source:
  type: regulation
  id: usda-7cfr-3555.301
  authority: 7 CFR Part 3555 — USDA Single Family Housing Guaranteed Loan Program § 3555.301 — General servicing
    techniques
  description: '7 CFR Part 3555 — USDA Single Family Housing Guaranteed Loan Program, §3555.301 General servicing
    techniques. Captured section-complete (all subsections verbatim).

    '
obligations:
- id: usda-7cfr-3555.301-full
  canonical_id: usda-7cfr-3555.301-full
  section: 7 CFR §3555.301
  description: 'General servicing techniques: In accordance with industry standards and as provided by the Agency:'
  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 § 3555.301
    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: 'In accordance with industry standards and as provided by the Agency:'
    drafter_attestation: Verbatim (whitespace-normalized) slice of §3555.301 (whole section) from snapshot 60bd6fb03befa14c;
      substring-verified.
  judgment: false
- id: usda-7cfr-3555.301-a
  canonical_id: usda-7cfr-3555.301-a
  section: 7 CFR §3555.301(a)
  description: 'General servicing techniques — (a): (a) Prompt action. Lenders shall take prompt action to collect
    overdue amounts from borrowers to bring a delinquent loan current in as short a time as possible to avoid foreclosure
    to the extent possible and minimize losses.'
  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 § 3555.301
    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) Prompt action. Lenders shall take prompt action to collect overdue amounts from borrowers
      to bring a delinquent loan current in as short a time as possible to avoid foreclosure to the extent possible
      and minimize losses.
    drafter_attestation: Verbatim (whitespace-normalized) slice of §3555.301 subsection (a) from snapshot 60bd6fb03befa14c;
      substring-verified.
  judgment: false
- id: usda-7cfr-3555.301-b
  canonical_id: usda-7cfr-3555.301-b
  section: 7 CFR §3555.301(b)
  description: 'General servicing techniques — (b): (b) Evaluation of borrower. Lenders must evaluate loans and
    take appropriate loss mitigation actions in an effort to resolve any repayment problems and provide borrowers
    with the maximum opportunity to become successful homeowners.'
  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 § 3555.301
    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) Evaluation of borrower. Lenders must evaluate loans and take appropriate loss mitigation
      actions in an effort to resolve any repayment problems and provide borrowers with the maximum opportunity
      to become successful homeowners.
    drafter_attestation: Verbatim (whitespace-normalized) slice of §3555.301 subsection (b) from snapshot 60bd6fb03befa14c;
      substring-verified.
  judgment: false
- id: usda-7cfr-3555.301-c
  canonical_id: usda-7cfr-3555.301-c
  section: 7 CFR §3555.301(c)
  description: 'General servicing techniques — (c): (c) Prompt contact. In the event of default, the lender shall
    promptly contact the borrower within a timeframe specified by the Agency.'
  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 § 3555.301
    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) Prompt contact. In the event of default, the lender shall promptly contact the borrower
      within a timeframe specified by the Agency.
    drafter_attestation: Verbatim (whitespace-normalized) slice of §3555.301 subsection (c) from snapshot 60bd6fb03befa14c;
      substring-verified.
  judgment: false
- id: usda-7cfr-3555.301-d
  canonical_id: usda-7cfr-3555.301-d
  section: 7 CFR §3555.301(d)
  description: 'General servicing techniques — (d): (d) Determine ability to cure. The lender must make a reasonable
    effort to obtain from the borrower information regarding the reason for default, the borrower''s current financial
    situation and any other necessary information to evaluate the borrower''s ability to cure the default and determine
    a feas…'
  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 § 3555.301
    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) Determine ability to cure. The lender must make a reasonable effort to obtain from the
      borrower information regarding the reason for default, the borrower's current financial situation and any
      other necessary information to evaluate the borrower's ability to cure the default and determine a feasible
      plan for collection, and/or alternatives to foreclosure.
    drafter_attestation: Verbatim (whitespace-normalized) slice of §3555.301 subsection (d) from snapshot 60bd6fb03befa14c;
      substring-verified.
  judgment: false
- id: usda-7cfr-3555.301-e
  canonical_id: usda-7cfr-3555.301-e
  section: 7 CFR §3555.301(e)
  description: 'General servicing techniques — (e): (e) Communication. Before an account becomes 60 days past due
    and if there is no payment arrangement in place, the lender must send a certified letter to the borrower requesting
    an interview for the purpose of resolving the past due 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 § 3555.301
    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) Communication. Before an account becomes 60 days past due and if there is no payment arrangement
      in place, the lender must send a certified letter to the borrower requesting an interview for the purpose
      of resolving the past due account.
    drafter_attestation: Verbatim (whitespace-normalized) slice of §3555.301 subsection (e) from snapshot 60bd6fb03befa14c;
      substring-verified.
  judgment: false
- id: usda-7cfr-3555.301-f
  canonical_id: usda-7cfr-3555.301-f
  section: 7 CFR §3555.301(f)
  description: 'General servicing techniques — (f): (f) Prior to liquidation. Before an account becomes 60 days
    past due or before initiating liquidation, the lender must assess the physical condition of the property, determine
    whether it is occupied, and take necessary steps to protect the property.'
  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 § 3555.301
    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: (f) Prior to liquidation. Before an account becomes 60 days past due or before initiating liquidation,
      the lender must assess the physical condition of the property, determine whether it is occupied, and take
      necessary steps to protect the property.
    drafter_attestation: Verbatim (whitespace-normalized) slice of §3555.301 subsection (f) from snapshot 60bd6fb03befa14c;
      substring-verified.
  judgment: false
- id: usda-7cfr-3555.301-g
  canonical_id: usda-7cfr-3555.301-g
  section: 7 CFR §3555.301(g)
  description: 'General servicing techniques — (g): (g) Maintain documentation. The lender must maintain documentation
    demonstrating that requirements in this subpart have been met and what steps have been taken to save a mortgage
    prior to making a decision to foreclose.'
  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 § 3555.301
    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: (g) Maintain documentation. The lender must maintain documentation demonstrating that requirements
      in this subpart have been met and what steps have been taken to save a mortgage prior to making a decision
      to foreclose.
    drafter_attestation: Verbatim (whitespace-normalized) slice of §3555.301 subsection (g) from snapshot 60bd6fb03befa14c;
      substring-verified.
  judgment: false
- id: usda-7cfr-3555.301-h
  canonical_id: usda-7cfr-3555.301-h
  section: 7 CFR §3555.301(h)
  description: 'General servicing techniques — (h): (h) Formal servicing plan. The lender must report a formal servicing
    plan to the Agency utilizing a web-based automated system when a borrower''s account is delinquent for 90 days
    or more and a method other than foreclosure is recommended to solve the delinquency. [78 FR 73941, Dec. 9, 2013,
    as amend…'
  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 § 3555.301
    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: (h) Formal servicing plan. The lender must report a formal servicing plan to the Agency utilizing
      a web-based automated system when a borrower's account is delinquent for 90 days or more and a method other
      than foreclosure is recommended to solve the delinquency. [78 FR 73941, Dec. 9, 2013, as amended at 81 FR
      6429, Feb. 8, 2016; 84 FR 70886, Dec. 26, 2019]
    drafter_attestation: Verbatim (whitespace-normalized) slice of §3555.301 subsection (h) from snapshot 60bd6fb03befa14c;
      substring-verified.
  judgment: false
