SUBCHAPTER S-INSURANCE FOR INVESTMENTS IN RENTAL HOUSING FOR FAMILIES OF MODERATE INCOME Part 702 Yield insurance. SUBCHAPTER T-MILITARY AND ARMED SERVICES HOUSING MORTGAGE INSURANCE 803 Armed services housing-military personnel. SUBCHAPTER U-NATIONAL DEFENSE HOUSING INSURANCE 903 Individual residences; national defense housing mortgage insurance. 908 National defense rental housing mortgage insurance. SUBCHAPTER V-LAND DEVELOPMENT INSURANCE 1000 Mortgage insurance for land development. SUBCHAPTER W-GROUP PRACTICE FACILITIES INSURANCE 1100 Mortgage insurance for group practice facilities. SUBCHAPTER 2—[RESERVED] Chapter III. SUBCHAPTER A GENERAL Sec. 200.1 200.2 200.3 Creation. 200.4 PART 200—INTRODUCTION Sec. 200.13 Homes for servicemen. Subpart A- Origin and Establishment 200.14 Homes for veterans. Armed Services, NASA, and AEC. 200.19 Other home mortgage assistance. PROJECT MORTGAGE INSURANCE 200.20 Rental projects. Subpart B-Functions and Programs 200.21 Housing for the elderly. Nursing homes. 200.5 200.22 IN GENERAL 200.24 Investment insurance. Scope and nature of programs. 200.25 Armed services housing-impacted Application for lender approval. areas. 200.27 Land development. 200.28 HOME MORTGAGE INSURANCE Group practice facilities. 200.10 One-to four-family homes. 200.29 Other project mortgage assistance. 200.11 Disaster damage to homes. COOPERATIVE HOUSING INSURANCE 200.12 Suburban and farm homes. 200.30 Cooperative projects. 200.6 200,7 Subpart D-Delegations of Basic Authority and Functions DELEGATIONS TO PARTICULAR POSITIONS 200.50 Authority for delegations. 200.51 Acting Commissioner. 200.52 Deputy Assistant Secretary. 200.52a Assistant Commissioner for Field Operations and Deputy. 200.52b Director of the Mortgage Insurance Programs Support Division and Deputy. 200.53 Director of the Publicly Financed Programs Support Division and Deputy. 200.54 Director of the Administrative Sup port Division and Deputy. 200.55 Assistant Commissioner Property Improvement and Deputy. 200.56 Assistant Commissioner Unsubsi dized Insured Housing Programs and Deputy. 200.56a Director Single Family and Land Development Division and Dep uty. 200.58 Director Multifamily Division and Deputy. 200.588 Chief of the Rental Housing Branch. 200.58b Chief of the Cooperative and con dominium Branch. 200.580 Chief of the Nursing Homes and Related Facilities Branch. 200.580 Chief of the Group Practices and Nonprofit Hospitals Branch. 200.59 Assistant Commissioner Subsidized Housing Programs and Deputy. 200.59a Director Publicly Financed Housing Division and Deputy. 200.59b Chief of the Low Rent Housing Branch. Sec. 200.59c Chief of the College Housing As. sistance Branch. 200.61 Director Subsidized Mortgage Insur ance Division and Deputy. 200.61a (Reserved] 200.61b (Reserved] 200.610 (Reserved] 200.61d Chief of the Homeownership As sistance Branch. 200.61e Chief of the Elderly Housing Assist ance Branch. 200.611 Chief Multifamily Housing Assist ance Branch. 200.62 Assistant Commissioner Technica and Credit Standards an Deputy. 200.63 Director of the Architecture ani Engineering Division and Deputy 200.64 Director Appraisal and Mortgag Risk Division and Deputy. 200.65 Assistant Commissioner Program and Deputy. 200.65a [Reserved) 200.65b Director Economic and Marke Analysis Division and Deputy. 200.66 Director of the Research and Statis tics Division and Deputy. 200.67 Director of the Program Divisio and Deputy. 200.68 Assistant Commissioner Adminis tration and Deputy. 200.70 Director of the Budget Division ani Deputy. 200.71 Director Participation and Compli ance Review Division and Dep. uty; Previous Participation Re view Officer. 200.72 Director of the Management ani Operations Assistance Divisioi and Deputy. 