source:
  type: regulation
  id: fha-24cfr-203.604
  authority: 24 CFR §203.604 — Contact with the mortgagor
  description: '24 CFR §203.604 requires the FHA-approved mortgagee to conduct (or make

    a reasonable effort to arrange) a meeting with the delinquent

    mortgagor before three full monthly installments are unpaid and at

    least 30 days before foreclosure is commenced.

    '
obligations:
- id: fha-24cfr-203.604-a
  canonical_id: fha-24cfr-203.604-a
  section: 24 CFR §203.604(a)
  description: '(a): (a) For mortgages insured pursuant to this part, except those mortgages insured on
    Indian Land pursuant to section 248 of the National Housing Act : (1) The mortgagee must conduct a
    meeting with the mortgagor, or make a reasonable effort to arrange such a meeting, before three full
    monthly installme…'
  type: do
  tags:
  - regulator-direct
  - section-complete
  - cfpb-regulation
  primary_source:
    tier: 1
    authority: 24 CFR §203.604(a)(1)
    source_class: fha-regulation
    source_url: https://www.law.cornell.edu/cfr/text/24/203.604
    snapshot_id: a253b3a4bb1532fd
    fetched_at: '2026-05-22T18:52:44Z'
    content_hash: sha256:5e599c636ceafbcaf8b9565e240e3c838d9c1fae0a3b93ed739f82f8c0e872e1
    paragraph_quote: '(a) For mortgages insured pursuant to this part, except those mortgages insured
      on Indian Land pursuant to section 248 of the National Housing Act : (1) The mortgagee must conduct
      a meeting with the mortgagor, or make a reasonable effort to arrange such a meeting, before three
      full monthly installments due on the mortgage are unpaid and at least 30 days before foreclosure
      is commenced, or at least 30 days before assignment is requested if the mortgage is insured on Hawaiian
      homelands pursuant to section 247 of the National Housing Act . The meeting with the mortgagor must
      be conducted in a manner as determined by the Secretary .'
    drafter_attestation: Verbatim subsection of 24 CFR §203.604 from Cornell LII snapshot a253b3a4bb1532fd;
      body isolated between nav and notes; substring-verified.
  judgment: false
- id: fha-24cfr-203.604-i
  canonical_id: fha-24cfr-203.604-i
  section: 24 CFR §203.604(i)
  description: '(i): (i) If default occurs on a repayment plan, the mortgagee must conduct a meeting with
    the mortgagor, or make a reasonable effort to arrange such a meeting, no later than 30 days after
    such default . (ii) [Reserved] (2) A meeting with the mortgagor is not required if:'
  type: do
  tags:
  - regulator-direct
  - section-complete
  - cfpb-regulation
  primary_source:
    tier: 1
    authority: 24 CFR §203.604(a)(1)
    source_class: fha-regulation
    source_url: https://www.law.cornell.edu/cfr/text/24/203.604
    snapshot_id: a253b3a4bb1532fd
    fetched_at: '2026-05-22T18:52:44Z'
    content_hash: sha256:5e599c636ceafbcaf8b9565e240e3c838d9c1fae0a3b93ed739f82f8c0e872e1
    paragraph_quote: '(i) If default occurs on a repayment plan, the mortgagee must conduct a meeting
      with the mortgagor, or make a reasonable effort to arrange such a meeting, no later than 30 days
      after such default . (ii) [Reserved] (2) A meeting with the mortgagor is not required if:'
    drafter_attestation: Verbatim subsection of 24 CFR §203.604 from Cornell LII snapshot a253b3a4bb1532fd;
      body isolated between nav and notes; substring-verified.
