Data / Federal rules / 2024-16728

Modernization of Engagement With Mortgagors in Default

The Housing and Urban Development Department published this final rule in the Federal Register on August 2, 2024. It took effect on January 1, 2025.

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What the agency says

HUD's regulations require mortgagees of Federal Housing Administration insured single family mortgages to meet in person, or make a reasonable effort to meet in person, with mortgagors who are in default on their mortgage payments. This rule modernizes those requirements by amending HUD's regulations to better align with advances in electronic communication technology and mortgagor engagement preferences, while preserving consumer protections. Specifically, this rule revises HUD's in-person, face-to-face meeting requirements by permitting mortgagees to utilize methods of communication most likely to receive a response from the mortgagor, including remote communication methods, to meet with mortgagors who are in default on their mortgage payments. This rule also expands the meeting requirement to all mortgagors in default, including mortgagors who do not reside in the mortgaged property and those with a mortgaged property not within 200 miles of their mortgagee. This final rule adopts HUD's July 31, 2023, proposed rule with only minor, non- substantive revisions.

Key facts

Document number: 2024-16728
Type: Final rule
Action: Final rule
Agency: Housing and Urban Development Department
Published: August 2, 2024
Takes effect: January 1, 2025
Dates: Effective January 1, 2025.
Docket: Docket No. FR-6353-F-02
Regulation ID (RIN): 2502-AJ66
Code of Federal Regulations: 24 CFR 203
Topics: Hawaiian Natives; Home improvement; Indians-lands; Loan programs-housing and community development; Mortgage insurance; Reporting and recordkeeping requirements; Solar energy
Pages: 18

The document on federalregister.gov PDF

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HUD's Implementation of the Fair Housing Act's Disparate Impact Standard; Amendments to HUD's Title VI Regulations 2026-16228 · significant	Proposed rule	Aug 10
Rescission of Floodplain Management and Protection of Wetlands; Minimum Property Standards for Flood Hazard Exposure; Building to the Federal Flood Risk Management Standard 2026-13939 · significant	Proposed rule	Jul 10
Revising the Definition of “Manufactured Home” to Lower Housing Costs 2026-11851	Proposed rule	Jun 12
Revising HUD's Noise Abatement and Control Regulations 2026-11849	Final rule	Jun 12
Regulation for Federal Financial Assistance 2026-10817	Proposed rule	May 29

Everything from the Housing and Urban Development Department · Rules on hawaiian natives · Rules on home improvement · Rules on indians-lands · Published in August 2024

Read from the Federal Register API, last updated 2026-10-23. The document on federalregister.gov is the official record; dates and dockets can change through later corrections. Free to reuse with credit to SpecStream under CC BY 4.0.