HUD Mortgagee Letter 2023-04 — Electronic Filing of all insurance claims on FHA Title II Single Family Mortgages

hud-ml-2023-04

HUD ML 2023-04 eliminates all paper claim submission options for FHA Title II Single Family forward mortgages, requiring Mortgagees to file claims electronically through EDI, FHA Connection (FHAC), or FHA Catalyst.

Get this register: .xlsx .csv More bundles →

source:
  type: regulation
  id: hud-ml-2023-04
  authority: HUD Mortgagee Letter 2023-04 — Electronic Filing of all insurance claims on FHA Title II Single Family Mortgages
  description: |
    HUD ML 2023-04 eliminates all paper claim submission options for FHA
    Title II Single Family forward mortgages, requiring Mortgagees to file
    claims electronically through EDI, FHA Connection (FHAC), or FHA Catalyst.
obligations:
  - id: hud-ml-2023-04-implementation-deadline
    canonical_id: hud-ml-2023-04-implementation-deadline
    section: HUD ML 2023-04 — Effective Date
    description: |
      [LENDER] must implement the provisions of HUD ML 2023-04 (electronic-only
      claim filing) no later than March 1, 2023.
    type: do
    audit_question: Can [LENDER] demonstrate that all FHA Title II Single Family forward insurance claim filings on or after March 1, 2023 were submitted via EDI, FHA Connection (FHAC), or FHA Catalyst, and that no paper claims were submitted?
    program_review: Does the program account for the implementation deadline — submitting all Title II forward insurance claims on or after March 1, 2023 via EDI/FHAC/FHA Catalyst with no paper claims?
    file_review: Spot-check claims filed on/after March 1, 2023; confirm electronic submission (EDI/FHAC/Catalyst) and no paper filings.
    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
      - claims
      - electronic-filing
      - effective-date
      - promoted
    primary_source:
      tier: 1
      authority: HUD ML 2023-04 — Effective Date
      source_class: hud-ml-pdf
      source_url: https://www.hud.gov/sites/dfiles/OCHCO/documents/2023-04hsgml.pdf
      snapshot_id: 74b4be0bba2be1fa
      fetched_at: '2026-05-22T19:56:25Z'
      content_hash: sha256:fdcae93ce4d4f69c63f3546090cf3cfa72c6b3c53669f06fa04e7b0c0ffee71d
      paragraph_quote: |-
        Mortgagees must implement the provisions of this ML no later than 
        March 1, 2023.
      drafter_attestation: |
        Copied verbatim from snapshot 74b4be0bba2be1fa (content.txt) at
        2026-05-22T20:00Z. Substring is the Effective Date trigger of
        ML 2023-04.
    promoted_at: '2026-05-22T20:56:12+00:00'
    promoted_from: hud-ml-2023-04-roundb-v1.yaml
  - id: hud-ml-2023-04-electronic-part-a-conveyance
    canonical_id: hud-ml-2023-04-electronic-part-a-conveyance
    section: HUD ML 2023-04 — Electronic Submission of Conveyance Claim Part A (IV.A.2.a.iv(A)(1))
    description: |
      For Conveyance Claims (Claim Type 01), [LENDER] must submit Part A to HUD
      headquarters via EDI, FHAC, or FHA Catalyst no later than two business days
      after the date the deed to HUD is filed for record or mailed to the
      recording authority. Paper submission of Part A is no longer permitted.
    type: do
    audit_question: For every FHA conveyance claim, can [LENDER] evidence that Part A was submitted to HUD headquarters via EDI, FHAC, or FHA Catalyst (not paper) no later than two business days after the deed to HUD was filed for record or mailed to the recording authority?
    program_review: Do the P&Ps ensure conveyance-claim Part A is submitted electronically (EDI/FHAC/Catalyst) no later than two business days after the deed to HUD is filed for record or mailed to the recording authority?
    file_review: Pull conveyance claims; confirm electronic Part A submission within two business days of the deed being filed/mailed.
    judgment: false
    feeds: []
    workflow_phase: servicing
    owner_role: default_servicing_analyst
    secondary_owner_role: compliance_officer
    cadence: per-claim
    consequence: ''
    tags:
      - round-b
      - regulator-direct
      - hud-ml
      - fha
      - servicing
      - claims
      - conveyance
      - electronic-filing
      - promoted
    primary_source:
      tier: 1
      authority: HUD ML 2023-04 — IV.A.2.a.iv(A)(1)
      source_class: hud-ml-pdf
      source_url: https://www.hud.gov/sites/dfiles/OCHCO/documents/2023-04hsgml.pdf
      snapshot_id: 74b4be0bba2be1fa
      fetched_at: '2026-05-22T19:56:25Z'
      content_hash: sha256:fdcae93ce4d4f69c63f3546090cf3cfa72c6b3c53669f06fa04e7b0c0ffee71d
      paragraph_quote: |-
        The Mortgagee must submit Part A to HUD headquarters via EDI, 
        FHAC, or FHA Catalyst.
      drafter_attestation: |
        Copied verbatim from snapshot 74b4be0bba2be1fa (content.txt) at
        2026-05-22T20:00Z. Substring is the electronic Part A submission
        requirement incorporated into Handbook 4000.1 IV.A.2.a.iv(A)(1)
        by ML 2023-04.
    promoted_at: '2026-05-22T20:56:12+00:00'
    promoted_from: hud-ml-2023-04-roundb-v1.yaml
  - id: hud-ml-2023-04-claim-file-24-hours
    canonical_id: hud-ml-2023-04-claim-file-24-hours
    section: HUD ML 2023-04 — HUD Requests for Information (IV.A.1.c.iv)
    description: |
      [LENDER] must make available to HUD electronic copies of identified claim
      files within 24 hours of a request, or as otherwise requested by HUD. HUD
      may charge a fee for the review of a Claim Review File that is not
      provided to HUD when requested.
    type: do
    audit_question: For every HUD request for FHA claim file information, can [LENDER] evidence that electronic copies of the identified Claim Review File were provided within 24 hours of the request (or other HUD-specified timeframe)?
    program_review: Do the P&Ps ensure electronic copies of identified claim files are made available to HUD within 24 hours of a request (or as HUD otherwise specifies)?
    file_review: Pull HUD claim-file requests; confirm electronic delivery of the identified Claim Review File within 24 hours.
    judgment: false
    feeds: []
    workflow_phase: servicing
    owner_role: default_servicing_analyst
    secondary_owner_role: compliance_officer
    cadence: per-hud-request
    consequence: ''
    tags:
      - round-b
      - regulator-direct
      - hud-ml
      - fha
      - servicing
      - claims
      - recordkeeping
      - promoted
    primary_source:
      tier: 1
      authority: HUD ML 2023-04 — IV.A.1.c.iv
      source_class: hud-ml-pdf
      source_url: https://www.hud.gov/sites/dfiles/OCHCO/documents/2023-04hsgml.pdf
      snapshot_id: 74b4be0bba2be1fa
      fetched_at: '2026-05-22T19:56:25Z'
      content_hash: sha256:fdcae93ce4d4f69c63f3546090cf3cfa72c6b3c53669f06fa04e7b0c0ffee71d
      paragraph_quote: |-
        The Mortgagee must make available to HUD electronic copies of identified 
        claim files within 24 hours of a request, or as otherwise requested by HUD.
      drafter_attestation: |
        Copied verbatim from snapshot 74b4be0bba2be1fa (content.txt) at
        2026-05-22T20:00Z. Substring is the 24-hour electronic file
        production requirement incorporated into Handbook 4000.1
        IV.A.1.c.iv by ML 2023-04.
    promoted_at: '2026-05-22T20:56:12+00:00'
    promoted_from: hud-ml-2023-04-roundb-v1.yaml
_promotion_history:
  - promoted_at: '2026-05-22T20:56:12+00:00'
    candidate_path: obligations\_remediation\_round_b_drafts\hud-ml-2023-04-roundb-v1.yaml
    candidates_promoted: 3
    candidates_skipped_existing: 0

