USDA HB-1-3555 ch09 bootstrap

usda-hb-3555-ch09

Bootstrap for USDA HB-1-3555 ch09 register.

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source:
  type: regulation
  id: usda-hb-3555-ch09
  authority: USDA HB-1-3555 ch09 bootstrap
  description: Bootstrap for USDA HB-1-3555 ch09 register.
obligations:
  - id: usda-hb-3555-ch09-calculate-document-three-incomes
    canonical_id: usda-hb-3555-ch09-calculate-document-three-incomes
    section: USDA HB-1-3555 Ch. 9.1 — Introduction [7 CFR 3555.152]
    description: |
      [LENDERS] must calculate and document annual, adjusted annual,
      and repayment income. The guidance applies to all loans,
      including manually underwritten loans and loans that utilize
      the Agency's automated underwriting system, GUS.
    type: do
    audit_question: For every USDA SFHGLP-guaranteed loan, can [LENDER] evidence that it calculated and documented annual, adjusted annual, and repayment income (regardless of whether the file was GUS-underwritten or manually underwritten)?
    program_review: Does the program ensure annual, adjusted-annual, and repayment income are each calculated and documented on every loan, GUS or manually underwritten?
    file_review: Pull a sample; confirm all three income figures are calculated and documented in the file.
    judgment: false
    feeds: []
    workflow_phase: underwriting
    owner_role: underwriter
    secondary_owner_role: loan_officer
    cadence: per_loan
    consequence: ''
    tags:
      - round-b
      - regulator-direct
      - usda
      - hb-1-3555
      - ch09
      - income-calc
      - promoted
    primary_source:
      tier: 1
      authority: USDA HB-1-3555 Chapter 9.1 — Introduction
      source_class: usda-handbook-hb-1-3555
      source_url: https://www.rd.usda.gov/sites/default/files/3555-1chapter09.pdf
      snapshot_id: f7ae1465abd3b32b
      fetched_at: '2026-05-23T01:50:00Z'
      content_hash: sha256:a48c6d09b99d5d5abf7de3df3c597dc73544ffdb1b0c182213b85ce9a37fa9aa
      paragraph_quote: must calculate and document annual, adjusted annual, and repayment income. The
      drafter_attestation: Copied verbatim from USDA HB-1-3555 snapshot f7ae1465abd3b32b (Ch 09) at 2026-05-23. Source PDF retrieved via Wayback Machine.
    promoted_at: '2026-05-23T13:45:38+00:00'
    promoted_from: usda-hb-3555-ch09-roundb-v1.yaml
  - id: usda-hb-3555-ch09-certify-under-adjusted-annual-cap
    canonical_id: usda-hb-3555-ch09-certify-under-adjusted-annual-cap
    section: USDA HB-1-3555 Ch. 9.2 — Eligibility Income Overview
    description: |
      [LENDER] must certify that any household that requests a loan
      guarantee does not exceed the adjusted annual income threshold
      for the applicable state and county where the dwelling is
      located.
    type: do
    audit_question: For every USDA SFHGLP-guaranteed loan, can [LENDER] evidence its certification that the household's adjusted annual income does not exceed the moderate-income threshold for the applicable state and county where the dwelling is located?
    program_review: Does the program ensure [LENDER] certifies the household's adjusted annual income does not exceed the moderate-income threshold for the applicable state/county?
    file_review: Pull a sample; confirm the adjusted-annual-income certification against the applicable state/county threshold.
    judgment: false
    feeds: []
    workflow_phase: underwriting
    owner_role: underwriter
    secondary_owner_role: loan_officer
    cadence: per_loan
    consequence: ''
    tags:
      - round-b
      - regulator-direct
      - usda
      - hb-1-3555
      - ch09
      - income-limit
      - eligibility
      - promoted
    primary_source:
      tier: 1
      authority: USDA HB-1-3555 Chapter 9.2 — Eligibility Income Overview
      source_class: usda-handbook-hb-1-3555
      source_url: https://www.rd.usda.gov/sites/default/files/3555-1chapter09.pdf
