HUD Mortgagee Letter 2022-08 — Expanding Affordable Housing Supply Through FHA's Claims Without Conveyance of Title (CWCOT) Process

hud-ml-2022-08

HUD ML 2022-08 updates Handbook 4000.1 section III.A.2.t.ii(H) (CWCOT Post-Foreclosure Sales Efforts) and IV.A.2.d.iv (CWCOT Claim Form Parts) to establish an exclusive 30-day Post-Foreclosure Sales period for Owner-Occupant Buyers, HUD-approved Nonprofits, and Governmental Entities, and to extend conveyance time frames.

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source:
  type: regulation
  id: hud-ml-2022-08
  authority: HUD Mortgagee Letter 2022-08 — Expanding Affordable Housing Supply Through FHA's Claims Without Conveyance of Title (CWCOT) Process
  description: |
    HUD ML 2022-08 updates Handbook 4000.1 section III.A.2.t.ii(H) (CWCOT
    Post-Foreclosure Sales Efforts) and IV.A.2.d.iv (CWCOT Claim Form Parts) to
    establish an exclusive 30-day Post-Foreclosure Sales period for
    Owner-Occupant Buyers, HUD-approved Nonprofits, and Governmental Entities,
    and to extend conveyance time frames.
obligations:
  - id: hud-ml-2022-08-exclusive-30-day-listing-period
    canonical_id: hud-ml-2022-08-exclusive-30-day-listing-period
    section: HUD ML 2022-08 — Exclusive Post-Foreclosure Sales Period (III.A.2.t.ii(H)(1)(a))
    description: |
      Where [LENDER] uses CWCOT post-foreclosure sales efforts, [LENDER] must
      list the Properties for sale for an initial 30-Day period exclusively for
      Owner-Occupant Buyers, HUD-approved Nonprofits, and Governmental Entities,
      before opening the property to all third parties for an additional 60-Day
      extended Post-Foreclosure Sales period.
    type: do
    audit_question: For every CWCOT property listed for Post-Foreclosure Sale on or after the ML 2022-08 effective date, can [LENDER] demonstrate that the property was listed for an initial 30-Day exclusive period for Owner-Occupant Buyers, HUD-approved Nonprofits, and Governmental Entities before being offered to all third parties?
    program_review: Do the P&Ps ensure CWCOT post-foreclosure properties are listed for an initial 30-Day period exclusively for Owner-Occupant Buyers, HUD-approved Nonprofits, and Governmental Entities before the 60-Day all-third-party extended period?
    file_review: Pull CWCOT post-foreclosure listings; confirm the initial 30-Day exclusive period preceded opening to all third parties.
    judgment: false
    feeds: []
    workflow_phase: servicing
    owner_role: default_servicing_analyst
    secondary_owner_role: compliance_officer
    cadence: per-cwcot-sale
    consequence: ''
    tags:
      - round-b
      - regulator-direct
      - hud-ml
      - fha
      - servicing
      - foreclosure
      - cwcot
      - promoted
    primary_source:
      tier: 1
      authority: HUD ML 2022-08 — III.A.2.t.ii(H)(1)(a)
      source_class: hud-ml-pdf
      source_url: https://www.hud.gov/sites/dfiles/OCHCO/documents/2022-08hsgml.pdf
      snapshot_id: 5cdb05e6a9a61276
      fetched_at: '2026-05-22T19:55:19Z'
      content_hash: sha256:c9cc2a3c6840b6e8894ff05493eafa63e4471c7395529654e438e8e9025adc1e
      paragraph_quote: |-
        Mortgagees that utilize the post-foreclosure sales efforts must list 
        the Properties for sale for an initial 30-Day period exclusively for 
        Owner-Occupant Buyers, HUD-approved Nonprofits, and 
        Governmental Entities.
      drafter_attestation: |
        Copied verbatim from snapshot 5cdb05e6a9a61276 (content.txt) at
        2026-05-22T20:00Z. Substring is the exclusive 30-Day listing
        requirement incorporated into Handbook 4000.1 III.A.2.t.ii(H)(1)(a)
        by ML 2022-08.
    promoted_at: '2026-05-22T20:55:58+00:00'
    promoted_from: hud-ml-2022-08-roundb-v1.yaml
  - id: hud-ml-2022-08-cwcot-claims-parts-a-b-30-days
    canonical_id: hud-ml-2022-08-cwcot-claims-parts-a-b-30-days
    section: HUD ML 2022-08 — CWCOT Claim Form Parts Submission (IV.A.2.d.iv)
    description: |
      [LENDER] must submit CWCOT claim form Parts A and B simultaneously no later
      than 30 Days after the earlier of (i) the date the Mortgagee acquired good
      and marketable title, (ii) the date a third party acquired good and
      marketable title, (iii) the date the Borrower or other party redeemed the
      Property, (iv) the date the redemption period expires, or (v) such other
      date as required by the FHA Commissioner.
    type: do
    audit_question: For every CWCOT claim filed, can [LENDER] evidence that Parts A and B were submitted simultaneously to HUD within 30 Days after the applicable triggering date (acquisition of title, third-party title, redemption, redemption period expiry, or Commissioner-required date)?
    program_review: Do the P&Ps ensure CWCOT claim Parts A and B are submitted simultaneously no later than 30 Days after the earliest trigger (Mortgagee/third-party good-and-marketable title, redemption, redemption-period expiry, or Commissioner-required date)?
    file_review: Pull CWCOT claims; confirm simultaneous Parts A and B submission within 30 Days of the applicable trigger date.
    judgment: false
    feeds: []
    workflow_phase: servicing
    owner_role: default_servicing_analyst
    secondary_owner_role: compliance_officer
    cadence: per-cwcot-claim
    consequence: ''
    tags:
      - round-b
      - regulator-direct
      - hud-ml
      - fha
      - servicing
      - claims
      - cwcot
      - promoted
    primary_source:
      tier: 1
      authority: HUD ML 2022-08 — IV.A.2.d.iv
      source_class: hud-ml-pdf
      source_url: https://www.hud.gov/sites/dfiles/OCHCO/documents/2022-08hsgml.pdf
      snapshot_id: 5cdb05e6a9a61276
      fetched_at: '2026-05-22T19:55:19Z'
      content_hash: sha256:c9cc2a3c6840b6e8894ff05493eafa63e4471c7395529654e438e8e9025adc1e
      paragraph_quote: |-
        The Mortgagee must submit Parts A and B simultaneously no later than 30 
        Days after:
      drafter_attestation: |
        Copied verbatim from snapshot 5cdb05e6a9a61276 (content.txt) at
        2026-05-22T20:00Z. Substring is the CWCOT Parts A and B
        submission deadline headline incorporated into Handbook 4000.1
        IV.A.2.d.iv by ML 2022-08; the (i)–(v) trigger events are
        summarized in the description.
    promoted_at: '2026-05-22T20:55:58+00:00'
    promoted_from: hud-ml-2022-08-roundb-v1.yaml
  - id: hud-ml-2022-08-effective-date-90-days
    canonical_id: hud-ml-2022-08-effective-date-90-days
    section: HUD ML 2022-08 — Effective Date
    description: |
      [LENDER] may implement the provisions of HUD ML 2022-08 immediately but
      must implement them for all CWCOT Post-Foreclosure Sales associated with
      defaulted FHA-insured Mortgages scheduled to occur on or after 90 Days
      from the date of the ML (i.e., on or about August 3, 2022).
    type: do
    audit_question: For every CWCOT Post-Foreclosure Sale associated with a defaulted FHA-insured Mortgage scheduled to occur on or after 90 Days from the ML 2022-08 publication date, can [LENDER] demonstrate the ML 2022-08 exclusive-period and time-frame provisions were implemented?
    program_review: Does the program account for the applicability trigger — applying the ML 2022-08 exclusive-period and time-frame provisions to all CWCOT Post-Foreclosure Sales scheduled on or after ~August 3, 2022?
    file_review: Spot-check CWCOT sales scheduled on/after the ML effective date; confirm the exclusive-period and time-frame provisions were applied.
    judgment: false
    feeds: []
    workflow_phase: servicing
    owner_role: default_servicing_analyst
    secondary_owner_role: compliance_officer
    cadence: continuous
    consequence: ''
    tags:
      - round-b
      - regulator-direct
      - hud-ml
      - fha
      - servicing
      - foreclosure
      - cwcot
      - effective-date
      - promoted
    primary_source:
      tier: 1
      authority: HUD ML 2022-08 — Effective Date
      source_class: hud-ml-pdf
      source_url: https://www.hud.gov/sites/dfiles/OCHCO/documents/2022-08hsgml.pdf
      snapshot_id: 5cdb05e6a9a61276
      fetched_at: '2026-05-22T19:55:19Z'
      content_hash: sha256:c9cc2a3c6840b6e8894ff05493eafa63e4471c7395529654e438e8e9025adc1e
      paragraph_quote: |-
        The provisions of this ML may be implemented immediately but must be 
        implemented for all Post-Foreclosure Sales associated with defaulted FHA-
        insured Mortgages scheduled to occur on or after 90 Days from the date of 
        this ML.
      drafter_attestation: |
        Copied verbatim from snapshot 5cdb05e6a9a61276 (content.txt) at
        2026-05-22T20:00Z. Substring is the Effective Date trigger of
        ML 2022-08.
    promoted_at: '2026-05-22T20:55:58+00:00'
    promoted_from: hud-ml-2022-08-roundb-v1.yaml
_promotion_history:
  - promoted_at: '2026-05-22T20:55:58+00:00'
    candidate_path: obligations\_remediation\_round_b_drafts\hud-ml-2022-08-roundb-v1.yaml
    candidates_promoted: 3
    candidates_skipped_existing: 0

