HUD Handbook 4000.1 III.A.1.d — Communication with Borrowers and Authorized Third Parties

hud-4000-1-iii-a-1-d

HUD Single-Family Housing Policy Handbook 4000.1, Section III.A.1.d. 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-d
  authority: HUD Handbook 4000.1 III.A.1.d — Communication with Borrowers and Authorized Third Parties
  description: |
    HUD Single-Family Housing Policy Handbook 4000.1, Section III.A.1.d.
    See obligation entries for operative requirements and verbatim
    primary-source citations.
obligations:
  - id: hud-4000-1-iii-a-1-d-provide-information-on-request
    canonical_id: hud-4000-1-iii-a-1-d-provide-information-on-request
    section: HUD Handbook 4000.1 III.A.1.d.ii — Communication with Borrowers and Authorized Third Parties Standard
    description: |
      [LENDER] must provide mortgage information and arrange for individual
      consultation with the Borrower and/or the Authorized Third Party,
      upon request by the Borrowers.
    type: do
    audit_question: For every Borrower request for mortgage information or consultation (directly or through an Authorized Third Party), can [LENDER] evidence that the information was provided and individual consultation was arranged?
    program_review: Do the P&Ps ensure mortgage information is provided and individual consultation arranged upon Borrower (or Authorized Third Party) request?
    file_review: Review the request log; confirm information was provided and consultation arranged for Borrower/Authorized-Third-Party requests.
    judgment: false
    feeds: []
    workflow_phase: servicing
    owner_role: compliance_officer
    secondary_owner_role: default_servicing_analyst
    cadence: per-request
    consequence: ''
    tags:
      - round-b
      - regulator-direct
      - hud-handbook-4000-1
      - fha
      - servicing
      - borrower-communication
      - promoted
    primary_source:
      tier: 1
      authority: HUD Handbook 4000.1 III.A.1.d.ii — Standard
      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 Mortgagee must provide mortgage information and arrange for individual '
      drafter_attestation: Copied verbatim from HUD Handbook 4000.1 snapshot 8c03836f77f317e1 (III.A.1.d.ii) at 2026-05-23.
    promoted_at: '2026-05-23T00:39:05+00:00'
    promoted_from: hud-4000-1-iii-a-1-d-roundb-v1.yaml
  - id: hud-4000-1-iii-a-1-d-third-party-access-law-compliance
    canonical_id: hud-4000-1-iii-a-1-d-third-party-access-law-compliance
    section: HUD Handbook 4000.1 III.A.1.d.ii — Compliance with Third-Party Access Laws
    description: |
      [LENDER] must comply with all laws, rules, and requirements applicable
      to third-party access to mortgage information.
    type: do
    audit_question: Can [LENDER] evidence (in its policies and operational records) compliance with all laws, rules, and requirements applicable to third-party access to FHA mortgage information?
    program_review: Do the P&Ps ensure compliance with all laws/rules applicable to third-party access to mortgage information?
    file_review: Review policies and operational records; confirm third-party-access-law compliance controls are in place and followed.
    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
      - third-party-access
      - promoted
    primary_source:
      tier: 1
      authority: HUD Handbook 4000.1 III.A.1.d.ii — Standard
      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 Mortgagee must comply with all laws, rules, and requirements applicable to third-
      drafter_attestation: Copied verbatim from HUD Handbook 4000.1 snapshot 8c03836f77f317e1 (III.A.1.d.ii) at 2026-05-23.
    promoted_at: '2026-05-23T00:39:05+00:00'
    promoted_from: hud-4000-1-iii-a-1-d-roundb-v1.yaml
  - id: hud-4000-1-iii-a-1-d-third-party-authorization-documentation
    canonical_id: hud-4000-1-iii-a-1-d-third-party-authorization-documentation
    section: HUD Handbook 4000.1 III.A.1.d.iii — Required Documentation
    description: |
      If communicating with an Authorized Third Party, [LENDER] must include
      documentation of the authorization in the servicing binder (e.g.,
      a signed Borrower authorization, a Power of Attorney, guardianship
      order, or other documentation showing legal authorization to access
      the Borrower's records).
    type: do
    audit_question: For every communication with an Authorized Third Party regarding an FHA Mortgage, can [LENDER] evidence inclusion of the documentation of authorization (signed Borrower authorization, POA, guardianship order, or other legal authorization) in the servicing binder?
    program_review: Do the P&Ps ensure that whenever [LENDER] communicates with an Authorized Third Party, the authorization documentation (signed Borrower authorization, POA, guardianship order, or other legal authorization) is in the servicing binder?
    file_review: Pull files with Authorized-Third-Party communication; confirm the authorization documentation is in the servicing binder.
    judgment: false
    feeds: []
    workflow_phase: servicing
    owner_role: compliance_officer
    secondary_owner_role: default_servicing_analyst
    cadence: per-third-party-communication
    consequence: ''
    tags:
      - round-b
      - regulator-direct
      - hud-handbook-4000-1
      - fha
      - servicing
      - authorized-third-party
      - documentation
      - promoted
    primary_source:
      tier: 1
      authority: HUD Handbook 4000.1 III.A.1.d.iii — 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: 'If communicating with an Authorized Third Party, the Mortgagee must include '
      drafter_attestation: Copied verbatim from HUD Handbook 4000.1 snapshot 8c03836f77f317e1 (III.A.1.d.iii) at 2026-05-23.
    promoted_at: '2026-05-23T00:39:05+00:00'
    promoted_from: hud-4000-1-iii-a-1-d-roundb-v1.yaml
_promotion_history:
  - promoted_at: '2026-05-23T00:39:05+00:00'
    candidate_path: obligations\_remediation\_round_b_drafts\hud-4000-1-iii-a-1-d-roundb-v1.yaml
    candidates_promoted: 3
    candidates_skipped_existing: 0

Verbatim regulatory text (3)

Verbatim provisions from HUD Handbook 4000.1 III.A.1.d — Communication with Borrowers and Authorized Third Parties — 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.d.ii — Communication with Borrowers and Authorized Third Parties Standard

The Mortgagee must provide mortgage information and arrange for individual

Source: HUD Handbook 4000.1 III.A.1.d.ii — Standard · source URL · snapshot 8c03836f77f317e1

HUD Handbook 4000.1 III.A.1.d.ii — Compliance with Third-Party Access Laws

The Mortgagee must comply with all laws, rules, and requirements applicable to third-

Source: HUD Handbook 4000.1 III.A.1.d.ii — Standard · source URL · snapshot 8c03836f77f317e1

HUD Handbook 4000.1 III.A.1.d.iii — Required Documentation

If communicating with an Authorized Third Party, the Mortgagee must include

Source: HUD Handbook 4000.1 III.A.1.d.iii — Required Documentation · source URL · snapshot 8c03836f77f317e1

Operationalizing HUD Handbook 4000.1 III.A.1.d — Communication with Borrowers and Authorized Third Parties

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-d/ · register hud-4000-1-iii-a-1-d · Claude for Compliance. Free to read and download; see regulatory updates and methodology.