source:
  type: regulation
  id: usda-hb-3555-18.12
  authority: USDA Technical Handbook HB-1-3555 §18.12 — Reporting Requirements
  description: "USDA HB-1-3555 §18.12 (Reporting Requirements). Gap-fill (verbatim). \n"
obligations:
- id: usda-hb-3555-18.12-0
  canonical_id: usda-hb-3555-18.12-0
  section: USDA HB-1-3555 18.12 — Reporting Requirements
  description: '18.12 Reporting Requirements: PORTING REQUIREMENTS In accordance with Chapter 17 of this Handbook,
    servicers are required to report to the Agency all accounts monthly through ESR. Additional guidance regarding
    EDI reporting may be found online at https://www.rd.usda.gov/resources/usda-linc-training-resource-l…'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - usda-hb-3555
  - section-complete
  primary_source:
    tier: 1
    authority: USDA Technical Handbook HB-1-3555 §18.12 — Reporting Requirements
    source_class: usda-handbook-hb-1-3555
    source_url: https://www.rd.usda.gov/resources/directives/handbooks
    snapshot_id: 0466acd1ea2d17a4
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:22ac6f998ff72578e318fca138ebe80fb18ae2fc701eb5936172f1842679a13a
    paragraph_quote: 'PORTING REQUIREMENTS In accordance with Chapter 17 of this Handbook, servicers are required
      to report to the Agency all accounts monthly through ESR. Additional guidance regarding EDI reporting may
      be found online at https://www.rd.usda.gov/resources/usda-linc-training-resource-library/loan-servicing SECTION
      5: ASSISTANCE IN NATURAL DISASTERS [7 CFR 3555.307] The following provides guidance for servicing accounts
      when a county, parish or municipality has been identified as a Presidentially Declared Disaster (PDD) area
      where federal aid in the form of individual assistance is being made available.'
    drafter_attestation: Verbatim from HB-1-3555 §18.12 body (max-gap occurrence), snapshot 0466acd1ea2d17a4; substring-verified.
  judgment: false
- id: usda-hb-3555-18.12-1
  canonical_id: usda-hb-3555-18.12-1
  section: USDA HB-1-3555 18.12 — Reporting Requirements
  description: '18.12 Reporting Requirements: OPERTY PROTECTION [7 CFR 3555.307(B)] When a servicer becomes aware
    that they have properties secured by an Agency guarantee in a PDD they immediately take the following actions:'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - usda-hb-3555
  - section-complete
  primary_source:
    tier: 1
    authority: USDA Technical Handbook HB-1-3555 §18.12 — Reporting Requirements
    source_class: usda-handbook-hb-1-3555
    source_url: https://www.rd.usda.gov/resources/directives/handbooks
    snapshot_id: 0466acd1ea2d17a4
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:22ac6f998ff72578e318fca138ebe80fb18ae2fc701eb5936172f1842679a13a
    paragraph_quote: 'OPERTY PROTECTION [7 CFR 3555.307(B)] When a servicer becomes aware that they have properties
      secured by an Agency guarantee in a PDD they immediately take the following actions:'
    drafter_attestation: Verbatim from HB-1-3555 §18.12 body (max-gap occurrence), snapshot 0466acd1ea2d17a4; substring-verified.
  judgment: false
- id: usda-hb-3555-18.12-2
  canonical_id: usda-hb-3555-18.12-2
  section: USDA HB-1-3555 18.12 — Reporting Requirements
  description: '18.12 Reporting Requirements: 04-14-25) PN 637 Guidance documents lack the force and effect of law,
    unless expressly authorized by statute or incorporated into a contract. USDA may not cite, use, or rely on any
    guidance that is not available through their guidance portal, except to establish historical facts.…'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - usda-hb-3555
  - section-complete
  primary_source:
    tier: 1
    authority: USDA Technical Handbook HB-1-3555 §18.12 — Reporting Requirements
    source_class: usda-handbook-hb-1-3555
    source_url: https://www.rd.usda.gov/resources/directives/handbooks
    snapshot_id: 0466acd1ea2d17a4
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:22ac6f998ff72578e318fca138ebe80fb18ae2fc701eb5936172f1842679a13a
    paragraph_quote: 04-14-25) PN 637 Guidance documents lack the force and effect of law, unless expressly authorized
      by statute or incorporated into a contract. USDA may not cite, use, or rely on any guidance that is not available
      through their guidance portal, except to establish historical facts. x Ascertain the number of affected properties.
      x Secure abandoned properties. x Determine the extent and nature of the damage and the effect on the borrower’s
      ability to continue making mortgage payments. x Determine if the property is adequately insured against the
      damage. x Aid the borrower regarding the availability of appropriate relief provisions from local, state,
      or federal disaster assistance. x Consider waiving any late payment charges if the borrower’s payments are
      late because of added expenses or loss of income due to the disaster. x Monitor and coordinate hazard insurance
      claims. x Monitor and coordinate the progression of repairs when a deposit of insurance proceeds occurs in
      lieu of borrowers receiving insurance proceeds for properties.
