24 C.F.R. Subpart Y—Multifamily Accelerated Processing (MAP): MAP Lender Quality Assurance Enforcement
Title 24 - Housing and Urban Development
Source: 70 FR 43242, July 26, 2005, unless otherwise noted.
(a) In addition to any other legal remedy available to HUD, HUD may take the following actions with respect to a MAP lender: (1) Warning letter; (2) Probation; (3) Suspension; (4) Termination; (5) Limited Denial of Participation (LDP); (6) Referral to the Mortgagee Review Board; and (7) Referral to the Office of Inspector General. (b) The actions listed in paragraphs (a)(1) through (a)(4) of this section are carried out in accordance with the requirements of this subpart. An LDP is a sanction applied in accordance with subpart G of 24 CFR part 24 to participants in loan transactions other than FHA-insured lenders. The Mortgagee Review Board procedures are found at 24 CFR part 25. (a) In general. HUD may issue a warning letter, which specifies problems or violations identified by HUD, to a MAP lender. (b) Effect of warning letter. The warning letter: (1) Does not suspend a lender's MAP privileges; (2) May impose a higher level of review of the lender's underwriting by HUD; (3) May direct the taking of a corrective action; and (4) May require a meeting in a designated HUD office with the principal owners or officers, or both, of the MAP lender to discuss the specified problems and violations, and possible corrective actions. (c) Relationship to other sanctions. The issuance of a warning letter is not subject to the MAP Lender Review Board procedures in accordance with §200.1535, and is not a prerequisite to the probation, or suspension, or termination of MAP privileges. (a) In general. Only the MAP Lender Review Board (or Board) may place a lender on probation, in accordance with the procedures of §200.1535. (b) Effect of probation. (1) Probation is intended to be corrective in nature and not punitive. As a result, release from probation is conditioned upon the lender meeting a specific requirement or requirements, such as replacement of a staff member. A lender's failure to take prompt corrective action after being placed on probation may be the basis for a recommendation of either suspension or termination. Any such recommendation shall, when possible, go to a MAP Lender Review Board composed of the same members who issued the original probation. (2) During the probation period, a MAP lender: (i) Shall be removed from the MAP-Approved Lender list posted on HUD's website; (ii) May not submit, and HUD may not accept, materials after the close of business of the date of the probation letter for a new application under MAP for multifamily mortgage insurance from HUD; and (iii) May continue to process any existing application for multifamily mortgage insurance submitted to a Multifamily Hub or Program Center before the date of the probation letter. (3) The MAP Lender Review Board may impose a higher level of review of the lender's underwriting by HUD; (4) Probation is nationwide in effect. (c) Duration of probation. (1) Probation continues until all specific corrective actions required by the MAP Lender Review Board (for example, exclusion of a specific staff member from work on MAP loans) are taken by the MAP lender. When all corrective actions have been taken, the MAP lender shall notify the Board. Once the Board is satisfied that the corrective actions have occurred, the probation period shall end. (2) A false statement that corrective action has been taken constitutes a false certification and may constitute a violation of 18 US.C. 1001. (3) When probation is lifted, the lender's name shall be promptly reinstated on the MAP-Approved Lender list posted on HUD's Web site. (a) In general. Only the MAP Lender Review Board may suspend a lender's eligibility for MAP, in accordance with the procedures of §200.1535. (b) Effect of suspension. (1) A suspension may impose any conditions that may be imposed by probation. (2) During the suspension period a MAP lender: (i) Shall be removed from the MAP-approved lender list posted on HUD's Web site; (ii) May not submit, and the HUD field office may not accept, materials after the close of business of the date of the suspension letter for a new application for multifamily mortgage insurance from HUD; and (iii) May continue to process any existing application for multifamily mortgage insurance submitted to a Multifamily Hub or Program Center before the date of the suspension letter. (3) The MAP Lender Review Board may impose a higher level of review of the lender's underwriting by HUD; (4) Suspension is nationwide in effect. (c) Duration of suspension. (1) Suspension may not exceed 12 months, except where conditions are imposed. If both a time period and conditions are imposed, a suspension shall terminate only when: (i) The time period of the suspension has expired; (ii) The MAP lender has submitted a certification of compliance with those conditions to the Board; and (iii) The Board has notified the MAP lender it has received the certification of compliance and is satisfied that the corrective actions have occurred. (2) When suspension is lifted, the lender's name shall be promptly reinstated on the MAP-Approved Lender list