Verbatim regulatory text (3)

Verbatim provisions from HUD Mortgagee Letter 2023-04 — Electronic Filing of all insurance claims on FHA Title II Single Family Mortgages — 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 2023-04 — Effective Date

Mortgagees must implement the provisions of this ML no later than March 1, 2023.

Source: HUD ML 2023-04 — Effective Date · source URL · snapshot 74b4be0bba2be1fa

HUD ML 2023-04 — Electronic Submission of Conveyance Claim Part A (IV.A.2.a.iv(A)(1))

The Mortgagee must submit Part A to HUD headquarters via EDI, FHAC, or FHA Catalyst.

Source: HUD ML 2023-04 — IV.A.2.a.iv(A)(1) · source URL · snapshot 74b4be0bba2be1fa

HUD ML 2023-04 — HUD Requests for Information (IV.A.1.c.iv)

The Mortgagee must make available to HUD electronic copies of identified claim files within 24 hours of a request, or as otherwise requested by HUD.

Source: HUD ML 2023-04 — IV.A.1.c.iv · source URL · snapshot 74b4be0bba2be1fa

Operationalizing HUD Mortgagee Letter 2023-04 — Electronic Filing of all insurance claims on FHA Title II Single Family Mortgages

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-2023-04/ · register hud-ml-2023-04 · Claude for Compliance. Free to read and download; see regulatory updates and methodology.