source:
  type: regulation
  id: usda-7cfr-3555.302
  authority: 7 CFR Part 3555 — USDA Single Family Housing Guaranteed Loan Program § 3555.302 — Protective advances
  description: '7 CFR Part 3555 — USDA Single Family Housing Guaranteed Loan Program, §3555.302 Protective advances.
    Captured section-complete (all subsections verbatim).

    '
obligations:
- id: usda-7cfr-3555.302-full
  canonical_id: usda-7cfr-3555.302-full
  section: 7 CFR §3555.302
  description: 'Protective advances: Lenders may pay the following pre-liquidation expenses necessary to protect
    the security property and charge the cost against the borrower''s 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 § 3555.302
    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: Lenders may pay the following pre-liquidation expenses necessary to protect the security property
      and charge the cost against the borrower's account.
    drafter_attestation: Verbatim (whitespace-normalized) slice of §3555.302 (whole section) from snapshot 60bd6fb03befa14c;
      substring-verified.
  judgment: false
- id: usda-7cfr-3555.302-a
  canonical_id: usda-7cfr-3555.302-a
  section: 7 CFR §3555.302(a)
  description: 'Protective advances — (a): (a) Advances for taxes and insurance. Without prior Agency concurrence,
    lenders may advance funds to pay past due real estate taxes, hazard and flood insurance premiums, and other
    related costs.'
  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 § 3555.302
    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) Advances for taxes and insurance. Without prior Agency concurrence, lenders may advance
      funds to pay past due real estate taxes, hazard and flood insurance premiums, and other related costs.
    drafter_attestation: Verbatim (whitespace-normalized) slice of §3555.302 subsection (a) from snapshot 60bd6fb03befa14c;
      substring-verified.
  judgment: false
- id: usda-7cfr-3555.302-b
  canonical_id: usda-7cfr-3555.302-b
  section: 7 CFR §3555.302(b)
  description: 'Protective advances — (b): (b) Advances for costs other than taxes and insurance. Protective advances
    for costs other than taxes and insurance, such as emergency repairs, can be made only if the borrower cannot,
    or will not, obtain an additional loan or reimbursement from an insurer or the borrower has abandoned 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 § 3555.302
    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) Advances for costs other than taxes and insurance. Protective advances for costs other
      than taxes and insurance, such as emergency repairs, can be made only if the borrower cannot, or will not,
      obtain an additional loan or reimbursement from an insurer or the borrower has abandoned the property. The
      lender must determine that any repairs funded by protective advances are cost effective. Repairs funded by
      protective advances must be planned, performed and inspected in accordance with &#xA7; 3555.202 and as further
      described by the Agency. The lender must obtain prior Agency concurrence before issuing protective advances
      under this paragraph of a significant amount as specified by the Agency. [78 FR 73941, Dec. 9, 2013, as amended
      at 81 FR 6430, Feb. 8, 2016; 84 FR 70886, Dec. 26, 2019]
    drafter_attestation: Verbatim (whitespace-normalized) slice of §3555.302 subsection (b) from snapshot 60bd6fb03befa14c;
      substring-verified.
  judgment: false