200.73 Assistant Commissioner for Reha bilitation and Deputy. 200.77 Assistant Commissioner-Comptrol ler and Deputy. 200.78 Accounts Officer and Deputy. 200.79 Insurance Officer and Deputy. 200.80 Fiscal Officer and Deputy. 200.81 Procedures Officer and Deputies. 200.82 Reports Officer and Deputy. 200.84 [Reserved] 200.84a [Reserved] 200.84b Field Ofice Directors, Deputies, and Assistants. 200.84c Director of the Multifamily Hous. Sec. Sous 200.92 ing Insuring Office (New York) 200.84d (Reserved] 200.84e Director, Compliance Coordination. DELEGATIONS TO COMMITTEES 200.85 Executive Board. 200.86 Security Committee. 200.87 Management Improvement Com. mittee. 200.89 Substantial Compliance Committee. 200.90 Finance Committee. 200.91 Operations Analysis Policy Commit tee. Sine Der Sec. 200.115 Program Manager and Multifamily Housing Representative. 200.116 Director, Production Division, and Deputy. 200.117 Director, Housing Services and Property Management Division, and Chief, Property Operations Branch. 200.118 Area Director and Deputy Area Director. Subpart Mortgage Insurance Procedures and Processing 200.140 Scope of subpart. 200.141 Procedure in general. APPLICATION FOR INSURANCE 200.142 Form and filing. 200.143 Purpose and content. 200.144 Fees. 200.145 Technical analysis and underwrito ing processing. 200.146 Acceptance, rejection and recon sideration. COMMITMENT FOR INSURANCE 200.147 Issuance of commitment. 200.148 Types of commitments. 200.149 Terms and conditions. INSURANCE ENDORSEMENT 200.150 Request for endorsement. 200.151 Final review. 200.152 Endorsement for insurance. CLAIMS FOR LOSSES 200.153 Presentation of clalm. 200.154 Notice of default. 200.155 Claim requirements. 200.156 Settlement of claims. 200.157 Provisions and characteristics of debentures. 200.158 Applicability of Treasury regula tions to debenture transactions. 200.159 Relief on account of lost, stolen, de stroyed, mutilated or defaced debentures. 200.160 Redemption of debentures prior to maturity. 200.161 Administration of debenture trans actions. 200.162 Certificates of claim. anc Structural Defects Committee. Committee. MISCELLANEOUS DELEGATIONS 200.95 Field Office Chiefs of Operations merki and Assistants to the Directors. 200.96 Field Office Directors, Deputy Di rectors and Assistant Directors; and Director, Multifamily Hous ing Insuring Office (New York). 200.97 Assistant Commissioner for Field Operations and Deputy; Assistant Commissioner for Home Mortgages and Deputy; Assistant echu Commissioner for Property Improvement and Deputy; and the Assistant Commissioner for Multifamily Housing and Deputy and Division Directors under their supervision. Mortgage Credit Examiner and aminer. 200.99 Real Property Officer. Ad-> 200.100 Closing Clerk. 200.103 Division Directors and their superi ors; Field Office Directors, Depu ties, and Assistants, and others. d (1= 200.104 Classified Information Control Off cer. gatic 200.105 Personnel Security Officer and Dep uty. 200.106 Assistant Commissioner for Field Operations and Deputy; HUD Regional Administrators and Assistant Regional Administrators for FHA; Directors, Deputy Directors, Assistant Directors, Administrative Officers, Chief Clerks, and Service Office Supervisors in FHA Field Offices; and Assistant Comissioner for Administration and Deputy. 200.107 National emergency. 200.108 Director Management and Opera tions Assistance Division and Deputy. Regional Administrators, and the Production and Mortgage Credit. 200.110 Chief, Valuation Section, and Com mitment Appraiser. 200.111 Chief, Mortgage Credit Section, and Commitment Mortgage Credit Examiner. 200.113 Chief, Finance and Mortgage Credit Section, 200.113 Assistant Director for Technical Services. 