HUD Streamlines Single-Family Mortgage Premium Collections
Published Date: 9/15/2026
Notice
Summary
HUD wants to update how it collects upfront mortgage insurance payments for single-family homes. This change helps HUD manage payments better and fix errors faster, making the process smoother for lenders and homeowners. If you’re involved in mortgage insurance, you can share your thoughts by November 16, 2026—no cost changes, just smarter data handling!
Analyzed Economic Effects
3 provisions identified: 1 benefits, 2 costs, 0 mixed.
Refunds of Unearned Upfront MIP
HUD says the information collection is used to calculate refunds of a portion of unearned upfront mortgage insurance premiums to former mortgagors under 24 CFR 203.283. Refunds apply if mortgage insurance is terminated by (1) conveyance to someone other than the Commissioner with no insurance claim presented, (2) prepayment of the mortgage, or (3) voluntary agreement with Commissioner approval; the refund amount is the premium paid multiplied by the applicable yearly premium refund percentage determined using projected salaries and expenses, prospective losses, and expected future refund payments.
ACH Required for SFPCS-U Transmissions
HUD states that FHA-approved lenders must use Automated Clearing House (ACH) applications for all transmissions with the Single Family Premiums Collections Subsystem–Upfront (SFPCS-U). This is an operational requirement lenders must follow when remitting upfront mortgage insurance premiums.
Paperwork Burden on FHA Lenders
HUD estimates the respondent pool as 1,080 FHA-approved lenders with 26,752 annual responses (frequency 24.77), an average 0.15 hours per response, totaling 4,012 burden hours and $224,672 in annual respondent cost. HUD is soliciting comment on these burden estimates and ways to reduce respondent burden.
Personalized for You
How does this regulation affect your finances?
Personalize government policy and PRIA will tell you what this federal register document means for your household, plus every other regulation we track. PRIA reads each provision against your financial profile to show you exactly what matters to your wallet.
Key Dates
Department and Agencies
Related Federal Register Documents
2026-16228, HUD's Implementation of the Fair Housing Act's Disparate Impact Standard; Amendments to HUD's Title VI Regulations
HUD published a notice of proposed rulemaking in January of 2026 that proposed to remove HUD's disparate-impact regulations and leave interpretation of disparate-impact liability under the Fair Housing Act to the courts. This supplemental notice of proposed rulemaking continues HUD's efforts to remove or revise regulations that prohibit conduct having a disparate impact without evidence of discriminatory intent. Through this rule, HUD is proposing to remove provisions in HUD's Title VI implementing regulations that impose disparate-impact liability on recipients of HUD Federal financial assistance. If finalized, this rule would improve consistency within HUD's own regulations and between HUD's regulations and the Title VI regulations recently revised by the Department of Justice (DOJ). This rule reopens the public comment period of HUD's January 2026 proposed rule on disparate-impact liability; HUD will only consider comments on topics related to this supplemental notice of proposed rulemaking during the reopened comment period.
2026-13939, Rescission of Floodplain Management and Protection of Wetlands; Minimum Property Standards for Flood Hazard Exposure; Building to the Federal Flood Risk Management Standard
HUD is rolling back its 2024 floodplain and wetland protection rules to how things were before, thanks to a new executive order. This change affects builders, developers, and communities by easing some flood risk rules but keeping helpful flexibilities. Comments on this proposal are open until September 8, 2026, so now’s the time to weigh in!
2026-08406, HOME Investment Partnerships Program: Further Program Updates and Streamlining
HUD is updating the HOME Investment Partnerships Program to make it simpler and more flexible, especially for green building projects and scattered site manufactured housing rentals. These changes affect local housing groups that get federal money to build or fix affordable homes. Public comments are open until June 1, 2026, so folks can share their thoughts before the new rules take effect.
2026-08339, HOME Investment Partnerships Program: Further Program Updates and Streamlining
HUD is hitting the pause button on some new HOME program rules that were supposed to start in 2025. This delay affects local governments and housing groups waiting for updated rules about affordable housing projects. No new changes or money moves will happen until HUD finishes reviewing and publishes the next final rule—so, hang tight!
2026-08244, Equal Access to Housing in HUD Programs Revisions
HUD is updating its rules to focus on biological sex instead of gender identity when it comes to housing programs. This means shelters and similar places can ask for proof of sex to keep everyone safe. These changes affect people using HUD housing services and those running them, with public comments open until June 29, 2026.
2026-06926, HOME Investment Partnerships Program-Maximum Per-Unit Subsidy Limit Methodology and Amount; Notice for Comment
HUD is updating how it sets the maximum money allowed per housing unit for the HOME Investment Partnerships Program. This change affects builders and developers using HOME funds starting May 11, 2026, and HUD wants your thoughts before finalizing it. The new limits help make sure funds stretch fairly and wisely to build affordable homes.
Previous / Next Documents
Previous: 2026-18826, Center for Scientific Review; Notice of Closed Meetings
The Center for Scientific Review at the National Institutes of Health is holding several closed virtual meetings in October 2026 to review and decide on grant applications. These meetings protect private info and trade secrets, affecting researchers waiting on funding decisions. No new costs or timing changes are announced, but these reviews are key steps in supporting important health research.
Next: 2026-18831, Agency Information Collection Activity Under OMB Review: Request for Nursing Home Information in Connection With Claim for Aid and Attendance
The VA is updating a form that helps figure out if veterans living in nursing homes qualify for extra financial help. This change means less paperwork for folks because fewer people are expected to apply. If you’re involved with nursing home care claims, get ready to share info by October 15, 2026, but no new costs are expected.