60-Day Notice of Proposed Information Collection: Form RD 410-8 “Applicant Reference Letter” (A Request for Credit References); OMB Control No.: 0575-0091
Published Date: 1/29/2026
Notice
Summary
The USDA’s Rural Housing Service wants to update Form RD 410-8, which helps check credit references for loan applicants. If you’re applying for rural housing loans or involved in the process, this affects you. They’re asking for your feedback by March 30, 2026, and there’s no new cost—just a chance to make the form better and easier to use.
Analyzed Economic Effects
2 provisions identified: 1 benefits, 0 costs, 1 mixed.
Form documents nontraditional credit
Form RD 410-8 is used to collect credit information that does not appear on a credit report — including nontraditional credit and repayment history for debts not on credit reports — so the agency can determine applicants' creditworthiness. The form asks for specific, relevant information to verify repayment history and 'enables RHS to make better creditworthiness decisions.'
Revision raises small paperwork burden
The USDA Rural Housing Service proposes a revision to Form RD 410-8, the Applicant Reference Letter, used for Section 502 rural housing loans and grants. The agency estimates the public reporting burden is 0.10 hour per response, with 5,200 respondents and a total annual burden of 520 hours; comments are due by March 30, 2026 and the current OMB approval expires June 30, 2026 (OMB Control No. 0575-0091).
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