318d94fc1;
      body isolated between nav and notes; substring-verified.
  judgment: false
- id: va-38cfr-36.4350-l
  canonical_id: va-38cfr-36.4350-l
  section: 38 CFR §36.4350(l)
  description: '(l): (l) Provision of Data. Holders shall provide available statistical data on delinquency
    and foreclosure rates and their analysis of such data to the Secretary upon request. (The Office of
    Management and Budget has approved the information collection requirements in this section under Control
    Number 2…'
  type: do
  tags:
  - regulator-direct
  - section-complete
  - cfpb-regulation
  primary_source:
    tier: 1
    authority: 38 CFR §36.4350(a)
    source_class: va-regulation
    source_url: https://www.law.cornell.edu/cfr/text/38/36.4350
    snapshot_id: 03b2e0c318d94fc1
    fetched_at: '2026-05-22T18:52:47Z'
    content_hash: sha256:e1ccf2e0b9afe10b1bebb3ec11ef62e404ced2b598479c08ee3a01a652adf3f0
    paragraph_quote: (l) Provision of Data. Holders shall provide available statistical data on delinquency
      and foreclosure rates and their analysis of such data to the Secretary upon request. (The Office
      of Management and Budget has approved the information collection requirements in this section under
      Control Number 2900-0530) (Authority 38 U.S.C. 3703(c)(1) ) [ 73 FR 6310 , Feb. 1, 2008. Redesignated
      at 75 FR 33705 , June 15, 2010, as amended at 80 FR 34319 , June 16, 2015] 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 §36.4350 from Cornell LII snapshot 03b2e0c318d94fc1;
      body isolated between nav and notes; substring-verified.
  judgment: false
