source:
  type: regulation
  id: hud-ml-2022-08
  authority: "HUD Mortgagee Letter 2022-08 — Expanding Affordable Housing Supply Through FHA's Claims Without Conveyance of Title (CWCOT) Process"
  description: 'HUD ML 2022-08 updates Handbook 4000.1 section III.A.2.t.ii(H) (CWCOT

    Post-Foreclosure Sales Efforts) and IV.A.2.d.iv (CWCOT Claim Form Parts) to

    establish an exclusive 30-day Post-Foreclosure Sales period for

    Owner-Occupant Buyers, HUD-approved Nonprofits, and Governmental Entities,

    and to extend conveyance time frames.

    '
obligations:
- id: hud-ml-2022-08-exclusive-30-day-listing-period
  canonical_id: hud-ml-2022-08-exclusive-30-day-listing-period
  section: "HUD ML 2022-08 — Exclusive Post-Foreclosure Sales Period (III.A.2.t.ii(H)(1)(a))"
  description: 'Where [LENDER] uses CWCOT post-foreclosure sales efforts, [LENDER] must

    list the Properties for sale for an initial 30-Day period exclusively for

    Owner-Occupant Buyers, HUD-approved Nonprofits, and Governmental Entities,

    before opening the property to all third parties for an additional 60-Day

    extended Post-Foreclosure Sales period.

    '
  type: do
  audit_question: For every CWCOT property listed for Post-Foreclosure Sale on or after the ML 2022-08 effective date, can [LENDER] demonstrate that the property was listed for an initial 30-Day exclusive period for Owner-Occupant Buyers, HUD-approved Nonprofits, and Governmental Entities before being offered to all third parties?
  workflow_phase: servicing
  owner_role: default_servicing_analyst
  secondary_owner_role: compliance_officer
  cadence: per-cwcot-sale
  consequence: ''
  tags:
  - round-b
  - regulator-direct
  - hud-ml
  - fha
  - servicing
  - foreclosure
  - cwcot
  - promoted
  primary_source:
    tier: 1
    authority: "HUD ML 2022-08 — III.A.2.t.ii(H)(1)(a)"
    source_class: hud-ml-pdf
    source_url: https://www.hud.gov/sites/dfiles/OCHCO/documents/2022-08hsgml.pdf
    snapshot_id: 5cdb05e6a9a61276
    fetched_at: '2026-05-22T19:55:19Z'
    content_hash: sha256:c9cc2a3c6840b6e8894ff05493eafa63e4471c7395529654e438e8e9025adc1e
    paragraph_quote: "Mortgagees that utilize the post-foreclosure sales efforts must list \nthe Properties for sale for an initial 30-Day period exclusively for \nOwner-Occupant Buyers, HUD-approved Nonprofits, and \nGovernmental Entities."
    drafter_attestation: 'Copied verbatim from snapshot 5cdb05e6a9a61276 (content.txt) at

      2026-05-22T20:00Z. Substring is the exclusive 30-Day listing

      requirement incorporated into Handbook 4000.1 III.A.2.t.ii(H)(1)(a)

      by ML 2022-08.

      '
  promoted_at: '2026-05-22T20:55:58+00:00'
  promoted_from: hud-ml-2022-08-roundb-v1.yaml
  program_review: Do the P&Ps ensure CWCOT post-foreclosure properties are listed for an initial 30-Day period exclusively for Owner-Occupant Buyers, HUD-approved Nonprofits, and Governmental Entities before the 60-Day all-third-party extended period?
  file_review: Pull CWCOT post-foreclosure listings; confirm the initial 30-Day exclusive period preceded opening to all third parties.
  judgment: false
- id: hud-ml-2022-08-cwcot-claims-parts-a-b-30-days
  canonical_id: hud-ml-2022-08-cwcot-claims-parts-a-b-30-days
  section: "HUD ML 2022-08 — CWCOT Claim Form Parts Submission (IV.A.2.d.iv)"
  description: '[LENDER] must submit CWCOT claim form Parts A and B simultaneously no later

    than 30 Days after the earlier of (i) the date the Mortgagee acquired good

    and marketable title, (ii) the date a third party acquired good and

    marketable title, (iii) the date the Borrower or other party redeemed the

    Property, (iv) the date the redemption period expires, or (v) such other

    date as required by the FHA Commissioner.

