HUD Tweaks Privacy Rules for Loans and Leases—Feedback Welcome!
Published Date: 4/30/2026
Notice
Summary
HUD is updating how it manages info about loans, payments, and tenant leases for its multifamily properties through the Comprehensive Servicing and Monitoring System (CSMS). These changes affect property managers, tenants, and anyone involved with HUD-owned housing. You can share your thoughts by June 1, 2026, before the updates take effect, with no new costs involved.
Analyzed Economic Effects
4 provisions identified: 0 benefits, 2 costs, 2 mixed.
HUD will store SSNs, bank info, and leases
HUD's Comprehensive Servicing and Management System (CSMS, HUD/HOU-06) will collect and keep borrowers' and tenants' personal and financial data, including names, taxpayer ID/Social Security numbers (TIN/SSN), property addresses, phone and email, banking routing and account numbers, and tenant lease information. Those records are stored at locations in Silver Spring, MD and Lewis Center, OH and are retained until 6 years after the Secretary no longer has liability or interest in the project.
HUD can report payments and debt to the IRS
HUD may disclose CSMS records to the IRS for reporting payments, forgiveness of debt, and property sales under section 6109 of the Internal Revenue Code. If you are a mortgagor or seller of HUD-owned property, HUD can share information about payments and forgiven debt with the IRS.
HUD will use Treasury 'Do Not Pay' checks
HUD may disclose CSMS information to the U.S. Department of the Treasury to review payment and award eligibility through the Do Not Pay Working System to identify, prevent, or recoup improper payments. This affects applicants for, and recipients of, HUD or state-administered federally funded program payments and vendors receiving federal funds.
New servicing for 542 Risk-Share loans
CSMS is now the accounting and servicing module of record for FHA direct loans under the 542(b) and 542(c) Risk Share Program, including a new Risk Sharing Direct Loans (RSDL) portfolio added under a contract awarded in 2022 and a new subsidiary ledger file (FHASL). If you have a multifamily loan insured under 542(b) or 542(c), CSMS will service and account for that loan.
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Key Dates
Department and Agencies
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