source:
  type: regulation
  id: hud-4000-1-iii-a-2-l
  authority: "HUD Handbook 4000.1 III.A.2.l — Presidentially-Declared Major Disaster Areas"
  description: 'HUD Single-Family Housing Policy Handbook 4000.1, Section III.A.2.l.

    See obligation entries for operative requirements and verbatim

    primary-source citations.

    '
obligations:
- id: hud-4000-1-iii-a-2-l-implement-pdmda-procedures
  canonical_id: hud-4000-1-iii-a-2-l-implement-pdmda-procedures
  section: "HUD Handbook 4000.1 III.A.2.l.i — Disaster Declarations"
  description: 'Whenever the President declares a major disaster, [LENDER] must

    implement the procedures set forth in this section for each

    designated area that is eligible for federal disaster assistance,

    designated for public assistance, individual assistance, or both,

    unless otherwise specified.

    '
  type: do
  audit_question: For every Presidentially-declared major disaster affecting FHA-insured Mortgages in [LENDER]'s portfolio, can [LENDER] evidence implementation of the PDMDA procedures (disaster loss-mit assistance, moratorium notice, monitoring, and disaster-option offers) for each designated area?
  workflow_phase: servicing
  owner_role: default_servicing_analyst
  secondary_owner_role: loss_mitigation_specialist
  cadence: per-disaster-declaration
  consequence: ''
  tags:
  - round-b
  - regulator-direct
  - hud-handbook-4000-1
  - fha
  - servicing
  - pdmda
  - disaster
  - promoted
  primary_source:
    tier: 1
    authority: "HUD Handbook 4000.1 III.A.2.l.i — Disaster Declarations"
    source_class: hud-handbook-4000-1
    source_url: https://www.hud.gov/hud-partners/single-family-handbook-4000-1
    snapshot_id: 8c03836f77f317e1
    fetched_at: '2026-05-23T00:28:40Z'
    content_hash: sha256:411430f29b13f9b54a2ebb0e6f6e7087ecd2b90d0da22eb0c8c792eaa2d7d0df
    paragraph_quote: 'Whenever the President declares a major disaster, the Mortgagee must implement the '
    drafter_attestation: Copied verbatim from HUD Handbook 4000.1 snapshot 8c03836f77f317e1 (III.A.2.l.i) at 2026-05-23.
  promoted_at: '2026-05-23T00:47:04+00:00'
  promoted_from: hud-4000-1-iii-a-2-l-roundb-v1.yaml
  program_review: Does the program account for the presidential-major-disaster trigger — implementing the PDMDA procedures (disaster loss-mit, moratorium notice, monitoring, disaster-option offers) for each designated federal-assistance area?
  file_review: Spot-check PDMDA-affected files; confirm the PDMDA procedures were implemented for the designated area.
  judgment: false
  feeds:
  - hud-4000-1-iii-a-2-l-contact-borrower-in-pdmda
- id: hud-4000-1-iii-a-2-l-contact-borrower-in-pdmda
  canonical_id: hud-4000-1-iii-a-2-l-contact-borrower-in-pdmda
  section: "HUD Handbook 4000.1 III.A.2.l.ii(A) — PDMDA Moratorium and Outreach"
  description: '[LENDER] must attempt to contact Borrowers whose Property is located

    in a PDMDA to notify the Borrower that disaster loss mitigation

    assistance is available.

