source:
  type: regulation
  id: usda-7cfr-3555.252
  authority: 7 CFR Part 3555 — USDA Single Family Housing Guaranteed Loan Program § 3555.252 — Required servicing
    actions
  description: '7 CFR Part 3555 — USDA Single Family Housing Guaranteed Loan Program, §3555.252 Required servicing
    actions. Captured section-complete (all subsections verbatim).

    '
obligations:
- id: usda-7cfr-3555.252-full
  canonical_id: usda-7cfr-3555.252-full
  section: 7 CFR §3555.252
  description: 'Required servicing actions: Lender servicing responsibility includes, but is not limited to, the
    following actions.'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - section-complete
  primary_source:
    tier: 1
    authority: 7 CFR Part 3555 — USDA Single Family Housing Guaranteed Loan Program § 3555.252
    source_class: ecfr-xml
    source_url: https://www.ecfr.gov/current/title-7/subtitle-B/chapter-XXXV/part-3555
    snapshot_id: 60bd6fb03befa14c
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:f1f884c828bb807baf369d30e1a9479648dfa62165e28511a0730ed785181a8b
    paragraph_quote: Lender servicing responsibility includes, but is not limited to, the following actions.
    drafter_attestation: Verbatim (whitespace-normalized) slice of §3555.252 (whole section) from snapshot 60bd6fb03befa14c;
      substring-verified.
  judgment: false
- id: usda-7cfr-3555.252-a
  canonical_id: usda-7cfr-3555.252-a
  section: 7 CFR §3555.252(a)
  description: 'Required servicing actions — (a): (a) Collecting regularly scheduled payments. Lender must collect
    regularly scheduled loan payments and apply them to the borrower''s account.'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - section-complete
  primary_source:
    tier: 1
    authority: 7 CFR Part 3555 — USDA Single Family Housing Guaranteed Loan Program § 3555.252
    source_class: ecfr-xml
    source_url: https://www.ecfr.gov/current/title-7/subtitle-B/chapter-XXXV/part-3555
    snapshot_id: 60bd6fb03befa14c
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:f1f884c828bb807baf369d30e1a9479648dfa62165e28511a0730ed785181a8b
    paragraph_quote: (a) Collecting regularly scheduled payments. Lender must collect regularly scheduled loan payments
      and apply them to the borrower's account.
    drafter_attestation: Verbatim (whitespace-normalized) slice of §3555.252 subsection (a) from snapshot 60bd6fb03befa14c;
      substring-verified.
  judgment: false
- id: usda-7cfr-3555.252-b
  canonical_id: usda-7cfr-3555.252-b
  section: 7 CFR §3555.252(b)
  description: 'Required servicing actions — (b): (b) Payment of taxes and insurance. Lenders must ensure that real
    estate taxes, assessments, and flood and hazard insurance premiums for all property that secures a guaranteed
    loan are paid on schedule. (1) Establish escrow account. Lenders with the capacity to escrow funds must establish
    escrow acc…'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - section-complete
  primary_source:
    tier: 1
    authority: 7 CFR Part 3555 — USDA Single Family Housing Guaranteed Loan Program § 3555.252
    source_class: ecfr-xml
    source_url: https://www.ecfr.gov/current/title-7/subtitle-B/chapter-XXXV/part-3555
    snapshot_id: 60bd6fb03befa14c
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:f1f884c828bb807baf369d30e1a9479648dfa62165e28511a0730ed785181a8b
    paragraph_quote: (b) Payment of taxes and insurance. Lenders must ensure that real estate taxes, assessments,
      and flood and hazard insurance premiums for all property that secures a guaranteed loan are paid on schedule.
      (1) Establish escrow account. Lenders with the capacity to escrow funds must establish escrow accounts for
      all guaranteed loans for the payment of taxes and insurance. Escrow accounts must be administered in accordance
      with the Real Estate Settlement and Procedures Act (RESPA) of 1974, and insured by the FDIC or the NCUA. (2)
      Plan and responsibility of lender to ensure payment. Lenders that do not have the capacity to escrow funds
      must implement procedures, subject to Agency approval, to ensure the borrower pays such obligations on a timely
      basis. In addition, such lenders must accept the responsibility for payment of taxes and insurance that comes
      due prior to liquidation. Rural Development will not include any taxes or insurance amounts that accrued prior
      to acceleration in any potential loss claim. Rural Development may revoke the acceptance of the lender's plan
      if loan performance indicates that delinquency and loss rates are being affected by the lender's inability
      to escrow for taxes, assessment, and insurance. This alternative is not available to lenders who contract
      for servicing.
    drafter_attestation: Verbatim (whitespace-normalized) slice of §3555.252 subsection (b) from snapshot 60bd6fb03befa14c;
      substring-verified.
  judgment: false
- id: usda-7cfr-3555.252-c
  canonical_id: usda-7cfr-3555.252-c
  section: 7 CFR §3555.252(c)
  description: 'Required servicing actions — (c): (c) Insurance. (1) Until the loan is paid in full, lenders must
    ensure that borrowers maintain hazard and flood insurance as required, on property securing guaranteed loans.
    The insurance must be issued by companies in amounts, and on terms and conditions, acceptable to Rural Development.