      snapshot_id: f7ae1465abd3b32b
      fetched_at: '2026-05-23T01:50:00Z'
      content_hash: sha256:a48c6d09b99d5d5abf7de3df3c597dc73544ffdb1b0c182213b85ce9a37fa9aa
      paragraph_quote: lender must certify that any household that requests a loan guarantee does not exceed the
      drafter_attestation: Copied verbatim from USDA HB-1-3555 snapshot f7ae1465abd3b32b (Ch 09) at 2026-05-23. Source PDF retrieved via Wayback Machine.
    promoted_at: '2026-05-23T13:45:38+00:00'
    promoted_from: usda-hb-3555-ch09-roundb-v1.yaml
  - id: usda-hb-3555-ch09-accurate-annual-income-calc
    canonical_id: usda-hb-3555-ch09-accurate-annual-income-calc
    section: USDA HB-1-3555 Ch. 9.3.B — Calculation of Annual Income
    description: |
      [LENDERS] are responsible for accurately calculating annual
      household income. The calculation should be logical based on
      the history of income and documentation provided.
    type: do
    audit_question: For every USDA SFHGLP-guaranteed loan, can [LENDER] evidence accurate calculation of annual household income, with a calculation logical based on the history of income and the documentation provided?
    program_review: Do the P&Ps facilitate accurate annual-household-income calculation — a method logical against the income history and documentation provided?
    file_review: Pull a sample and re-derive the annual income; the officer judges whether the calculation is logical and accurate against the income history and documents.
    judgment: true
    feeds: []
    workflow_phase: underwriting
    owner_role: underwriter
    secondary_owner_role: loan_officer
    cadence: per_loan
    consequence: ''
    tags:
      - round-b
      - regulator-direct
      - usda
      - hb-1-3555
      - ch09
      - annual-income
      - promoted
    primary_source:
      tier: 1
      authority: USDA HB-1-3555 Chapter 9.3.B — Calculation of Annual Income
      source_class: usda-handbook-hb-1-3555
      source_url: https://www.rd.usda.gov/sites/default/files/3555-1chapter09.pdf
      snapshot_id: f7ae1465abd3b32b
      fetched_at: '2026-05-23T01:50:00Z'
      content_hash: sha256:a48c6d09b99d5d5abf7de3df3c597dc73544ffdb1b0c182213b85ce9a37fa9aa
      paragraph_quote: Lenders are responsible for accurately calculating annual household income.
      drafter_attestation: Copied verbatim from USDA HB-1-3555 snapshot f7ae1465abd3b32b (Ch 09) at 2026-05-23. Source PDF retrieved via Wayback Machine.
    promoted_at: '2026-05-23T13:45:38+00:00'
    promoted_from: usda-hb-3555-ch09-roundb-v1.yaml
_promotion_history:
  - promoted_at: '2026-05-23T13:45:38+00:00'
    candidate_path: obligations\_remediation\_round_b_drafts\usda-hb-3555-ch09-roundb-v1.yaml
    candidates_promoted: 3
    candidates_skipped_existing: 0

Verbatim regulatory text (3)

Verbatim provisions from USDA HB-1-3555 ch09 bootstrap — 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.

USDA HB-1-3555 Ch. 9.1 — Introduction [7 CFR 3555.152]

must calculate and document annual, adjusted annual, and repayment income. The

Source: USDA HB-1-3555 Chapter 9.1 — Introduction · source URL · snapshot f7ae1465abd3b32b

USDA HB-1-3555 Ch. 9.2 — Eligibility Income Overview

lender must certify that any household that requests a loan guarantee does not exceed the

Source: USDA HB-1-3555 Chapter 9.2 — Eligibility Income Overview · source URL · snapshot f7ae1465abd3b32b

USDA HB-1-3555 Ch. 9.3.B — Calculation of Annual Income

Lenders are responsible for accurately calculating annual household income.

Source: USDA HB-1-3555 Chapter 9.3.B — Calculation of Annual Income · source URL · snapshot f7ae1465abd3b32b

Operationalizing USDA HB-1-3555 ch09 bootstrap

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/usda-hb-3555-ch09/ · register usda-hb-3555-ch09 · Claude for Compliance. Free to read and download; see regulatory updates and methodology.