source:
  type: guide
  id: hud-4000-1-iii-a-servicing-in-compliance-with-law-3
  authority: FHA Single Family Housing Policy Handbook 4000.1, Part III — a. Servicing
    in Compliance with Law (11/07/2023)
  description: FHA Single Family Housing Policy Handbook 4000.1, Part III — a. Servicing
    in Compliance with Law (11/07/2023).
  coverage_tier: operative
obligations:
- id: hud-4000-1-iii-a-servicing-in-compliance-with-law-3-full
  canonical_id: hud-4000-1-iii-a-servicing-in-compliance-with-law-3-full
  section: FHA Single Family Housing Policy Handbook 4000.1, Part III — a. Servicing
    in Compliance with Law (11/07/2023)
  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 III — a. Servicing
      in Compliance with Law (11/07/2023)
    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: 'a. Servicing in Compliance with Law (11/07/2023) i. Definition
      The Loan Holder is the entity who holds title to the FHA-insured Loan and has
      the right to enforce the loan agreement. The Loan Servicer is the entity responsible
      for performing servicing actions on FHA- insured Loans on its behalf or on behalf
      of or at the direction of another FHA-approved Lender. ii. Standard Lenders
      must ensure all Title I FHA-insured Loans are serviced in accordance with FHA
      requirements and all applicable laws. Lenders must service all FHA-insured Loans
      in accordance with FHA requirements and all applicable laws. Lenders must comply
      with all laws, rules, and requirements applicable to loan servicing, including
      full compliance with the applicable requirements under the purview of the Consumer
      Financial Protection Bureau (CFPB), including the Real Estate Settlement Procedures
      Act (RESPA) and the Truth in Lending Act (TILA). III. SERVICING AND LOSS MITIGATION
      C. Title I Insured Programs 2. Title I Manufactured Home Loan Program Handbook
      4000.1 1552 Last Revised: 11/26/2025 Lenders must comply with all antidiscrimination
      laws, rules, and nondiscrimination and equal opportunity statutes, regulations,
      contract provisions, and other requirements applicable to servicing performing
      FHA-insured Loans and FHA-insured Loans in Default, including full compliance
      with the applicable requirements of: • Fair Housing Act, 42 U.S.C. §§ 3601–3619;
      • the Fair Credit Reporting Act (FCRA), 15 U.S.C. §§ 1681–1681x; and • the Equal
      Credit Opportunity Act (ECOA), 15 U.S.C. §§ 1691–1691f. The Lender must make
      all determinations with respect to the adequacy of the Borrower’s income in
      a uniform manner without regard to race, color, religion, sex, age, national
      origin, familial status, disability, marital status, receipt of public assistance,
      because the applicant has in good faith exercised any right under the Consumer
      Credit Protection Act, or location of the Property.'
  judgment: false
