source:
  type: regulation
  id: hud-ml-2025-06
  authority: HUD Mortgagee Letter 2025-06
  description: 'HUD Mortgagee Letter 2025-06. See obligation entries for operative

    requirements and verbatim primary-source citations.

    '
obligations:
- id: hud-ml-2025-06-servicing-laws-compliance
  canonical_id: hud-ml-2025-06-servicing-laws-compliance
  section: "HUD ML 2025-06 — Laws and Requirements Applicable to Mortgage Servicing (III.A.1.a.ii(A))"
  description: '[LENDER], as an FHA-approved Mortgagee servicing FHA-insured Mortgages,

    must comply with all laws, rules, and requirements applicable to mortgage

    servicing, including full compliance with the applicable requirements

    under the purview of the Consumer Financial Protection Bureau (CFPB)

    (including RESPA and TILA), and, if applicable, Ginnie Mae''s

    mortgage-backed securities requirements.

    '
  type: do
  audit_question: Can [LENDER] evidence that its FHA mortgage-servicing program operates in full compliance with CFPB-administered requirements (RESPA, TILA) and, where applicable, Ginnie Mae's mortgage-backed securities requirements?
  workflow_phase: servicing
  owner_role: default_servicing_analyst
  secondary_owner_role: compliance_officer
  cadence: continuous
  consequence: ''
  tags:
  - round-b
  - regulator-direct
  - hud-ml
  - fha
  - servicing
  - cross-regulator-compliance
  - promoted
  primary_source:
    tier: 1
    authority: "HUD ML 2025-06 — III.A.1.a.ii(A)"
    source_class: hud-ml-pdf
    source_url: https://www.hud.gov/sites/dfiles/OCHCO/documents/2025-06hsgml.pdf
    snapshot_id: a171c17f1f18edcd
    fetched_at: '2026-05-22T19:55:03Z'
    content_hash: sha256:863ffb7e3fa931168492a4ec3468b6a6a57540818012563279348202f71fdc69
    paragraph_quote: "Mortgagees must comply with all laws, rules, and requirements applicable to \nmortgage servicing, including full compliance with the applicable requirements under \nthe purview of the Consumer Financial Protection Bureau (CFPB), including the Real \nEstate Settlement Procedures Act (RESPA) and the Truth in Lending Act (TILA), \nand, if applicable, Ginnie Mae’s mortgage-backed securities requirements."
    drafter_attestation: 'Copied verbatim from snapshot a171c17f1f18edcd (content.txt) at

      2026-05-22T20:48Z. Substring is the Laws and Requirements Applicable

      to Mortgage Servicing standard published by ML 2025-06 (subsequently

      carried forward under ML 2025-12).

      '
  promoted_at: '2026-05-22T20:17:42+00:00'
  promoted_from: hud-ml-2025-06-roundb-v1.yaml
  program_review: Do the servicing P&Ps ensure full compliance with CFPB-administered RESPA/TILA and, where applicable, Ginnie Mae MBS servicing requirements?
  file_review: Review servicing P&Ps, training, and QA samples; confirm coverage of RESPA/TILA and Ginnie Mae MBS requirements where applicable.
  judgment: false
- id: hud-ml-2025-06-loss-mit-eligibility-verification
  canonical_id: hud-ml-2025-06-loss-mit-eligibility-verification
  section: "HUD ML 2025-06 — Eligibility to Participate in HUD Programs (III.A.2.h.iii(A))"
  description: 'Before offering any FHA Loss Mitigation Option under the framework

    established by ML 2025-06, [LENDER] must verify that the Borrowers are

    eligible to participate in HUD''s Loss Mitigation Program (no other FHA-

    insured real estate beyond stated exceptions; no FHA-claim-paid prior

    loan in past 3 years; no debarment/suspension/LDP for relevant

    home-retention options; no unresolved delinquent Federal Debt for

    Partial Claim / Combination / Payment Supplement).

    '
  type: do
  audit_question: For every FHA-insured Mortgage in Default for which [LENDER] offered a Loss Mitigation Option under ML 2025-06, can [LENDER] evidence the Borrower-eligibility verification (no other FHA-insured real estate beyond stated exceptions, no FHA-claim-paid prior loan in past 3 years, no debarment/suspension/LDP for relevant options, no unresolved delinquent Federal Debt for Partial Claim / Combination / Payment Supplement)?
  workflow_phase: servicing
  owner_role: loss_mitigation_specialist
  secondary_owner_role: default_servicing_analyst
  cadence: per-defaulted-loan
  consequence: ''
  tags:
  - round-b
  - regulator-direct
  - hud-ml
  - fha
  - servicing
  - loss-mitigation
  - borrower-eligibility
  - promoted
  primary_source:
    tier: 1
    authority: "HUD ML 2025-06 — III.A.2.h.iii(A)"
    source_class: hud-ml-pdf
    source_url: https://www.hud.gov/sites/dfiles/OCHCO/documents/2025-06hsgml.pdf
    snapshot_id: a171c17f1f18edcd
    fetched_at: '2026-05-22T19:55:03Z'
    content_hash: sha256:863ffb7e3fa931168492a4ec3468b6a6a57540818012563279348202f71fdc69
    paragraph_quote: "The Mortgagee must verify that the Borrowers are eligible to participate in HUD’s \nLoss Mitigation Program."
    drafter_attestation: 'Copied verbatim from snapshot a171c17f1f18edcd (content.txt) at

      2026-05-22T20:48Z. Substring is the (A) Eligibility to Participate

      in HUD Programs operative requirement from ML 2025-06.

      '
  promoted_at: '2026-05-22T20:17:42+00:00'
  promoted_from: hud-ml-2025-06-roundb-v1.yaml
  program_review: Does the program account for the loss-mit eligibility conditions under the ML 2025-06 framework before any option is offered — no other FHA-insured real estate beyond stated exceptions, no FHA-claim-paid prior loan in 3 years, no debarment/suspension/LDP for the relevant option, no unresolved delinquent Federal Debt for Partial Claim/Combination/Payment Supplement?
  file_review: Spot-check ML-2025-06 loss-mit files; confirm documented Borrower-eligibility verification before the option was offered.
  judgment: false
_promotion_history:
- promoted_at: '2026-05-22T20:17:42+00:00'
  candidate_path: obligations\_remediation\_round_b_drafts\hud-ml-2025-06-roundb-v1.yaml
  candidates_promoted: 2
  candidates_skipped_existing: 0
