USDA Seeks Input on Rural Loan Credit Check Form
Published Date: 6/12/2026
Notice
Summary
The Department of Agriculture is asking for public feedback on a form used to check credit history for rural housing loans. If you’re applying for help to build or fix a home in a rural area, this form helps the agency decide if you qualify. Comments are open until July 13, 2026, and the goal is to make the process easier and clearer without adding extra hassle or cost.
Analyzed Economic Effects
1 provisions identified: 1 benefits, 0 costs, 0 mixed.
Form for Nontraditional Credit Checks
If you apply for a Rural Housing Service loan or grant under Section 502 to build, repair, or improve a rural home, the agency uses Form RD 410-8 (Applicant Reference Letter) to collect credit references that don't appear on credit reports. The form documents nontraditional credit and repayment history so RHS can make better creditworthiness decisions. Comments on the form are open until July 13, 2026; the agency estimates 5,200 respondents and 520 total burden hours.
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