    '
  type: do
  audit_question: For every FHA-insured Mortgage with a Property located in a PDMDA, can [LENDER] evidence an attempt to contact the Borrower to notify them that disaster loss mitigation assistance is available?
  workflow_phase: servicing
  owner_role: default_servicing_analyst
  secondary_owner_role: loss_mitigation_specialist
  cadence: per-pdmda-loan
  consequence: ''
  tags:
  - round-b
  - regulator-direct
  - hud-handbook-4000-1
  - fha
  - servicing
  - pdmda
  - borrower-outreach
  - promoted
  primary_source:
    tier: 1
    authority: "HUD Handbook 4000.1 III.A.2.l.ii(A) — Standard"
    source_class: hud-handbook-4000-1
    source_url: https://www.hud.gov/hud-partners/single-family-handbook-4000-1
    snapshot_id: 8c03836f77f317e1
    fetched_at: '2026-05-23T00:28:40Z'
    content_hash: sha256:411430f29b13f9b54a2ebb0e6f6e7087ecd2b90d0da22eb0c8c792eaa2d7d0df
    paragraph_quote: 'Mortgagees must attempt to contact Borrowers whose Property is located in a '
    drafter_attestation: Copied verbatim from HUD Handbook 4000.1 snapshot 8c03836f77f317e1 (III.A.2.l.ii(A)) at 2026-05-23.
  promoted_at: '2026-05-23T00:47:04+00:00'
  promoted_from: hud-4000-1-iii-a-2-l-roundb-v1.yaml
  program_review: Do the P&Ps ensure an attempt is made to contact each Borrower whose Property is in a PDMDA to notify them disaster loss-mit assistance is available?
  file_review: Spot-check PDMDA-located-Property files; confirm a documented attempt to contact the Borrower about disaster loss-mit assistance.
  judgment: false
- id: hud-4000-1-iii-a-2-l-no-foreclosure-that-jeopardizes-insurance-recovery
  canonical_id: hud-4000-1-iii-a-2-l-no-foreclosure-that-jeopardizes-insurance-recovery
  section: "HUD Handbook 4000.1 III.A.2.l.ii(C) — Hazard or Flood Insurance Settlement"
  description: '[LENDER] must take no action to initiate or complete foreclosure

    proceedings, after expiration of a disaster-related foreclosure

    moratorium, if such action will jeopardize the full recovery of a

    hazard or flood insurance settlement.

    '
  type: dont
  audit_question: For every PDMDA-affected FHA-insured Mortgage where a hazard or flood insurance settlement is pending, can [LENDER] evidence that no action was taken to initiate or complete foreclosure that would jeopardize the full recovery of that settlement?
  workflow_phase: servicing
  owner_role: default_servicing_analyst
  secondary_owner_role: foreclosure_specialist
  cadence: per-pdmda-loan-with-insurance-claim
  consequence: ''
  tags:
  - round-b
  - regulator-direct
  - hud-handbook-4000-1
  - fha
  - servicing
  - pdmda
  - foreclosure-restriction
  - hazard-insurance
  - promoted
  primary_source:
    tier: 1
    authority: "HUD Handbook 4000.1 III.A.2.l.ii(C) — Hazard or Flood Insurance Settlement"
    source_class: hud-handbook-4000-1
    source_url: https://www.hud.gov/hud-partners/single-family-handbook-4000-1
    snapshot_id: 8c03836f77f317e1
    fetched_at: '2026-05-23T00:28:40Z'
    content_hash: sha256:411430f29b13f9b54a2ebb0e6f6e7087ecd2b90d0da22eb0c8c792eaa2d7d0df
    paragraph_quote: 'The Mortgagee must take no action to initiate or complete foreclosure proceedings, '
    drafter_attestation: Copied verbatim from HUD Handbook 4000.1 snapshot 8c03836f77f317e1 (III.A.2.l.ii(C)) at 2026-05-23.
  promoted_at: '2026-05-23T00:47:04+00:00'
  promoted_from: hud-4000-1-iii-a-2-l-roundb-v1.yaml
  program_review: Does the program account for the pending-insurance-settlement condition — taking no foreclosure-initiation/completion action after a disaster moratorium expires that would jeopardize full recovery of a hazard/flood insurance settlement?
  file_review: Spot-check PDMDA files with a pending hazard/flood settlement; confirm no foreclosure action was taken that would jeopardize full settlement recovery.
  judgment: false
_promotion_history:
- promoted_at: '2026-05-23T00:47:04+00:00'
  candidate_path: obligations\_remediation\_round_b_drafts\hud-4000-1-iii-a-2-l-roundb-v1.yaml
  candidates_promoted: 3
  candidates_skipped_existing: 0