  judgment: false
- id: fha-24cfr-203.604-i
  canonical_id: fha-24cfr-203.604-i
  section: 24 CFR §203.604(i)
  description: '(i): (i) The mortgagor has clearly indicated that they will not cooperate in the meeting;
    (ii) The mortgagor is on a repayment plan to bring the mortgage current, and the mortgagor is meeting
    the terms of the repayment plan; or (iii) A reasonable effort to arrange a meeting with the mortgagor
    is unsucces…'
  type: do
  tags:
  - regulator-direct
  - section-complete
  - cfpb-regulation
  primary_source:
    tier: 1
    authority: 24 CFR §203.604(a)(1)
    source_class: fha-regulation
    source_url: https://www.law.cornell.edu/cfr/text/24/203.604
    snapshot_id: a253b3a4bb1532fd
    fetched_at: '2026-05-22T18:52:44Z'
    content_hash: sha256:5e599c636ceafbcaf8b9565e240e3c838d9c1fae0a3b93ed739f82f8c0e872e1
    paragraph_quote: (i) The mortgagor has clearly indicated that they will not cooperate in the meeting;
      (ii) The mortgagor is on a repayment plan to bring the mortgage current, and the mortgagor is meeting
      the terms of the repayment plan; or (iii) A reasonable effort to arrange a meeting with the mortgagor
      is unsuccessful. (3) A reasonable effort to arrange a meeting with the mortgagor shall consist of,
      at a minimum, two verifiable attempts to contact the mortgagor utilizing methods determined by the
      Secretary .
    drafter_attestation: Verbatim subsection of 24 CFR §203.604 from Cornell LII snapshot a253b3a4bb1532fd;
      body isolated between nav and notes; substring-verified.
  judgment: false
- id: fha-24cfr-203.604-b
  canonical_id: fha-24cfr-203.604-b
  section: 24 CFR §203.604(b)
  description: '(b): (b) For mortgages insured on Indian Land pursuant to section 248 of the National
    Housing Act : (1) The mortgagee must conduct a face-to-face meeting with the mortgagor, or make a
    reasonable effort to arrange such a meeting, before three full monthly installments due on the mortgage
    are unpaid and at…'
  type: do
  tags:
  - regulator-direct
  - section-complete
  - cfpb-regulation
  primary_source:
    tier: 1
    authority: 24 CFR §203.604(a)(1)
    source_class: fha-regulation
    source_url: https://www.law.cornell.edu/cfr/text/24/203.604
    snapshot_id: a253b3a4bb1532fd
    fetched_at: '2026-05-22T18:52:44Z'
    content_hash: sha256:5e599c636ceafbcaf8b9565e240e3c838d9c1fae0a3b93ed739f82f8c0e872e1
    paragraph_quote: '(b) For mortgages insured on Indian Land pursuant to section 248 of the National
      Housing Act : (1) The mortgagee must conduct a face-to-face meeting with the mortgagor, or make
      a reasonable effort to arrange such a meeting, before three full monthly installments due on the
      mortgage are unpaid and at least 30 days before assignment is requested.'
    drafter_attestation: Verbatim subsection of 24 CFR §203.604 from Cornell LII snapshot a253b3a4bb1532fd;
      body isolated between nav and notes; substring-verified.
  judgment: false
- id: fha-24cfr-203.604-i
  canonical_id: fha-24cfr-203.604-i
  section: 24 CFR §203.604(i)
  description: '(i): (i) If default occurs on a repayment plan arranged other than during a face-to-face
    meeting, the mortgagee must have a face-to-face meeting with the mortgagor, or make a reasonable effort
    to arrange such a meeting, within 30 days after default or at least 30 days before assignment is requested.
    (ii)…'
  type: do
  tags:
  - regulator-direct
  - section-complete
  - cfpb-regulation
  primary_source:
    tier: 1
    authority: 24 CFR §203.604(a)(1)
    source_class: fha-regulation
    source_url: https://www.law.cornell.edu/cfr/text/24/203.604
    snapshot_id: a253b3a4bb1532fd
    fetched_at: '2026-05-22T18:52:44Z'
    content_hash: sha256:5e599c636ceafbcaf8b9565e240e3c838d9c1fae0a3b93ed739f82f8c0e872e1
    paragraph_quote: '(i) If default occurs on a repayment plan arranged other than during a face-to-face
      meeting, the mortgagee must have a face-to-face meeting with the mortgagor, or make a reasonable
      effort to arrange such a meeting, within 30 days after default or at least 30 days before assignment
      is requested. (ii) [Reserved] (2) A face-to-face meeting is not required if:'
    drafter_attestation: Verbatim subsection of 24 CFR §203.604 from Cornell LII snapshot a253b3a4bb1532fd;
      body isolated between nav and notes; substring-verified.
