HUD Handbook 4000.1 III.A.1.b — Responsibility for Servicing Actions

hud-4000-1-iii-a-1-b

HUD Single-Family Housing Policy Handbook 4000.1, Section III.A.1.b (Responsibility for Servicing Actions). See obligation entries for operative requirements and verbatim primary-source citations.

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source:
  type: regulation
  id: hud-4000-1-iii-a-1-b
  authority: HUD Handbook 4000.1 III.A.1.b — Responsibility for Servicing Actions
  description: |
    HUD Single-Family Housing Policy Handbook 4000.1, Section III.A.1.b
    (Responsibility for Servicing Actions). See obligation entries for
    operative requirements and verbatim primary-source citations.
obligations:
  - id: hud-4000-1-iii-a-1-b-holder-responsibility
    canonical_id: hud-4000-1-iii-a-1-b-holder-responsibility
    section: HUD Handbook 4000.1 III.A.1.b — Responsibility for Servicing Actions
    description: |
      [LENDER] (as Mortgage Holder) is responsible for all servicing actions,
      including the acts of its Servicers. [LENDER] (as Servicer) is
      responsible for its actions in servicing FHA-insured Mortgages,
      Partial Claim Subordinate Mortgages, and Payment Supplement
      Subordinate Mortgages, and is also responsible for actions taken at
      the direction, or on behalf, of the Mortgage Holder.
    type: do
    audit_question: Can [LENDER] evidence (in its policies and operational records) accountability for all FHA servicing actions taken by itself and by any subservicer acting on its behalf?
    program_review: Do the P&Ps establish accountability for all FHA servicing actions taken by [LENDER] and by any subservicer acting at its direction or on its behalf (including Partial Claim / Payment Supplement subordinate mortgages)?
    file_review: Review policy and operational records; confirm documented accountability for [LENDER]'s and subservicers' FHA servicing actions.
    judgment: false
    feeds: []
    workflow_phase: servicing
    owner_role: compliance_officer
    secondary_owner_role: default_servicing_analyst
    cadence: ongoing
    consequence: ''
    tags:
      - round-b
      - regulator-direct
      - hud-handbook-4000-1
      - fha
      - servicing
      - servicing-responsibility
      - promoted
    primary_source:
      tier: 1
      authority: HUD Handbook 4000.1 III.A.1.b — Responsibility for Servicing Actions
      source_class: hud-handbook-4000-1
      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: 'Mortgage Holders are responsible for all servicing actions, including the acts of its Servicers. '
      drafter_attestation: Copied verbatim from HUD Handbook 4000.1 snapshot 8c03836f77f317e1 (III.A.1.b) at 2026-05-23.
    promoted_at: '2026-05-23T00:37:32+00:00'
    promoted_from: hud-4000-1-iii-a-1-b-roundb-v1.yaml
  - id: hud-4000-1-iii-a-1-b-no-subservicing-cost-passthrough
    canonical_id: hud-4000-1-iii-a-1-b-no-subservicing-cost-passthrough
    section: HUD Handbook 4000.1 III.A.1.b — Responsibility for Servicing Actions
    description: |
      [LENDER] must not impose the costs associated with subservicing on the
      Borrower or pass those costs along to HUD in a claim for mortgage
      insurance benefits.
    type: dont
    audit_question: Can [LENDER] evidence that no subservicing cost was billed to any Borrower or included in any claim for FHA mortgage insurance benefits?
    program_review: Do the P&Ps ensure no subservicing cost is billed to any Borrower or included in any FHA insurance claim?
    file_review: Review Borrower billing and claim submissions; confirm no subservicing cost was passed through to the Borrower or HUD.
    judgment: false
    feeds: []
    workflow_phase: servicing
    owner_role: compliance_officer
    secondary_owner_role: claims_specialist
    cadence: ongoing
    consequence: ''
    tags:
      - round-b
      - regulator-direct
      - hud-handbook-4000-1
      - fha
      - servicing
      - subservicing
      - claim-integrity
      - promoted
    primary_source:
      tier: 1
      authority: HUD Handbook 4000.1 III.A.1.b — Responsibility for Servicing Actions
      source_class: hud-handbook-4000-1
      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: 'The costs associated with subservicing may not be imposed on the Borrower or passed along '
      drafter_attestation: Copied verbatim from HUD Handbook 4000.1 snapshot 8c03836f77f317e1 (III.A.1.b) at 2026-05-23.
    promoted_at: '2026-05-23T00:37:32+00:00'
    promoted_from: hud-4000-1-iii-a-1-b-roundb-v1.yaml
  - id: hud-4000-1-iii-a-1-b-transfer-15-day-report
    canonical_id: hud-4000-1-iii-a-1-b-transfer-15-day-report
    section: HUD Handbook 4000.1 III.A.1.b.i(C) — Responsibility during Transfers of Servicing Rights, Required Documentation
    description: |
      When [LENDER] is the Transferor Servicing Mortgagee, [LENDER] must
      report the Transfer Date and update the mortgage record in FHA
      Connection (FHAC) or by Electronic Data Interchange (EDI) or Business
      to Government (B2G) within 15 Days of the Transfer Date.
    type: do
    audit_question: For every transfer of FHA servicing rights, can [LENDER] (as Transferor Servicing Mortgagee) evidence reporting of the Transfer Date and update of the mortgage record in FHAC, EDI, or B2G within 15 Days of the Transfer Date?
    program_review: Do the P&Ps ensure that, as Transferor Servicing Mortgagee, the Transfer Date is reported and the mortgage record updated in FHAC/EDI/B2G within 15 Days of the Transfer Date?
    file_review: Pull servicing-transfer-out events; confirm the Transfer-Date report and mortgage-record update in FHAC/EDI/B2G within 15 Days.
    judgment: false
    feeds: []
    workflow_phase: servicing
    owner_role: compliance_officer
    secondary_owner_role: default_servicing_analyst
    cadence: per-servicing-transfer
    consequence: ''
    tags:
      - round-b
      - regulator-direct
      - hud-handbook-4000-1
      - fha
      - servicing-transfer
      - 15-day-report
      - promoted
    primary_source:
      tier: 1
      authority: HUD Handbook 4000.1 III.A.1.b.i(C) — Required Documentation
      source_class: hud-handbook-4000-1
      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: 'The Transferor Servicing Mortgagee must report the Transfer Date and update the '
      drafter_attestation: Copied verbatim from HUD Handbook 4000.1 snapshot 8c03836f77f317e1 (III.A.1.b.i(C)) at 2026-05-23.
    promoted_at: '2026-05-23T00:37:32+00:00'
    promoted_from: hud-4000-1-iii-a-1-b-roundb-v1.yaml
_promotion_history:
  - promoted_at: '2026-05-23T00:37:32+00:00'
    candidate_path: obligations\_remediation\_round_b_drafts\hud-4000-1-iii-a-1-b-roundb-v1.yaml
    candidates_promoted: 3
    candidates_skipped_existing: 0

