HUD Wants Your Thoughts on Mortgage Premium Data Collection (Yawn)
Published Date: 9/15/2026
Notice
Summary
HUD is seeking approval from the Office of Management and Budget (OMB) for the information collection described below. In accordance with the Paperwork Reduction Act, HUD is requesting comment from all interested parties on the proposed collection of information. The purpose of this notice is to allow for 60 days of public comment.
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.
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Key Dates
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