# 2026-19650: HUD wants more mortgage rate chit-chat from lenders

2026-19650, 60-Day Notice of Proposed Information Collection: Disclosure of Adjustable Rate Mortgage (ARM) Rates, is a Federal Register notice from Housing and Urban Development Department published 2026-09-25, effective Comments Due Date: November 24, 2026.; PRIA reads it as touching household money (as of 2026-10-02).

- Canonical: https://policyrisk.com/federal-register/2026-19650
- As of: 2026-10-02
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Document number: 2026-19650
- Title: 60-Day Notice of Proposed Information Collection: Disclosure of Adjustable Rate Mortgage (ARM) Rates
- Type: Notice
- Agencies: Housing and Urban Development Department
- Citation: 91 FR 60979
- Published: 2026-09-25
- Effective: Comments Due Date: November 24, 2026.
- Comments close: 2026-11-24
- Significant: no
- Touches household money: yes
- Regulation identifier numbers: none
- Last updated: 2026-10-02

## In one line

HUD wants more mortgage rate chit-chat from lenders

## Summary

HUD wants to keep collecting info from lenders about Adjustable Rate Mortgages (ARMs) to make sure borrowers get clear, easy-to-understand details before signing up. This helps people know how their ARM rates might change over time. If you’re a lender or borrower, watch out for the comment deadline on November 24, 2026—your feedback matters!

## Abstract

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.

## Effects PRIA read

- Pre-loan ARM disclosure for borrowers: benefit, low. If you apply for an FHA-insured adjustable rate mortgage (ARM), the lender must give you a written pre-loan disclosure that explains the ARM loan features before you sign. HUD collects that pre-loan ARM disclosure as part of the origination case binder.
- Annual ARM adjustment notice timing: benefit, low. If you have an adjustable rate mortgage, your loan servicer must provide an annual ARM Disclosure Notice at least 25 days before any adjustment to your monthly payment may occur, telling you the new interest rate, the new monthly payment, the index value, and how the adjustment was calculated.
- HUD collection imposes lender burden: cost, low. HUD is extending this information collection on lenders. The respondents are lenders; HUD estimates 60,609 respondents and 60,609 responses (one per FHA-insured adjustable rate loan), with an average of 0.05 hours per response and total estimated burden of 3,030 hours.

## Related documents

- [2026-16228](https://policyrisk.com/federal-register/2026-16228): HUD's Implementation of the Fair Housing Act's Disparate Impact Standard; Amendments to HUD's Title VI Regulations, 2026-08-10
- [2026-13939](https://policyrisk.com/federal-register/2026-13939): Rescission of Floodplain Management and Protection of Wetlands; Minimum Property Standards for Flood Hazard Exposure; Building to the Feder…, 2026-07-10
- [2026-08406](https://policyrisk.com/federal-register/2026-08406): HOME Investment Partnerships Program: Further Program Updates and Streamlining, 2026-04-30
- [2026-08339](https://policyrisk.com/federal-register/2026-08339): HOME Investment Partnerships Program: Further Program Updates and Streamlining, 2026-04-29
- [2026-08244](https://policyrisk.com/federal-register/2026-08244): Equal Access to Housing in HUD Programs Revisions, 2026-04-28
- [2026-06926](https://policyrisk.com/federal-register/2026-06926): HOME Investment Partnerships Program-Maximum Per-Unit Subsidy Limit Methodology and Amount; Notice for Comment, 2026-04-10

## Sources
- [2026-19650 on federalregister.gov](https://www.federalregister.gov/documents/2026/09/25/2026-19650/60-day-notice-of-proposed-information-collection-disclosure-of-adjustable-rate-mortgage-arm-rates)
- [2026-19650 as published (PDF)](https://www.govinfo.gov/content/pkg/FR-2026-09-25/pdf/2026-19650.pdf)

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Source: PRIA, https://policyrisk.com/federal-register/2026-19650 (as of 2026-10-02).