Verbatim regulatory text (3)

Verbatim provisions from HUD Handbook 4000.1 III.A.1.b — Responsibility for Servicing Actions — each quote is a verified substring of the regulator-published source snapshot, not retyped. Quoted for reference; this is not legal advice. The operational layer (P&P updates, prompts) lives in the regulation update kits.

HUD Handbook 4000.1 III.A.1.b — Responsibility for Servicing Actions

Mortgage Holders are responsible for all servicing actions, including the acts of its Servicers.

Source: HUD Handbook 4000.1 III.A.1.b — Responsibility for Servicing Actions · source URL · snapshot 8c03836f77f317e1

HUD Handbook 4000.1 III.A.1.b — Responsibility for Servicing Actions

The costs associated with subservicing may not be imposed on the Borrower or passed along

Source: HUD Handbook 4000.1 III.A.1.b — Responsibility for Servicing Actions · source URL · snapshot 8c03836f77f317e1

HUD Handbook 4000.1 III.A.1.b.i(C) — Responsibility during Transfers of Servicing Rights, Required Documentation

The Transferor Servicing Mortgagee must report the Transfer Date and update the

Source: HUD Handbook 4000.1 III.A.1.b.i(C) — Required Documentation · source URL · snapshot 8c03836f77f317e1

Operationalizing HUD Handbook 4000.1 III.A.1.b — Responsibility for Servicing Actions

This is verbatim, source-snapshotted regulator text from the Claude for Compliance open corpus. To turn a rule like this into compliance work product: gap-analyze your policies and procedures (P&Ps) against these requirements to surface stale, conflicting, or missing provisions; operationalize any change with a ready-to-run update kit; and produce audit-ready evidence — every step grounded only in the regulator’s own words, never invented.

Source of record: https://claudeforcompliance.com/regs/hud-4000-1-iii-a-1-b/ · register hud-4000-1-iii-a-1-b · Claude for Compliance. Free to read and download; see regulatory updates and methodology.