    '
  type: do
  audit_question: For every CWCOT claim filed, can [LENDER] evidence that Parts A and B were submitted simultaneously to HUD within 30 Days after the applicable triggering date (acquisition of title, third-party title, redemption, redemption period expiry, or Commissioner-required date)?
  workflow_phase: servicing
  owner_role: default_servicing_analyst
  secondary_owner_role: compliance_officer
  cadence: per-cwcot-claim
  consequence: ''
  tags:
  - round-b
  - regulator-direct
  - hud-ml
  - fha
  - servicing
  - claims
  - cwcot
  - promoted
  primary_source:
    tier: 1
    authority: "HUD ML 2022-08 — IV.A.2.d.iv"
    source_class: hud-ml-pdf
    source_url: https://www.hud.gov/sites/dfiles/OCHCO/documents/2022-08hsgml.pdf
    snapshot_id: 5cdb05e6a9a61276
    fetched_at: '2026-05-22T19:55:19Z'
    content_hash: sha256:c9cc2a3c6840b6e8894ff05493eafa63e4471c7395529654e438e8e9025adc1e
    paragraph_quote: "The Mortgagee must submit Parts A and B simultaneously no later than 30 \nDays after:"
    drafter_attestation: "Copied verbatim from snapshot 5cdb05e6a9a61276 (content.txt) at\n2026-05-22T20:00Z. Substring is the CWCOT Parts A and B\nsubmission deadline headline incorporated into Handbook 4000.1\nIV.A.2.d.iv by ML 2022-08; the (i)–(v) trigger events are\nsummarized in the description.\n"
  promoted_at: '2026-05-22T20:55:58+00:00'
  promoted_from: hud-ml-2022-08-roundb-v1.yaml
  program_review: Do the P&Ps ensure CWCOT claim Parts A and B are submitted simultaneously no later than 30 Days after the earliest trigger (Mortgagee/third-party good-and-marketable title, redemption, redemption-period expiry, or Commissioner-required date)?
  file_review: Pull CWCOT claims; confirm simultaneous Parts A and B submission within 30 Days of the applicable trigger date.
  judgment: false
- id: hud-ml-2022-08-effective-date-90-days
  canonical_id: hud-ml-2022-08-effective-date-90-days
  section: "HUD ML 2022-08 — Effective Date"
  description: '[LENDER] may implement the provisions of HUD ML 2022-08 immediately but

    must implement them for all CWCOT Post-Foreclosure Sales associated with

    defaulted FHA-insured Mortgages scheduled to occur on or after 90 Days

    from the date of the ML (i.e., on or about August 3, 2022).

    '
  type: do
  audit_question: For every CWCOT Post-Foreclosure Sale associated with a defaulted FHA-insured Mortgage scheduled to occur on or after 90 Days from the ML 2022-08 publication date, can [LENDER] demonstrate the ML 2022-08 exclusive-period and time-frame provisions were implemented?
  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
  - foreclosure
  - cwcot
  - effective-date
  - promoted
  primary_source:
    tier: 1
    authority: "HUD ML 2022-08 — Effective Date"
    source_class: hud-ml-pdf
    source_url: https://www.hud.gov/sites/dfiles/OCHCO/documents/2022-08hsgml.pdf
    snapshot_id: 5cdb05e6a9a61276
    fetched_at: '2026-05-22T19:55:19Z'
    content_hash: sha256:c9cc2a3c6840b6e8894ff05493eafa63e4471c7395529654e438e8e9025adc1e
    paragraph_quote: "The provisions of this ML may be implemented immediately but must be \nimplemented for all Post-Foreclosure Sales associated with defaulted FHA-\ninsured Mortgages scheduled to occur on or after 90 Days from the date of \nthis ML."
    drafter_attestation: 'Copied verbatim from snapshot 5cdb05e6a9a61276 (content.txt) at

      2026-05-22T20:00Z. Substring is the Effective Date trigger of

      ML 2022-08.

      '
  promoted_at: '2026-05-22T20:55:58+00:00'
  promoted_from: hud-ml-2022-08-roundb-v1.yaml
  program_review: Does the program account for the applicability trigger — applying the ML 2022-08 exclusive-period and time-frame provisions to all CWCOT Post-Foreclosure Sales scheduled on or after ~August 3, 2022?
  file_review: Spot-check CWCOT sales scheduled on/after the ML effective date; confirm the exclusive-period and time-frame provisions were applied.
  judgment: false
_promotion_history:
- promoted_at: '2026-05-22T20:55:58+00:00'
  candidate_path: obligations\_remediation\_round_b_drafts\hud-ml-2022-08-roundb-v1.yaml
  candidates_promoted: 3
  candidates_skipped_existing: 0
