FHA Single Family Housing Policy Handbook 4000.1, Part III — d. Communication with Borrowers and Authorized Third Parties (04/29/2024)

hud-4000-1-iii-d-communication-with-borrowers-and-authorized-third-parties-2

FHA Single Family Housing Policy Handbook 4000.1, Part III — d. Communication with Borrowers and Authorized Third Parties (04/29/2024).

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      paragraph_quote: 'd. Communication with Borrowers and Authorized Third Parties (04/29/2024) i. Definition Authorized Third Parties refer to parties who are not Borrowers on the Mortgage but who are authorized to communicate with the Mortgagee regarding a Mortgage. ii. Standard The Mortgagee must provide mortgage information and arrange for individual consultation, upon request by the Borrowers. The Mortgagee must comply with all laws, rules, and requirements applicable to third- party access to mortgage information. iii. Required Documentation If communicating with an Authorized Third Party, the Mortgagee must include documentation of the authorization in the servicing binder: • a copy of a signed authorization from the Borrower; • a copy of a Power of Attorney (POA), order of guardianship, or other legal documentation authorizing that third party to act on behalf of the Borrower; or • other legal documentation showing authorization to access the Borrower’s records. III. SERVICING AND LOSS MITIGATION B. Title II Insured Housing Programs Reverse Mortgages 1. Servicing of FHA-Insured HECMs Handbook 4000.1 1446 Last Revised: 11/26/2025'

Verbatim regulatory text (1)

Verbatim provisions from FHA Single Family Housing Policy Handbook 4000.1, Part III — d. Communication with Borrowers and Authorized Third Parties (04/29/2024) — 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.

FHA Single Family Housing Policy Handbook 4000.1, Part III — d. Communication with Borrowers and Authorized Third Parties (04/29/2024)

d. Communication with Borrowers and Authorized Third Parties (04/29/2024) i. Definition Authorized Third Parties refer to parties who are not Borrowers on the Mortgage but who are authorized to communicate with the Mortgagee regarding a Mortgage. ii. Standard The Mortgagee must provide mortgage information and arrange for individual consultation, upon request by the Borrowers. The Mortgagee must comply with all laws, rules, and requirements applicable to third- party access to mortgage information. iii. Required Documentation If communicating with an Authorized Third Party, the Mortgagee must include documentation of the authorization in the servicing binder: • a copy of a signed authorization from the Borrower; • a copy of a Power of Attorney (POA), order of guardianship, or other legal documentation authorizing that third party to act on behalf of the Borrower; or • other legal documentation showing authorization to access the Borrower’s records. III. SERVICING AND LOSS MITIGATION B. Title II Insured Housing Programs Reverse Mortgages 1. Servicing of FHA-Insured HECMs Handbook 4000.1 1446 Last Revised: 11/26/2025

Source: FHA Single Family Housing Policy Handbook 4000.1, Part III — d. Communication with Borrowers and Authorized Third Parties (04/29/2024) · source URL · snapshot 8c03836f77f317e1

Operationalizing FHA Single Family Housing Policy Handbook 4000.1, Part III — d. Communication with Borrowers and Authorized Third Parties (04/29/2024)

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-d-communication-with-borrowers-and-authorized-third-parties-2/ · register hud-4000-1-iii-d-communication-with-borrowers-and-authorized-third-parties-2 · Claude for Compliance. Free to read and download; see regulatory updates and methodology.