source:
  type: regulation
  id: hud-4000-1-claims-without-conveyance-of-title
  authority: HUD Handbook 4000.1 — Claims Without Conveyance of Title (07/12/2022)
  description: "HUD Handbook 4000.1 section \"Claims Without Conveyance of Title\". Gap-fill (verbatim, title-diff).\
    \ \n"
obligations:
- id: hud-4000-1-claims-without-conveyance-of-title-0
  canonical_id: hud-4000-1-claims-without-conveyance-of-title-0
  section: HUD Handbook 4000.1 — Claims Without Conveyance of Title
  description: 'Claims Without Conveyance of Title: iii. Claims Without Conveyance of Title (07/12/2022) (A) Definitions
    A Claims Without Conveyance of Title (CWCOT) is a procedure under which the Mortgagee attempts to secure a third-party
    purchaser for the mortgaged Property so that conveyance to HUD is not required in exchange f…'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - handbook-4000-1
  - section-complete
  primary_source:
    tier: 1
    authority: HUD Handbook 4000.1 — Claims Without Conveyance of Title (07/12/2022)
    source_class: hud-handbook-4000-1
    source_url: https://www.hud.gov/hud-partners/single-family-handbook-4000
    snapshot_id: 8c03836f77f317e1
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:411430f29b13f9b54a2ebb0e6f6e7087ecd2b90d0da22eb0c8c792eaa2d7d0df
    paragraph_quote: iii. Claims Without Conveyance of Title (07/12/2022) (A) Definitions A Claims Without Conveyance
      of Title (CWCOT) is a procedure under which the Mortgagee attempts to secure a third-party purchaser for the
      mortgaged Property so that conveyance to HUD is not required in exchange for mortgage insurance benefits.
      A Competitive Sale is a CWCOT-related sale where a Mortgagee elects to use an independent third-party provider
      to conduct the foreclosure sale or in connection with any post-foreclosure sales efforts and where the Property
      is marketed for a minimum of 15 Days. A Non-Competitive Sale is a CWCOT-related sale where a Mortgagee elects
      not to use an independent third-party provider to conduct the foreclosure sale or in connection with any post-foreclosure
      sales efforts and/or the Property is not marketed for a minimum of 15 Days.
    drafter_attestation: Verbatim paragraph from HUD 4000.1 section "Claims Without Conveyance of Title", snapshot
      8c03836f77f317e1; substring-verified. Title-diff gap-fill.
  judgment: false
- id: hud-4000-1-claims-without-conveyance-of-title-1
  canonical_id: hud-4000-1-claims-without-conveyance-of-title-1
  section: HUD Handbook 4000.1 — Claims Without Conveyance of Title
  description: 'Claims Without Conveyance of Title: III. SERVICING AND LOSS MITIGATION A. Title II Insured Housing
    Programs Forward Mortgages 2. Default Servicing'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - handbook-4000-1
  - section-complete
  primary_source:
    tier: 1
    authority: HUD Handbook 4000.1 — Claims Without Conveyance of Title (07/12/2022)
    source_class: hud-handbook-4000-1
    source_url: https://www.hud.gov/hud-partners/single-family-handbook-4000
    snapshot_id: 8c03836f77f317e1
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:411430f29b13f9b54a2ebb0e6f6e7087ecd2b90d0da22eb0c8c792eaa2d7d0df
    paragraph_quote: III. SERVICING AND LOSS MITIGATION A. Title II Insured Housing Programs Forward Mortgages 2.
      Default Servicing
    drafter_attestation: Verbatim paragraph from HUD 4000.1 section "Claims Without Conveyance of Title", snapshot
      8c03836f77f317e1; substring-verified. Title-diff gap-fill.
  judgment: false
- id: hud-4000-1-claims-without-conveyance-of-title-2
  canonical_id: hud-4000-1-claims-without-conveyance-of-title-2
  section: HUD Handbook 4000.1 — Claims Without Conveyance of Title
  description: 'Claims Without Conveyance of Title: III. SERVICING AND LOSS MITIGATION A. Title II Insured Housing
    Programs Forward Mortgages 2. Default Servicing'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - handbook-4000-1
  - section-complete
  primary_source:
    tier: 1
    authority: HUD Handbook 4000.1 — Claims Without Conveyance of Title (07/12/2022)
    source_class: hud-handbook-4000-1
    source_url: https://www.hud.gov/hud-partners/single-family-handbook-4000
    snapshot_id: 8c03836f77f317e1
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:411430f29b13f9b54a2ebb0e6f6e7087ecd2b90d0da22eb0c8c792eaa2d7d0df
    paragraph_quote: III. SERVICING AND LOSS MITIGATION A. Title II Insured Housing Programs Forward Mortgages 2.