    drafter_attestation: Verbatim from HB-1-3555 §18.12 body (max-gap occurrence), snapshot 0466acd1ea2d17a4; substring-verified.
  judgment: false
- id: usda-hb-3555-18.12-3
  canonical_id: usda-hb-3555-18.12-3
  section: USDA HB-1-3555 18.12 — Reporting Requirements
  description: '18.12 Reporting Requirements: ECIAL RELIEF MEASURES [7 CFR 3555.307(c)] The servicer must suspend
    all foreclosure actions for affected borrowers in PDD areas effective for 90 days from the date of declaration
    unless extended by the Agency. This applies to both the initiation of new foreclosures as well as for…'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - usda-hb-3555
  - section-complete
  primary_source:
    tier: 1
    authority: USDA Technical Handbook HB-1-3555 §18.12 — Reporting Requirements
    source_class: usda-handbook-hb-1-3555
    source_url: https://www.rd.usda.gov/resources/directives/handbooks
    snapshot_id: 0466acd1ea2d17a4
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:22ac6f998ff72578e318fca138ebe80fb18ae2fc701eb5936172f1842679a13a
    paragraph_quote: 'ECIAL RELIEF MEASURES [7 CFR 3555.307(c)] The servicer must suspend all foreclosure actions
      for affected borrowers in PDD areas effective for 90 days from the date of declaration unless extended by
      the Agency. This applies to both the initiation of new foreclosures as well as foreclosures already in process.
      To be eligible for a suspension of foreclosure activities the property or the borrower’s place of employment
      must be directly affected by the PDD. During the suspension servicers should consider the following factors
      to determine the appropriate course of action: x Evaluate the effects of the disaster. x Instruct the borrower
      to file insurance claims and apply for disaster assistance that may be available through FEMA, state, and
      local governments. x Offer appropriate repayment plans as outlined in Section 2 of this Chapter. x Determine
      if foreclosure is the only option. The borrower’s income or ability to pay the mortgage, any increase in living
      expenses, the extent of damage, the delinquency status of the mortgage, and the'
    drafter_attestation: Verbatim from HB-1-3555 §18.12 body (max-gap occurrence), snapshot 0466acd1ea2d17a4; substring-verified.
  judgment: false
- id: usda-hb-3555-18.12-4
  canonical_id: usda-hb-3555-18.12-4
  section: USDA HB-1-3555 18.12 — Reporting Requirements
  description: '18.12 Reporting Requirements: 04-14-25) PN 637 Guidance documents lack the force and effect of law,
    unless expressly authorized by statute or incorporated into a contract. USDA may not cite, use, or rely on any
    guidance that is not available through their guidance portal, except to establish historical facts.…'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - usda-hb-3555
  - section-complete
  primary_source:
    tier: 1
    authority: USDA Technical Handbook HB-1-3555 §18.12 — Reporting Requirements
    source_class: usda-handbook-hb-1-3555
    source_url: https://www.rd.usda.gov/resources/directives/handbooks
    snapshot_id: 0466acd1ea2d17a4
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:22ac6f998ff72578e318fca138ebe80fb18ae2fc701eb5936172f1842679a13a
    paragraph_quote: 04-14-25) PN 637 Guidance documents lack the force and effect of law, unless expressly authorized
      by statute or incorporated into a contract. USDA may not cite, use, or rely on any guidance that is not available
      through their guidance portal, except to establish historical facts. availability of alternative housing are
      additional factors to consider. The goal should be a formal relief provision that will cure the delinquency
      as soon as possible without imposing an undue hardship on the borrower. Forbearance is highly encouraged in
      disasters. Under forbearance, the servicer can agree to reduce or suspend the borrower’s monthly payments
      for up to 12 months. At the conclusion of the forbearance the borrower must agree to resume his or her regular
      monthly payments and to pay additional money at scheduled intervals toward repayment of the amount reduced
      or suspended. Regular follow-up during a suspension and reassessment of the individual borrower’s circumstances,
      based upon property inspections, and borrower financial information at the end of the suspension period should
      be conducted. If the servicer is not actively engaged in workout options with the borrower(s) and believes
      suspension beyond the 90- day period is warranted, the servicer must document the reason to extend a hold
      on all foreclosure actions and retain the documentation in their collection systems. Failure to do so may
      impact any future loss claim payment. Servicers may use existing loss mitigation workout options to reinstate
      a borrower ready to resume mortgage responsibilities. Late charges while the borrower is on a forbearance
      plan, or paying as agreed on a repayment plan, should not be assessed. The servicer should take appropriate
      steps to mitigate the credit impact for a borrower for whom a forbearance or repayment plan is extended due
      to disaster-related circumstances.
    drafter_attestation: Verbatim from HB-1-3555 §18.12 body (max-gap occurrence), snapshot 0466acd1ea2d17a4; substring-verified.
  judgment: false
