HUD Tweaks Privacy Rules for Grant and Loan Databases
Published Date: 6/10/2026
Notice
Summary
HUD is updating its system that manages records for people and groups who get grants, loans, or subsidies. These changes improve how HUD stores, protects, and shares this information, making sure your data stays safe and accurate. If you want to share your thoughts, you have until July 10, 2026, to comment before the updates take effect.
Analyzed Economic Effects
8 provisions identified: 1 benefits, 4 costs, 3 mixed.
HUD Will Store Your Financial and ID Data
HUD's Line of Credit Control System (LOCCS) will collect and keep detailed identifying and financial information about grant, loan, and subsidy recipients. The records include Vendor Name; Vendor Number (EIN, SSN, or TIN); Unique Entity Identifier (UEI); bank account and routing numbers; voucher, contract, and schedule numbers; and other financial data.
HUD Will Check Recipients in Treasury’s Do Not Pay
HUD will disclose LOCCS data to the U.S. Department of the Treasury's Do Not Pay system to help identify, prevent, or recoup improper payments, in support of Executive Order 14249 and OMB Memorandum M-25-32 (August 20, 2025). This authorization includes reviews of payments disbursed by states under state-administered, federally funded programs.
HUD May Report Claims to Credit Bureaus
HUD may disclose information from LOCCS to consumer reporting agencies when trying to collect a government claim under 31 U.S.C. 3711(e). The disclosure is limited to identity details (name, SSN, address), the amount, status, history of the claim, and the agency or program involved.
UEI Replaces DUNS for Entity ID
LOCCS replaces the Data Universal Numbering System (DUNS) with the Unique Entity Identifier (UEI) to identify entities. The System of Records text states UEI has officially replaced DUNS for entity identification.
HUD Will Share Records for Litigation, Research, FOIA
LOCCS records may be disclosed to courts, the Department of Justice, Federal/state/local agencies, contractors, grantees, researchers, and the Office of Government Information Services (OGIS) for litigation, enforcement, research, program operations, and FOIA mediation. Some disclosures are limited to data necessary for the specific purpose and research disclosures must not be used to make decisions about individuals.
LOCCS Will Use FedRAMP Azure Cloud Storage
LOCCS resides in the Microsoft Azure US East Data Center in a FedRAMP certified Infrastructure-as-a-Service (IaaS) environment. HUD states access is limited to authorized personnel and describes background checks, annual security training, audit logs, and other safeguards.
Records Kept for Six Years After Final Payment
HUD will retain LOCCS financial records under General Records Schedule 1:1 and destroy them 6 years after final payment or cancellation, though longer retention is allowed if needed for business use.
You Must Verify Identity to Access or Contest Records
To request access to or notification of your LOCCS records, you must send a written request to HUD with your full name, current address, phone number, and provide either a notarized statement or an unsworn declaration under 24 CFR 16.4. Contesting records follows 24 CFR 16.8.
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Key Dates
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