      Default Servicing
    drafter_attestation: Verbatim paragraph from HUD 4000.1 section "Claims Without Conveyance of Title", snapshot
      8c03836f77f317e1; substring-verified. Title-diff gap-fill.
  judgment: false
- id: hud-4000-1-claims-without-conveyance-of-title-3
  canonical_id: hud-4000-1-claims-without-conveyance-of-title-3
  section: HUD Handbook 4000.1 — Claims Without Conveyance of Title
  description: 'Claims Without Conveyance of Title: III. SERVICING AND LOSS MITIGATION A. Title II Insured Housing
    Programs Forward Mortgages 2. Default Servicing'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - handbook-4000-1
  - section-complete
  primary_source:
    tier: 1
    authority: HUD Handbook 4000.1 — Claims Without Conveyance of Title (07/12/2022)
    source_class: hud-handbook-4000-1
    source_url: https://www.hud.gov/hud-partners/single-family-handbook-4000
    snapshot_id: 8c03836f77f317e1
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:411430f29b13f9b54a2ebb0e6f6e7087ecd2b90d0da22eb0c8c792eaa2d7d0df
    paragraph_quote: III. SERVICING AND LOSS MITIGATION A. Title II Insured Housing Programs Forward Mortgages 2.
      Default Servicing
    drafter_attestation: Verbatim paragraph from HUD 4000.1 section "Claims Without Conveyance of Title", snapshot
      8c03836f77f317e1; substring-verified. Title-diff gap-fill.
  judgment: false
- id: hud-4000-1-claims-without-conveyance-of-title-4
  canonical_id: hud-4000-1-claims-without-conveyance-of-title-4
  section: HUD Handbook 4000.1 — Claims Without Conveyance of Title
  description: 'Claims Without Conveyance of Title: III. SERVICING AND LOSS MITIGATION A. Title II Insured Housing
    Programs Forward Mortgages 2. Default Servicing'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - handbook-4000-1
  - section-complete
  primary_source:
    tier: 1
    authority: HUD Handbook 4000.1 — Claims Without Conveyance of Title (07/12/2022)
    source_class: hud-handbook-4000-1
    source_url: https://www.hud.gov/hud-partners/single-family-handbook-4000
    snapshot_id: 8c03836f77f317e1
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:411430f29b13f9b54a2ebb0e6f6e7087ecd2b90d0da22eb0c8c792eaa2d7d0df
    paragraph_quote: III. SERVICING AND LOSS MITIGATION A. Title II Insured Housing Programs Forward Mortgages 2.
      Default Servicing
    drafter_attestation: Verbatim paragraph from HUD 4000.1 section "Claims Without Conveyance of Title", snapshot
      8c03836f77f317e1; substring-verified. Title-diff gap-fill.
  judgment: false
- id: hud-4000-1-claims-without-conveyance-of-title-5
  canonical_id: hud-4000-1-claims-without-conveyance-of-title-5
  section: HUD Handbook 4000.1 — Claims Without Conveyance of Title
  description: 'Claims Without Conveyance of Title: III. SERVICING AND LOSS MITIGATION A. Title II Insured Housing
    Programs Forward Mortgages 2. Default Servicing'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - handbook-4000-1
  - section-complete
  primary_source:
    tier: 1
    authority: HUD Handbook 4000.1 — Claims Without Conveyance of Title (07/12/2022)
    source_class: hud-handbook-4000-1
    source_url: https://www.hud.gov/hud-partners/single-family-handbook-4000
    snapshot_id: 8c03836f77f317e1
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:411430f29b13f9b54a2ebb0e6f6e7087ecd2b90d0da22eb0c8c792eaa2d7d0df
    paragraph_quote: III. SERVICING AND LOSS MITIGATION A. Title II Insured Housing Programs Forward Mortgages 2.
      Default Servicing
    drafter_attestation: Verbatim paragraph from HUD 4000.1 section "Claims Without Conveyance of Title", snapshot
      8c03836f77f317e1; substring-verified. Title-diff gap-fill.
  judgment: false
- id: hud-4000-1-claims-without-conveyance-of-title-6
  canonical_id: hud-4000-1-claims-without-conveyance-of-title-6
  section: HUD Handbook 4000.1 — Claims Without Conveyance of Title
  description: 'Claims Without Conveyance of Title: III. SERVICING AND LOSS MITIGATION A. Title II Insured Housing
    Programs Forward Mortgages 2. Default Servicing'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - handbook-4000-1
  - section-complete
  primary_source:
    tier: 1
    authority: HUD Handbook 4000.1 — Claims Without Conveyance of Title (07/12/2022)
    source_class: hud-handbook-4000-1
    source_url: https://www.hud.gov/hud-partners/single-family-handbook-4000
    snapshot_id: 8c03836f77f317e1
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:411430f29b13f9b54a2ebb0e6f6e7087ecd2b90d0da22eb0c8c792eaa2d7d0df
    paragraph_quote: III. SERVICING AND LOSS MITIGATION A. Title II Insured Housing Programs Forward Mortgages 2.
      Default Servicing
    drafter_attestation: Verbatim paragraph from HUD 4000.1 section "Claims Without Conveyance of Title", snapshot
      8c03836f77f317e1; substring-verified. Title-diff gap-fill.
  judgment: false