    Flood insu…'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - section-complete
  primary_source:
    tier: 1
    authority: 7 CFR Part 3555 — USDA Single Family Housing Guaranteed Loan Program § 3555.252
    source_class: ecfr-xml
    source_url: https://www.ecfr.gov/current/title-7/subtitle-B/chapter-XXXV/part-3555
    snapshot_id: 60bd6fb03befa14c
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:f1f884c828bb807baf369d30e1a9479648dfa62165e28511a0730ed785181a8b
    paragraph_quote: '(c) Insurance. (1) Until the loan is paid in full, lenders must ensure that borrowers maintain
      hazard and flood insurance as required, on property securing guaranteed loans. The insurance must be issued
      by companies in amounts, and on terms and conditions, acceptable to Rural Development. Flood insurance through
      the National Flood Insurance Program must be maintained for all property located in special flood or mudslide
      areas identified by FEMA and must be consistent with mortgage industry standards, as determined by the Agency.
      (2) Lenders must ensure that borrowers immediately notify them of any loss or damage to insured property securing
      guaranteed loans and collect the amount of the loss from the insurance company. Unless the borrower pays off
      the guaranteed loan using the insurance proceeds, the following requirements must be met:'
    drafter_attestation: Verbatim (whitespace-normalized) slice of §3555.252 subsection (c) from snapshot 60bd6fb03befa14c;
      substring-verified.
  judgment: false
- id: usda-7cfr-3555.252-i
  canonical_id: usda-7cfr-3555.252-i
  section: 7 CFR §3555.252(i)
  description: 'Required servicing actions — (i): (i) All repairs and replacements using the insurance proceeds
    must be planned, performed, and inspected in accordance with Agency construction requirements and procedures.
    (ii) When insurance funds remain after payments for all repairs, replacements, and other authorized disbursements
    have been made…'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - section-complete
  primary_source:
    tier: 1
    authority: 7 CFR Part 3555 — USDA Single Family Housing Guaranteed Loan Program § 3555.252
    source_class: ecfr-xml
    source_url: https://www.ecfr.gov/current/title-7/subtitle-B/chapter-XXXV/part-3555
    snapshot_id: 60bd6fb03befa14c
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:f1f884c828bb807baf369d30e1a9479648dfa62165e28511a0730ed785181a8b
    paragraph_quote: '(i) All repairs and replacements using the insurance proceeds must be planned, performed,
      and inspected in accordance with Agency construction requirements and procedures. (ii) When insurance funds
      remain after payments for all repairs, replacements, and other authorized disbursements have been made, the
      funds must be applied in the following order: prior liens (including past-due property taxes); past-due amounts;
      protective advances; and released to the borrower if the lender''s debt is adequately secured. (3) If the
      insurance claim is de minimis as determined by the Agency, the lender may release the funds directly to the
      borrower to advance funds to contractors, provided that the account is current and the borrower has a history
      of timely payments; the borrower occupies the property; and the borrower executes an affidavit agreeing to
      apply the funds for repairs or reconstruction of the dwelling.'
    drafter_attestation: Verbatim (whitespace-normalized) slice of §3555.252 subsection (i) from snapshot 60bd6fb03befa14c;
      substring-verified.
  judgment: false
- id: usda-7cfr-3555.252-d
  canonical_id: usda-7cfr-3555.252-d
  section: 7 CFR §3555.252(d)
  description: 'Required servicing actions — (d): (d) Credit reporting. The lender must notify a credit repository
    of each new guaranteed loan, must identify the loan as guaranteed by Rural Development, and must report to that
    repository whenever any account becomes more than 30 calendar days past due.'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - section-complete
  primary_source:
    tier: 1
    authority: 7 CFR Part 3555 — USDA Single Family Housing Guaranteed Loan Program § 3555.252
    source_class: ecfr-xml
    source_url: https://www.ecfr.gov/current/title-7/subtitle-B/chapter-XXXV/part-3555
    snapshot_id: 60bd6fb03befa14c
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:f1f884c828bb807baf369d30e1a9479648dfa62165e28511a0730ed785181a8b
    paragraph_quote: (d) Credit reporting. The lender must notify a credit repository of each new guaranteed loan,
      must identify the loan as guaranteed by Rural Development, and must report to that repository whenever any
      account becomes more than 30 calendar days past due.
    drafter_attestation: Verbatim (whitespace-normalized) slice of §3555.252 subsection (d) from snapshot 60bd6fb03befa14c;
      substring-verified.
  judgment: false
- id: usda-7cfr-3555.252-e
  canonical_id: usda-7cfr-3555.252-e
  section: 7 CFR §3555.252(e)
  description: 'Required servicing actions — (e): (e) Bankruptcy actions. The lender is responsible for monitoring
    and taking all appropriate and prudent actions during bankruptcy proceedings to protect the borrower and Government''s
    interest, in accordance with &#xA7; 3555.306(d).'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - section-complete
  primary_source:
    tier: 1
    authority: 7 CFR Part 3555 — USDA Single Family Housing Guaranteed Loan Program § 3555.252
    source_class: ecfr-xml
    source_url: https://www.ecfr.gov/current/title-7/subtitle-B/chapter-XXXV/part-3555
    snapshot_id: 60bd6fb03befa14c
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:f1f884c828bb807baf369d30e1a9479648dfa62165e28511a0730ed785181a8b
    paragraph_quote: (e) Bankruptcy actions. The lender is responsible for monitoring and taking all appropriate
      and prudent actions during bankruptcy proceedings to protect the borrower and Government's interest, in accordance
      with &#xA7; 3555.306(d).
    drafter_attestation: Verbatim (whitespace-normalized) slice of §3555.252 subsection (e) from snapshot 60bd6fb03befa14c;
      substring-verified.
  judgment: false