200.114 Assistant Director for Single Fam ily Mortgage Insurance. D. for our Outs . TI ty ding Subpart Property Improvement Loan Procedures and Processing LOAN TRANSACTION 200.165 Lender's application for insurance. 200.166 Lending area. 200.167 Credit investigation of borrower. 200.168 Other requirements for a Property Improvement loan. 200.169 Direct borrower loans. 200.170 Loan through a dealer. 200.171 Notice to borrower. DISBURSEMENT 200.172 Disbursement of proceeds to dealer. 200.173 Disbursement of proceeds to bor rower. 200.205 Basis of action. 200.206 Inquiry notice and explanation. 200.207 Determination. 200.208 Rescinding actions. Subpart K.Nondiscrimination and Equal Oppor tunity in Housing and Group Practice Facilities 200.300 Nondiscrimination policy. 200.305 Notice to public. 200.310 Definition of "discriminatory prac tice". 200.315 Prohibition against discriminatory practice. 200.320 Subdivision report and multifamily, land development, and group practice facilities preapplication analysis. 200.325 Corporate charters and regulatory agreements. 200.335 Provisions in legal instruments. 200.340 Complaints and hearings. 200.345 Sanctions. 200.350 Appeals from findings of Field Office Directors, 200.355 Reinstatement. Sec. 200.505 Nature of defect. 200.507 Eligibility requirements. 200.510 Type of assistance. 200.512 Subrogation by mortgagor. 200.515 Right and finality of determinatior Subparts L-Q (Reserved] Subpart R-Claims Collection Standards 200.900 General collection standards. 200.905 Collection of title I accounts. AUTHORITY: The provisions of this Part 20 issued under sec. 2, 48 Stat. 1246, as amende sec. 211, 52 Stat. 23, as amended, sec. 607, 6 Stat. 61, as amended, sec. 712, 62 Stat. 128 as amended, sec. 907, 65 Stat. 301, as amenc ed, sec. 807, 69 Stat. 651, as amended; I U.S.C. 1703, 1715b, 1742, 1747k, 1748f, 1750 Subpart A-Origin and Establishmer $ 200.1 Creation. The Federal Housing Administratio: (frequently referred to herein as thi FHA) was originally created by the Na tional Housing Act, approved June 2 1934 (48 Stat. 1246; 12 U.S.C. 1702). O November 9, 1965, by operation of th. Department of Housing and Urban De velopment Act, approved September 1965 (79 Stat. 667), the FHA was trans ferred to the Department of Housing an Urban Development. (31 F.R. 7743, June 1, 1966] $ 200.2 Status. The Federal Housing Administratio is an organizational unit within the De partment of Housing and Urban Deve opment. [31 F.R. 7743, June 1, 1966) $ 200.3 Purpose. The Federal Housing Administratio was established to encourage improve ment in housing standards and cond: tions, to provide an adequate home f nancing system by insurance of housin mortgages and credit, and to exert stabilizing influence on the mortgag, market. [26 F.R. 7380, Aug. 12, 1961) $ 200.4 Meaning of term “Commii sioner". Effective January 18, 1966, the terr “Commissioner," as used in this chaptei shall have the following meaning: (a) Where the term appears in con nection with the conveyance or assign ment of real or personal property, it shal be deemed to refer to the Secretary o: Housing and Urban Development. Subpart 1-Equal Employment Opportunity 200.400 Purpose. 200.405 Notice to public. 200.410 Definition of term “applicant”. 200.415 Agreement of applicant. 200.420 Equal opportunity clause to be in cluded in contracts and sub contracts. 200.425 Exemptions. 200.430 Sanctions. Subpart K-Correction of Structural Defects 200.500 Purpose. 