source:
  type: regulation
  id: usda-hb-3555-ch05
  authority: USDA HB-1-3555 ch05 bootstrap
  description: Bootstrap for USDA HB-1-3555 ch05 register.
obligations:
- id: usda-hb-3555-ch05-gus-mandatory-for-approved-lenders
  canonical_id: usda-hb-3555-ch05-gus-mandatory-for-approved-lenders
  section: "USDA HB-1-3555 Ch. 5.3.B — Gaining Access to GUS"
  description: 'Approved [LENDERS] with active Lender Agreements must utilize

    GUS as part of their credit risk evaluation for all loan types

    supported by GUS. Lenders are required to enter into a User

    Agreement and obtain authorized access through the use of a

    Login.gov account and password.

    '
  type: do
  audit_question: For every USDA SFHGLP loan request of a type supported by GUS, can [LENDER] evidence that the Guaranteed Underwriting System (GUS) was utilized as part of its credit risk evaluation, and that users accessed GUS through an executed User Agreement and a Login.gov account?
  workflow_phase: underwriting
  owner_role: underwriter
  secondary_owner_role: loan_officer
  cadence: per_loan
  consequence: ''
  tags:
  - round-b
  - regulator-direct
  - usda
  - hb-1-3555
  - ch05
  - gus
  - underwriting
  - promoted
  primary_source:
    tier: 1
    authority: "USDA HB-1-3555 Chapter 5.3.B — Gaining Access to GUS"
    source_class: usda-handbook-hb-1-3555
    source_url: https://www.rd.usda.gov/sites/default/files/3555-1chapter05.pdf
    snapshot_id: 2866d14c9dab6ecd
    fetched_at: '2026-05-23T01:50:00Z'
    content_hash: sha256:9e0f94cf83e09bd50dbc8625549a9091c8f0a404ab9bc2e774537148979ec560
    paragraph_quote: Approved lenders with active Lender Agreements must utilize GUS as part of their
    drafter_attestation: Copied verbatim from USDA HB-1-3555 snapshot 2866d14c9dab6ecd (Ch 05) at 2026-05-23. Source PDF retrieved via Wayback Machine.
  promoted_at: '2026-05-23T13:24:34+00:00'
  promoted_from: usda-hb-3555-ch05-roundb-v1.yaml
  program_review: Does the program require GUS use as part of credit-risk evaluation for every GUS-supported loan type, with access through an executed User Agreement and Login.gov?
  file_review: Spot-check GUS-supported loans; confirm GUS was run and that user access ran through an executed User Agreement / Login.gov account.
  judgment: false
- id: usda-hb-3555-ch05-gus-data-coincides-with-loan-file
  canonical_id: usda-hb-3555-ch05-gus-data-coincides-with-loan-file
  section: "USDA HB-1-3555 Ch. 5.3 — Utilizing the Guaranteed Underwriting System"
  description: '[LENDERS] are reminded that data entered in GUS must coincide

    with that of the lender''s permanent loan file.

    '
  type: do
  audit_question: For every USDA SFHGLP loan submitted through GUS, can [LENDER] evidence that the data entered in GUS coincides with that of the lender's permanent loan file?
  workflow_phase: underwriting
  owner_role: underwriter
  secondary_owner_role: loan_officer
  cadence: per_loan
  consequence: ''
  tags:
  - round-b
  - regulator-direct
  - usda
  - hb-1-3555
  - ch05
  - gus
  - data-integrity
  - promoted
  primary_source:
    tier: 1
    authority: "USDA HB-1-3555 Chapter 5.3 — Utilizing the Guaranteed Underwriting System"
    source_class: usda-handbook-hb-1-3555
    source_url: https://www.rd.usda.gov/sites/default/files/3555-1chapter05.pdf
    snapshot_id: 2866d14c9dab6ecd
    fetched_at: '2026-05-23T01:50:00Z'
    content_hash: sha256:9e0f94cf83e09bd50dbc8625549a9091c8f0a404ab9bc2e774537148979ec560
    paragraph_quote: are reminded that data entered in GUS must coincide with that of the lender
    drafter_attestation: Copied verbatim from USDA HB-1-3555 snapshot 2866d14c9dab6ecd (Ch 05) at 2026-05-23. Source PDF retrieved via Wayback Machine.
  promoted_at: '2026-05-23T13:24:34+00:00'
  promoted_from: usda-hb-3555-ch05-roundb-v1.yaml
  program_review: Does the program ensure data entered in GUS coincides with the permanent loan file (no divergence between submitted and documented values)?
  file_review: Pull a sample; reconcile key GUS data fields against the permanent loan file. The officer judges whether discrepancies are material to the GUS finding.
  judgment: true
- id: usda-hb-3555-ch05-clear-accurate-info-to-agency
  canonical_id: usda-hb-3555-ch05-clear-accurate-info-to-agency
  section: "USDA HB-1-3555 Ch. 5.1 — Introduction [7 CFR 3555.51(b)]"
  description: '[LENDERS] must provide the Agency with clear and accurate

    information so that Agency staff can promptly determine

    whether the loan qualifies for a guarantee.

    '
  type: do
  audit_question: For every USDA SFHGLP loan submitted for guarantee, can [LENDER] evidence that the information provided to the Agency was clear and accurate such that Agency staff could promptly determine guarantee eligibility?
  workflow_phase: underwriting
  owner_role: underwriter
  secondary_owner_role: loan_officer
  cadence: per_loan
  consequence: ''
  tags:
  - round-b
  - regulator-direct
  - usda
  - hb-1-3555
  - ch05
  - accuracy
  - promoted
  primary_source:
    tier: 1
    authority: "USDA HB-1-3555 Chapter 5.1 — Introduction"
    source_class: usda-handbook-hb-1-3555
    source_url: https://www.rd.usda.gov/sites/default/files/3555-1chapter05.pdf
    snapshot_id: 2866d14c9dab6ecd
    fetched_at: '2026-05-23T01:50:00Z'
    content_hash: sha256:9e0f94cf83e09bd50dbc8625549a9091c8f0a404ab9bc2e774537148979ec560
    paragraph_quote: Lenders must provide the Agency with clear and accurate information so that
    drafter_attestation: Copied verbatim from USDA HB-1-3555 snapshot 2866d14c9dab6ecd (Ch 05) at 2026-05-23. Source PDF retrieved via Wayback Machine.
  promoted_at: '2026-05-23T13:24:34+00:00'
  promoted_from: usda-hb-3555-ch05-roundb-v1.yaml
  program_review: Does the program ensure information submitted to the Agency is clear and accurate enough for Agency staff to promptly determine guarantee eligibility?
  file_review: Pull a sample; assess whether the submission package was clear and accurate. The officer judges sufficiency and accuracy of the information provided.
  judgment: true
_promotion_history:
- promoted_at: '2026-05-23T13:24:34+00:00'
  candidate_path: obligations\_remediation\_round_b_drafts\usda-hb-3555-ch05-roundb-v1.yaml
  candidates_promoted: 3
  candidates_skipped_existing: 0
