source:
  type: guide
  id: hud-4000-1-v-b-procedures
  authority: FHA Single Family Housing Policy Handbook 4000.1, Part V — b. Procedures
    (11/18/2020)
  description: FHA Single Family Housing Policy Handbook 4000.1, Part V — b. Procedures
    (11/18/2020).
  coverage_tier: operative
obligations:
- id: hud-4000-1-v-b-procedures-full
  canonical_id: hud-4000-1-v-b-procedures-full
  section: FHA Single Family Housing Policy Handbook 4000.1, Part V — b. Procedures
    (11/18/2020)
  type: do
  tags:
  - regulator-direct
  - fha
  - hud-handbook
  - corpus-expansion
  - tier-operative
  primary_source:
    tier: 1
    authority: FHA Single Family Housing Policy Handbook 4000.1, Part V — b. Procedures
      (11/18/2020)
    source_class: hud-handbook
    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: 'b. Procedures (11/18/2020) The following is a brief summary
      of the procedures of the MRB under 24 CFR Parts 25, 26, and 30. V. QUALITY CONTROL,
      OVERSIGHT, AND COMPLIANCE E. Enforcement 4. Mortgagee Review Board Actions and
      Sanctions Handbook 4000.1 1747 Last Revised: 11/26/2025 i. Notice of Violation
      The MRB will send the Mortgagee an NOV detailing the Mortgagee’s alleged violations.
      (A) Mortgagee Response The Mortgagee may provide the MRB with a written response
      within 30 Days of receiving the NOV. The MRB will consider the Mortgagee’s response,
      as well as other relevant material, when deciding which administrative action
      to take, if any, and whether to seek civil money penalties against the Mortgagee.
      If the Mortgagee fails to respond to the NOV within 30 Days, the MRB will make
      a final determination based upon the information available to it. (B) Preservation
      of Documents Upon receipt of the NOV, the Mortgagee is required to preserve
      and maintain all documents and data, including electronically stored data, within
      the Mortgagee’s possession or control that may relate to the violations alleged
      in the NOV. ii. Notice of Administrative Action If the MRB decides to take administrative
      action against the Mortgagee, the MRB will issue a Notice of Administrative
      Action to the Mortgagee describing the nature and duration of the action and
      setting forth the basis for the action being taken. iii. Appeal (A) Request
      for Hearing Mortgagees may appeal a probation, suspension or withdrawal action
      by the MRB by submitting a written request for a hearing within 30 Days of receipt
      of the Notice of Administrative Action. The Mortgagee’s request for a hearing
      must specifically respond to the violations set forth in the Notice of Administrative
      Action. (B) Hearing Process and Procedures Hearings are conducted before an
      impartial Administrative Law Judge in accordance with the procedures set forth
      in 24 CFR Part 26, Subpart B. (C) Waiver of Appeal If a Mortgagee fails to request
      a hearing within the 30-Day period, the MRB action becomes final. V. QUALITY
      CONTROL, OVERSIGHT, AND COMPLIANCE E. Enforcement 5. Actions and Sanctions Against
      Individuals and Other Program Participants Handbook 4000.1 1748 Last Revised:
      11/26/2025 iv. Public Notice (A) Federal Register Pursuant to the National Housing
      Act (12 U.S.C. § 1708(c)(5)), HUD publishes a description of and the cause for
      each administrative action against an FHA-approved Mortgagee in the Federal
      Register. The Federal Register notices include details on all MRB actions, including
      letters of reprimand, probations, suspensions, withdrawals of FHA approval,
      settlement agreements, and civil money penalties. (B) Agency Notifications If
      the MRB suspends or withdraws the approval of a Mortgagee, FHA is required to
      notify certain state, federal, and other interested agencies that interact with
      the Mortgagee, including: • Conference of State Bank Supervisors/NMLS • CFPB
      • Fannie Mae • Federal Deposit Insurance Corporation (FDIC) • Federal Reserve
      • Freddie Mac • Ginnie Mae • National Credit Union Administration (NCUA) • Office
      of the Comptroller of the Currency • U.S. Department of Agriculture Rural Development
      Housing Authority • U.S. Department of Veterans Affairs 5. Actions and Sanctions
      Against Individuals and Other Program Participants HUD may also impose civil
      money penalties and take administrative action against individuals and other
      program participants for violations of FHA mortgage insurance program requirements.'
  judgment: false