200.502 Application for assistance. (b) Where the term appears in con HOME MORTGAGE INSURANCE nection with instances other than set forth in paragraph (a) of this section, $ 200.10 One-to four-family homes. it shall be deemed to refer to the Federal (a) The FHA insures mortgages on Housing Commissioner acting on behalf one- to four-family dwellings. The maxiof the Secretary of Housing and Urban mum mortgage cannot exceed the lesser Development. of a dollar amount (which varies de(31 F.R. 816, Jan. 21, 1966) pending upon whether the residence is one-, two-, three- or four-family) and an Subpart B-Functions and Programs amount computed under a statutory for mula based on the ratio the loan bears IN GENERAL to the appraised value of the property. $ 200.5 Scope and nature of programs. (b) The basic home mortgage insur ance program is authorized under Title The Federal Housing Administration II, section 203(b) of the National Housdoes not make loans or build housing ing Act and governed by regulations but operates insurance programs under contained in Part 203 of this chapter. the provisions of the National Housing Act. The FHA provides insurance for pri (26 F.R. 7380, Aug. 12, 1961, as amended at 32 F.R. 15637, Nov. 10, 1967) vate lenders against loss on mortgages financing homes, multifamily projects, $ 200.11 Disaster damage to homes. land development projects, and group (a) The FHA Insures mortgages given practice facilities projects and against loss on loans for property improvements. to finance the replacement of homes deIt also provides insurance of yields on stroyed or extensively damaged by major investments in rental housing projects. disasters. The maximum mortgage canAll mortgage and loan transactions must not exceed the lesser of a dollar amount be acceptable to the Commissioner. The and an amount computed under a statuvarious insurance programs are outlined tory formula based on the ratio the loan in $ $ 200.10 through 200.39, and more bears to the appraised value of the particularly described in other parts of property. this chapter. (b) This program is authorized under Title II, section 203(h) of the National (32 F.R. 15637, Nov. 10, 1967) Housing Act and governed by regula$ 200.6 Application for lender approval. tions contained in Part 203 of this chapter. An application for approval, as a [26 F.R. 7380, Aug. 12, 1961, as amended at mortgagee, as a loan correspondent or 32 F.R. 15637, Nov. 10, 1967] as a Title I lending institution is submitted on an appropriate form pre- $ 200.12 Suburban and farm homes. scribed by the Commissioner. These (a) The FHA insures mortgages on forms may be obtained from any local single-family owner-occupied homes loFHA insuring office or from the Head cated in sparsely populated nonurban quarters Office in Washington, D.C. areas and farm areas. The land on which When fully executed the form is sub the house is located must be adjacent mitted to the insuring office having juris to a public highway. The maximum diction for transmittal to the Headquar mortgage cannot exceed the lesser of a ters Office, Washington, D.C. dollar amount and an amount computed (26 F.R. 7380, Aug. 12, 1961) under a statutory formula based on the $ 200.7 Forms for mortgage and loan ratio the loan bears to the appraised insurance. value of the property. (b) This program is authorized under Forms and instructions for obtaining Title II, section 203(i) of the National assistance under each of the various Housing Act and governed by regulations FHA mortgage and loan insurance pro- contained in Part 203 of this chapte grams may be obtained from any FHA 126 F.R. 7380, Aug. 12, 1961, as amended at insuring office. When fully executed, 32 F.R. 15637, Nov. 10, 1967) forms are submitted to the insuring office having jurisdiction of the area $ 200.13 Homes for servicemen. where the property is located and for (a) The FHA insures mortgages on which insurance assistance is requested. single-family dwellings owned and oc(32 F.R. 15637, Nov. 10, 1967] cupied by servicemen on active duty with |
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