{"abstract":"The Rural Housing Service (RHS or Agency), a Rural Development (RD) agency of the United States Department of Agriculture (USDA), is publishing a final rule to update its regulation on how credit reports are obtained for the purposes of determining eligibility and feasibility for Multifamily Housing (MFH) Programs.","action":"Final rule.","agencies":[{"raw_name":"DEPARTMENT OF AGRICULTURE","name":"Agriculture Department","id":12,"url":"https://www.federalregister.gov/agencies/agriculture-department","json_url":"https://www.federalregister.gov/api/v1/agencies/12","parent_id":null,"slug":"agriculture-department"},{"raw_name":"Rural Housing Service","name":"Rural Housing Service","id":458,"url":"https://www.federalregister.gov/agencies/rural-housing-service","json_url":"https://www.federalregister.gov/api/v1/agencies/458","parent_id":12,"slug":"rural-housing-service"}],"body_html_url":"https://www.federalregister.gov/documents/full_text/html/2024/12/31/2024-31388.html","cfr_references":[{"chapter":null,"citation_url":null,"part":"1910","title":7},{"chapter":null,"citation_url":null,"part":"1955","title":7},{"chapter":null,"citation_url":null,"part":"3560","title":7}],"citation":"89 FR 106977","comment_url":null,"comments_close_on":null,"correction_of":null,"corrections":[],"dates":"This final rule is effective January 30, 2025.","disposition_notes":null,"docket_ids":["Docket No. RHS-24-MFH-0042"],"dockets":[{"supporting_documents":[],"agency_name":"RHS","documents":[{"comment_count":0,"comment_start_date":"2024-12-31","updated_at":"2026-03-19T14:59:09.055-04:00","comment_url":"https://www.regulations.gov/commenton/RHS-24-MFH-0042-0002","allow_late_comments":false,"id":"RHS-24-MFH-0042-0002","comment_end_date":null,"regulations_dot_gov_open_for_comment":false}],"supporting_documents_count":0,"id":"RHS-24-MFH-0042","title":"Multifamily Housing Program Update to the Credit Report Process"}],"document_number":"2024-31388","effective_on":"2025-01-30","end_page":106980,"executive_order_notes":null,"executive_order_number":null,"full_text_xml_url":"https://www.federalregister.gov/documents/full_text/xml/2024/12/31/2024-31388.xml","html_url":"https://www.federalregister.gov/documents/2024/12/31/2024-31388/multifamily-housing-program-update-to-the-credit-report-process","images":{},"images_metadata":{},"json_url":"https://www.federalregister.gov/api/v1/documents/2024-31388?publication_date=2024-12-31","mods_url":"https://www.govinfo.gov/metadata/granule/FR-2024-12-31/2024-31388/mods.xml","not_received_for_publication":null,"page_length":4,"page_views":{"count":273,"last_updated":"2026-08-25 10:15:04 -0400"},"pdf_url":"https://www.govinfo.gov/content/pkg/FR-2024-12-31/pdf/2024-31388.pdf","presidential_document_number":null,"proclamation_number":null,"public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2024-31388.pdf?1735566320","publication_date":"2024-12-31","raw_text_url":"https://www.federalregister.gov/documents/full_text/text/2024/12/31/2024-31388.txt","regulation_id_number_info":{"0575-AD30":{"issue":"202410","html_url":"https://www.federalregister.gov/regulations/0575-AD30/updates-to-7-cfr-3560-credit-report-process","title":"Updates to 7 CFR 3560--Credit Report Process","xml_url":"http://www.reginfo.gov/public/do/eAgendaViewRule?pubId=202410&RIN=0575-AD30&operation=OPERATION_EXPORT_XML","priority_category":"Substantive, Nonsignificant"}},"regulation_id_numbers":["0575-AD30"],"regulations_dot_gov_info":{"supporting_documents":[],"regulatory_plan":{"html_url":"https://www.federalregister.gov/regulations/0575-AD30/updates-to-7-cfr-3560-credit-report-process","title":"Updates to 7 CFR 3560--Credit Report Process"},"comments_count":0,"agency_id":"RHS","comments_url":"https://www.regulations.gov/docketBrowser?rpp=50&so=DESC&sb=postedDate&po=0&dct=PS&D=RHS-24-MFH-0042","supporting_documents_count":0,"docket_id":"RHS-24-MFH-0042","document_id":"RHS-24-MFH-0042-0002","regulation_id_number":"0575-AD30","title":"Multifamily Housing Program Update to the Credit Report Process","checked_regulationsdotgov_at":"2026-03-19T22:55:05Z"},"regulations_dot_gov_url":null,"significant":false,"signing_date":null,"start_page":106977,"subtype":null,"title":"Multifamily Housing Program Update to the Credit Report Process","toc_doc":"Multifamily Housing Program Update to the Credit Report Process","toc_subject":null,"topics":["Accounting","Administrative practice and procedure","Aged","Agriculture","Credit","Drug traffic control","Government property","Government property management","Grant programs-agriculture","Grant programs-housing and community development","Insurance","Loan programs-agriculture","Loan programs-housing and community development","Low and moderate income housing","Migrant labor","Mortgages","Nonprofit organizations","Public housing","Rent subsidies","Reporting and recordkeeping requirements","Rural areas"],"type":"Rule","volume":89}