Verbatim regulatory text (3)

Verbatim provisions from HUD Mortgagee Letter 2022-08 — Expanding Affordable Housing Supply Through FHA's Claims Without Conveyance of Title (CWCOT) Process — 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 ML 2022-08 — Exclusive Post-Foreclosure Sales Period (III.A.2.t.ii(H)(1)(a))

Mortgagees that utilize the post-foreclosure sales efforts must list the Properties for sale for an initial 30-Day period exclusively for Owner-Occupant Buyers, HUD-approved Nonprofits, and Governmental Entities.

Source: HUD ML 2022-08 — III.A.2.t.ii(H)(1)(a) · source URL · snapshot 5cdb05e6a9a61276

HUD ML 2022-08 — CWCOT Claim Form Parts Submission (IV.A.2.d.iv)

The Mortgagee must submit Parts A and B simultaneously no later than 30 Days after:

Source: HUD ML 2022-08 — IV.A.2.d.iv · source URL · snapshot 5cdb05e6a9a61276

HUD ML 2022-08 — Effective Date

The provisions of this ML may be implemented immediately but must be implemented for all Post-Foreclosure Sales associated with defaulted FHA- insured Mortgages scheduled to occur on or after 90 Days from the date of this ML.

Source: HUD ML 2022-08 — Effective Date · source URL · snapshot 5cdb05e6a9a61276

Operationalizing HUD Mortgagee Letter 2022-08 — Expanding Affordable Housing Supply Through FHA's Claims Without Conveyance of Title (CWCOT) Process

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-ml-2022-08/ · register hud-ml-2022-08 · Claude for Compliance. Free to read and download; see regulatory updates and methodology.