source:
  type: regulation
  id: hud-4000-1-iii-a-1-d
  authority: "HUD Handbook 4000.1 III.A.1.d — Communication with Borrowers and Authorized Third Parties"
  description: 'HUD Single-Family Housing Policy Handbook 4000.1, Section III.A.1.d.

    See obligation entries for operative requirements and verbatim

    primary-source citations.

    '
obligations:
- id: hud-4000-1-iii-a-1-d-provide-information-on-request
  canonical_id: hud-4000-1-iii-a-1-d-provide-information-on-request
  section: "HUD Handbook 4000.1 III.A.1.d.ii — Communication with Borrowers and Authorized Third Parties Standard"
  description: '[LENDER] must provide mortgage information and arrange for individual

    consultation with the Borrower and/or the Authorized Third Party,

    upon request by the Borrowers.

    '
  type: do
  audit_question: For every Borrower request for mortgage information or consultation (directly or through an Authorized Third Party), can [LENDER] evidence that the information was provided and individual consultation was arranged?
  workflow_phase: servicing
  owner_role: compliance_officer
  secondary_owner_role: default_servicing_analyst
  cadence: per-request
  consequence: ''
  tags:
  - round-b
  - regulator-direct
  - hud-handbook-4000-1
  - fha
  - servicing
  - borrower-communication
  - promoted
  primary_source:
    tier: 1
    authority: "HUD Handbook 4000.1 III.A.1.d.ii — 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: 'The Mortgagee must provide mortgage information and arrange for individual '
    drafter_attestation: Copied verbatim from HUD Handbook 4000.1 snapshot 8c03836f77f317e1 (III.A.1.d.ii) at 2026-05-23.
  promoted_at: '2026-05-23T00:39:05+00:00'
  promoted_from: hud-4000-1-iii-a-1-d-roundb-v1.yaml
  program_review: Do the P&Ps ensure mortgage information is provided and individual consultation arranged upon Borrower (or Authorized Third Party) request?
  file_review: Review the request log; confirm information was provided and consultation arranged for Borrower/Authorized-Third-Party requests.
  judgment: false
- id: hud-4000-1-iii-a-1-d-third-party-access-law-compliance
  canonical_id: hud-4000-1-iii-a-1-d-third-party-access-law-compliance
  section: "HUD Handbook 4000.1 III.A.1.d.ii — Compliance with Third-Party Access Laws"
  description: '[LENDER] must comply with all laws, rules, and requirements applicable

    to third-party access to mortgage information.

    '
  type: do
  audit_question: Can [LENDER] evidence (in its policies and operational records) compliance with all laws, rules, and requirements applicable to third-party access to FHA mortgage information?
  workflow_phase: servicing
  owner_role: compliance_officer
  secondary_owner_role: default_servicing_analyst
  cadence: ongoing
  consequence: ''
  tags:
  - round-b
  - regulator-direct
  - hud-handbook-4000-1
  - fha
  - servicing
  - third-party-access
  - promoted
  primary_source:
    tier: 1
    authority: "HUD Handbook 4000.1 III.A.1.d.ii — 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: The Mortgagee must comply with all laws, rules, and requirements applicable to third-
    drafter_attestation: Copied verbatim from HUD Handbook 4000.1 snapshot 8c03836f77f317e1 (III.A.1.d.ii) at 2026-05-23.
  promoted_at: '2026-05-23T00:39:05+00:00'
  promoted_from: hud-4000-1-iii-a-1-d-roundb-v1.yaml
  program_review: Do the P&Ps ensure compliance with all laws/rules applicable to third-party access to mortgage information?
  file_review: Review policies and operational records; confirm third-party-access-law compliance controls are in place and followed.
  judgment: false
- id: hud-4000-1-iii-a-1-d-third-party-authorization-documentation
  canonical_id: hud-4000-1-iii-a-1-d-third-party-authorization-documentation
  section: "HUD Handbook 4000.1 III.A.1.d.iii — Required Documentation"
  description: 'If communicating with an Authorized Third Party, [LENDER] must include

    documentation of the authorization in the servicing binder (e.g.,

    a signed Borrower authorization, a Power of Attorney, guardianship

    order, or other documentation showing legal authorization to access

    the Borrower''s records).

    '
  type: do
  audit_question: For every communication with an Authorized Third Party regarding an FHA Mortgage, can [LENDER] evidence inclusion of the documentation of authorization (signed Borrower authorization, POA, guardianship order, or other legal authorization) in the servicing binder?
  workflow_phase: servicing
  owner_role: compliance_officer
  secondary_owner_role: default_servicing_analyst
  cadence: per-third-party-communication
  consequence: ''
  tags:
  - round-b
  - regulator-direct
  - hud-handbook-4000-1
  - fha
  - servicing
  - authorized-third-party
  - documentation
  - promoted
  primary_source:
    tier: 1
    authority: "HUD Handbook 4000.1 III.A.1.d.iii — Required Documentation"
    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: 'If communicating with an Authorized Third Party, the Mortgagee must include '
    drafter_attestation: Copied verbatim from HUD Handbook 4000.1 snapshot 8c03836f77f317e1 (III.A.1.d.iii) at 2026-05-23.
  promoted_at: '2026-05-23T00:39:05+00:00'
  promoted_from: hud-4000-1-iii-a-1-d-roundb-v1.yaml
  program_review: Do the P&Ps ensure that whenever [LENDER] communicates with an Authorized Third Party, the authorization documentation (signed Borrower authorization, POA, guardianship order, or other legal authorization) is in the servicing binder?
  file_review: Pull files with Authorized-Third-Party communication; confirm the authorization documentation is in the servicing binder.
  judgment: false
_promotion_history:
- promoted_at: '2026-05-23T00:39:05+00:00'
  candidate_path: obligations\_remediation\_round_b_drafts\hud-4000-1-iii-a-1-d-roundb-v1.yaml
  candidates_promoted: 3
  candidates_skipped_existing: 0
