HUD Adds 'Do Not Pay' Check to FHA Mortgage System
Published Date: 7/7/2026
Notice
Summary
HUD is updating its Single-Family Mortgage system to include more types of records and add a 'Do Not Pay' check to keep payments safe and follow federal rules. This change affects people with HUD FHA loans and aims to improve how loan payments are handled. You can share your thoughts by August 6, 2026, before the update goes live.
Analyzed Economic Effects
3 provisions identified: 0 benefits, 1 costs, 2 mixed.
Do Not Pay checks for FHA loan payments
HUD will use the Do Not Pay routine use and share SMART system records with the U.S. Department of the Treasury and other federal agencies to identify, prevent, or recoup improper payments for Secretary-held FHA loans. The change is part of the SMART system modification and takes effect after the comment period ends (comments due August 6, 2026).
HUD may report discharged debt to IRS
HUD may disclose SMART system records to the Internal Revenue Service (IRS) for reporting discharge of indebtedness. This applies to mortgagors in the Secretary-held FHA portfolio and is part of the system's routine uses.
HUD adds TIN to ACH refunds
HUD will add Taxpayer Identification Numbers (TINs) to Automated Clearing House (ACH) deposits for refunds and overages on Secretary-held FHA loans. This change is part of the SMART system update and applies to mortgagors with HUD FHA loans.
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