{"abstract":"On July 15, 2010, HUD issued a document seeking comment on three initiatives that HUD proposed would contribute to the restoration of the Mutual Mortgage Insurance Fund capital reserve account. This document implements one of these proposals. Specifically, through this document, FHA is providing more definitive underwriting standards for mortgage loan transactions that are manually underwritten.","action":"Final notice of new manual underwriting requirements.","agencies":[{"raw_name":"DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT","name":"Housing and Urban Development Department","id":228,"url":"https://www.federalregister.gov/agencies/housing-and-urban-development-department","json_url":"https://www.federalregister.gov/api/v1/agencies/228","parent_id":null,"slug":"housing-and-urban-development-department"}],"body_html_url":"https://www.federalregister.gov/documents/full_text/html/2013/12/11/2013-29170.html","cfr_references":[{"chapter":0,"citation_url":null,"part":null,"title":24}],"citation":"78 FR 75238","comment_url":null,"comments_close_on":"2014-02-10","correction_of":null,"corrections":[],"dates":"Effective date: This document will be effective for FHA case numbers assigned on or after a date to be established by Mortgagee Letter following publication of this document. The effective date shall be no earlier March 11, 2014. HUD will publish a document in the Federal Register announcing the effective date. Comment due date: February 10, 2014.","disposition_notes":null,"docket_ids":["Docket No. FR-5595-N-01"],"dockets":[{"supporting_documents":[],"agency_name":null,"documents":[{"comment_count":1,"comment_start_date":"2013-12-11","updated_at":"2025-05-21T01:36:49.987-04:00","comment_url":"https://www.regulations.gov/commenton/HUD-2013-0110-0001","allow_late_comments":false,"id":"HUD-2013-0110-0001","comment_end_date":"2014-02-11","regulations_dot_gov_open_for_comment":false}],"supporting_documents_count":0,"id":"HUD-2013-0110","title":"FR–5595–N–01 Federal Housing Administration (FHA) Risk Management Initiatives: New Manual Underwriting Requirements"}],"document_number":"2013-29170","effective_on":"2014-03-11","end_page":75245,"executive_order_notes":null,"executive_order_number":null,"explanation":null,"full_text_xml_url":"https://www.federalregister.gov/documents/full_text/xml/2013/12/11/2013-29170.xml","html_url":"https://www.federalregister.gov/documents/2013/12/11/2013-29170/federal-housing-administration-fha-risk-management-initiatives-new-manual-underwriting-requirements","images":{},"images_metadata":{},"json_url":"https://www.federalregister.gov/api/v1/documents/2013-29170?publication_date=2013-12-11","mods_url":"https://www.govinfo.gov/metadata/granule/FR-2013-12-11/2013-29170/mods.xml","not_received_for_publication":null,"page_length":8,"page_views":{"count":2506,"last_updated":"2026-04-04 18:15:03 -0400"},"pdf_url":"https://www.govinfo.gov/content/pkg/FR-2013-12-11/pdf/2013-29170.pdf","presidential_document_number":null,"proclamation_number":null,"public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2013-29170.pdf?1386683979","publication_date":"2013-12-11","raw_text_url":"https://www.federalregister.gov/documents/full_text/text/2013/12/11/2013-29170.txt","regulation_id_number_info":{"2502-AJ07":{"issue":"201310","html_url":"https://www.federalregister.gov/regulations/2502-AJ07/federal-housing-administration-risk-management-initiatives-new-manual-underwriting-requirements-fr-5","title":"Federal Housing Administration Risk Management Initiatives: New Manual Underwriting Requirements (FR-5595)\n","xml_url":"http://www.reginfo.gov/public/do/eAgendaViewRule?pubId=201310&RIN=2502-AJ07&operation=OPERATION_EXPORT_XML","priority_category":"Other Significant"}},"regulation_id_numbers":["2502-AJ07"],"regulations_dot_gov_info":{"supporting_documents":[],"comments_count":1,"agency_id":"HUD","comments_url":"https://www.regulations.gov/docketBrowser?rpp=50&so=DESC&sb=postedDate&po=0&dct=PS&D=HUD-2013-0110","supporting_documents_count":0,"docket_id":"HUD-2013-0110","document_id":"HUD-2013-0110-0001","regulation_id_number":null,"title":"FR–5595–N–01 Federal Housing Administration (FHA) Risk Management Initiatives: New Manual Underwriting Requirements","checked_regulationsdotgov_at":"2025-05-22T07:55:05Z"},"regulations_dot_gov_url":null,"significant":true,"signing_date":null,"start_page":75238,"subtype":null,"title":"Federal Housing Administration (FHA) Risk Management Initiatives: New Manual Underwriting Requirements","toc_doc":"Manual Underwriting Requirements","toc_subject":"Federal Housing Administration Risk Management Initiatives:","topics":[],"type":"Rule","volume":78}