HUD Wants Your Thoughts on Yet Another Mortgage Form Update
Published Date: 10/30/2026
Notice
Summary
HUD wants to update the forms used when you apply for a HUD/FHA insured mortgage to make sure you get all the info you need to make smart choices. If you’re applying for one of these loans, these changes might affect you soon. HUD is asking for your thoughts by November 30, 2026, so jump in and share your feedback!
Analyzed Economic Effects
3 provisions identified: 2 benefits, 1 costs, 0 mixed.
Estimated paperwork burden and cost to respondents
HUD estimates 2,045 respondents and 3,240,953 total annual responses for this collection, with a total annual burden of 435,558.31 hours at an hourly cost of $48.49, yielding an estimated annual cost of $21,120,222.45. These figures are HUD's stated estimate of the paperwork hours and dollar cost associated with the HUD/FHA forms covered by this notice.
New lender notifications for FHA refinances
If you refinance a mortgage that has an existing FHA partial claim subordinate lien, HUD's revised information collection adds new notification requirements for lenders on those refinances. The change is explicitly described as part of the revisions to the HUD/FHA application and disclosure forms.
SCIF form requirement removed for lenders
HUD's revision removes the requirement that lenders provide Fannie Mae/Freddie Mac form 1103, the Supplemental Consumer Information Form (SCIF). HUD states the SCIF is required by the GSEs but is not a statutory or regulatory requirement for HUD, so lenders will no longer need to submit it as part of this HUD collection.
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: 2026-22135, 30-Day Notice of Proposed Information Collection: Financial Documentation for the HUGS Recipient Portal
HUD is rolling out a new system called the HUGS Recipient Portal to better track how federal grant money is spent. If you receive HUD grants, you’ll need to submit financial documents through this portal. Comments on this new info collection are open until November 30, 2026, so get ready to share your thoughts!
Next: 2026-22137, Niagara Mohawk Power Corporation; Notice of Intent To File License Application, Filing of Pre-Application Document, Approving Use of the Traditional Licensing Process
Niagara Mohawk Power Corporation is gearing up to renew its license for the Varick-High Dam #21 Transmission Line in Oswego, New York. They've kicked off the traditional licensing process, which means more checks to protect wildlife and historic sites. This move sets the stage for careful planning and public involvement, with important steps happening soon that could impact local energy and the environment.