source:
  type: regulation
  id: usda-7cfr-3555.307
  authority: 7 CFR Part 3555 — USDA Single Family Housing Guaranteed Loan Program § 3555.307 — Assistance in natural
    disasters
  description: '7 CFR Part 3555 — USDA Single Family Housing Guaranteed Loan Program, §3555.307 Assistance in natural
    disasters. Captured section-complete (all subsections verbatim).

    '
obligations:
- id: usda-7cfr-3555.307-a
  canonical_id: usda-7cfr-3555.307-a
  section: 7 CFR §3555.307(a)
  description: 'Assistance in natural disasters — (a): (a) Policy. Servicers must utilize general procedures available
    under this subpart for servicing borrowers affected by natural disasters, as supplemented by Rural Development,
    to minimize delinquencies and avoid foreclosure.'
  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 § 3555.307
    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) Policy. Servicers must utilize general procedures available under this subpart for servicing
      borrowers affected by natural disasters, as supplemented by Rural Development, to minimize delinquencies and
      avoid foreclosure.
    drafter_attestation: Verbatim (whitespace-normalized) slice of §3555.307 subsection (a) from snapshot 60bd6fb03befa14c;
      substring-verified.
  judgment: false
- id: usda-7cfr-3555.307-b
  canonical_id: usda-7cfr-3555.307-b
  section: 7 CFR §3555.307(b)
  description: 'Assistance in natural disasters — (b): (b) Evaluating the damage. Servicers are expected to inspect
    a security property whenever they have reason to believe the property has been damaged.'
  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 § 3555.307
    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) Evaluating the damage. Servicers are expected to inspect a security property whenever they
      have reason to believe the property has been damaged.
    drafter_attestation: Verbatim (whitespace-normalized) slice of §3555.307 subsection (b) from snapshot 60bd6fb03befa14c;
      substring-verified.
  judgment: false
- id: usda-7cfr-3555.307-c
  canonical_id: usda-7cfr-3555.307-c
  section: 7 CFR §3555.307(c)
  description: 'Assistance in natural disasters — (c): (c) Special relief measures. The servicer must evaluate on
    an individual case-by-case basis a mortgage that is (or becomes) seriously delinquent as the result of the borrower''s
    incurring extraordinary damages or expenses related to the natural disaster. The servicer should document its
    individual mo…'
  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 § 3555.307
    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) Special relief measures. The servicer must evaluate on an individual case-by-case basis
      a mortgage that is (or becomes) seriously delinquent as the result of the borrower's incurring extraordinary
      damages or expenses related to the natural disaster. The servicer should document its individual mortgage
      file regarding all servicing actions taken during this time period. The lender must consider all special relief
      alternatives for disaster assistance available to the borrower prior to suspending collection and foreclosure
      activities. The suspension of servicing actions will expire 90 days from the declaration date of the natural
      disaster, unless otherwise extended by the Agency.
    drafter_attestation: Verbatim (whitespace-normalized) slice of §3555.307 subsection (c) from snapshot 60bd6fb03befa14c;
      substring-verified.
  judgment: false
- id: usda-7cfr-3555.307-d
  canonical_id: usda-7cfr-3555.307-d
  section: 7 CFR §3555.307(d)
  description: 'Assistance in natural disasters — (d): (d) Insurance claim settlements. Prior to release of hazard
    insurance proceeds because of damage caused by a natural disaster, servicers must complete a cost and benefit
    analysis on a case-by-case basis to determine if the property can be repaired or rebuilt. The servicer''s actions
    must be based on …'
  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 § 3555.307
    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) Insurance claim settlements. Prior to release of hazard insurance proceeds because of damage
      caused by a natural disaster, servicers must complete a cost and benefit analysis on a case-by-case basis
      to determine if the property can be repaired or rebuilt. The servicer's actions must be based on the status
      of the mortgage, the amount of insurance proceeds, and the length of time required repairing or reconstructing
      the property, and the market conditions in the area. If the property will not be repaired or rebuilt, the
      insurance proceeds must be applied to the unpaid principal loan balance. [78 FR 73941, Dec. 9, 2013, as amended
      at 81 FR 6430, Feb. 8, 2016]
    drafter_attestation: Verbatim (whitespace-normalized) slice of §3555.307 subsection (d) from snapshot 60bd6fb03befa14c;
      substring-verified.
  judgment: false