  judgment: false
- id: fha-24cfr-203.604-i
  canonical_id: fha-24cfr-203.604-i
  section: 24 CFR §203.604(i)
  description: '(i): (i) The mortgagor has clearly indicated that they will not cooperate in the meeting;
    (ii) The mortgagor is on a repayment plan to bring the mortgage current, and the mortgagor is meeting
    the terms of the repayment plan; or (iii) A reasonable effort to arrange a meeting with the mortgagor
    is unsucces…'
  type: do
  tags:
  - regulator-direct
  - section-complete
  - cfpb-regulation
  primary_source:
    tier: 1
    authority: 24 CFR §203.604(a)(1)
    source_class: fha-regulation
    source_url: https://www.law.cornell.edu/cfr/text/24/203.604
    snapshot_id: a253b3a4bb1532fd
    fetched_at: '2026-05-22T18:52:44Z'
    content_hash: sha256:5e599c636ceafbcaf8b9565e240e3c838d9c1fae0a3b93ed739f82f8c0e872e1
    paragraph_quote: '(i) The mortgagor has clearly indicated that they will not cooperate in the meeting;
      (ii) The mortgagor is on a repayment plan to bring the mortgage current, and the mortgagor is meeting
      the terms of the repayment plan; or (iii) A reasonable effort to arrange a meeting with the mortgagor
      is unsuccessful. (3) A reasonable effort to arrange a face-to-face meeting with the mortgagor shall
      include at a minimum, one letter sent to the mortgagor certified by the Postal Service as having
      been dispatched and at least one trip to see the mortgagor at the mortgaged property. In addition,
      the mortgagee must document that it has made at least one telephone call to the mortgagor for the
      purpose of trying to arrange a face-to-face meeting. The mortgagee may appoint an agent to perform
      its responsibilities under paragraph (b) of this section. (4) The mortgagee must also:'
    drafter_attestation: Verbatim subsection of 24 CFR §203.604 from Cornell LII snapshot a253b3a4bb1532fd;
      body isolated between nav and notes; substring-verified.
  judgment: false
- id: fha-24cfr-203.604-i
  canonical_id: fha-24cfr-203.604-i
  section: 24 CFR §203.604(i)
  description: '(i): (i) Inform the mortgagor that HUD will make information regarding the status and
    payment history of the mortgagor''s loan available to credit bureaus and prospective creditors; (ii)
    Inform the mortgagor of other available assistance, if any; and (iii) Inform the mortgagor of the
    names and addresses o…'
  type: do
  tags:
  - regulator-direct
  - section-complete
  - cfpb-regulation
  primary_source:
    tier: 1
    authority: 24 CFR §203.604(a)(1)
    source_class: fha-regulation
    source_url: https://www.law.cornell.edu/cfr/text/24/203.604
    snapshot_id: a253b3a4bb1532fd
    fetched_at: '2026-05-22T18:52:44Z'
    content_hash: sha256:5e599c636ceafbcaf8b9565e240e3c838d9c1fae0a3b93ed739f82f8c0e872e1
    paragraph_quote: (i) Inform the mortgagor that HUD will make information regarding the status and
      payment history of the mortgagor's loan available to credit bureaus and prospective creditors; (ii)
      Inform the mortgagor of other available assistance, if any; and (iii) Inform the mortgagor of the
      names and addresses of HUD officials to whom further communications may be addressed. [ 89 FR 63098
      , Aug. 2, 2024] National Housing Act 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 24 CFR §203.604 from Cornell LII snapshot a253b3a4bb1532fd;
      body isolated between nav and notes; substring-verified.
  judgment: false