posted on HUD's Web site. (a) In general. Except as provided in paragraph (b) of this section, only the MAP Lender Review Board may terminate a lender's MAP privileges, in accordance with the procedures of §200.1535. (b) Administrative termination. HUD will notify a lender of immediate termination of MAP privileges when either of the following circumstances is present: (1) Failure by the MAP lender to maintain its status as an FHA-approved lender; or (2) Failure by the MAP lender to maintain a minimum level of MAP lender activity, as evidenced by failure to submit either a pre-application package or firm commitment application at least once every 12 months. (c) Effect of termination. (1) The terminated lender shall be removed from the MAP-Approved Lender list on HUD's Web site. (2) A terminated lender may not submit, and the HUD field office may not accept, materials after the close of business of the date of the termination letter for new multifamily mortgage insurance from HUD. (3) Any MAP pre-application or MAP application in process may no longer be processed under MAP by the terminated lender. The lender will either: (i) Immediately transfer the transaction to the traditional application processing (TAP) procedure. HUD will completely reprocess all stages of the transaction; or (ii) Immediately transfer the project to a new MAP lender. The new MAP lender must completely reprocess all stages of the transaction. At no time can the new MAP lender assign the pre-application, the firm application, the mortgage insurance commitment, or the insured construction loan back to the original MAP lender. (4) HUD will not endorse any MAP loan processed by the terminated lender unless a firm commitment was issued before the date of termination. (i) Firm commitments involving new construction or substantial rehabilitation must be immediately transferred to a new MAP lender. At no time can the new MAP lender assign the firm mortgage insurance commitment, or the insured construction loan, back to the original MAP lender. (ii) Firm commitments issued for Section 223(f) projects may be transferred before final endorsement to any approved FHA lender or kept in the lender's portfolio. (iii) For those construction loans that have been initially endorsed, the MAP lender will lose its MAP privileges for construction loan administration. HUD will assume all the construction loan administration duties it normally performs for TAP processing. (iv) The original lender may service a transferred loan once it is finally endorsed. (5) Termination is nationwide in effect. (6) When a MAP lender loses its MAP lender status as a result of termination, the lender's status to process transactions using TAP is unaffected, provided that the lender has maintained its status as an FHA-approved multifamily lender. (d) Reinstatement. An application for reinstatement of MAP authority may not be made until at least 12 months after the date of termination. The requirements for reinstatement shall be the same as for initial qualification, and the applicant must show that the problems that led to termination have been resolved. (a) HUD staff, as authorized, may negotiate a settlement agreement with a MAP lender before or after the issuance of a warning letter or referral to the MAP Lender Review Board. Once a matter has been referred to the MAP Lender Review Board, only the Board may approve a settlement agreement. (b) Settlement agreements may provide for: (1) Cessation of any violation; (2) Correction or mitigation of the effects of any violation; (3) Removal of lender staff from positions involving origination, underwriting, and/or construction loan administration; (4) Actions to collect sums of money wrongfully or incorrectly paid by the MAP lender to a third party; (5) Implementation or revision of a quality control plan or other corrective measure acceptable to HUD; and (6) Modification of the duration or provisions of any administrative sanction deemed to be appropriate by HUD. (c) A MAP lender's compliance with a settlement agreement is evidenced by the lender certifying its compliance with the conditions of the agreement, and HUD's determination that the lender is in compliance with the conditions of the agreement. (d) Failure by a MAP lender to comply with a settlement agreement may result in a probation, or suspension, or termination of MAP privileges, or referral to the Mortgagee Review Board. It is HUD policy that approved MAP lenders are expected to comply at all times with HUD's underwriting and construction loan administration requirements and not to take any action that presents a risk to HUD's insurance funds. A MAP lender's improper underwriting and construction loan administration activities may lead to a warning letter or other sanction from HUD. Examples of such activities include, but are not limited to, the following: (a) Minor offenses that may be the basis for a warning letter include: (1) Failure to provide required exhibits or the submission of incomplete or inaccurate exhibits. Although the MAP lender will be permitted to correct minor errors or provide additional information, substantial inaccuracies or lack of significant information will result in a return of the application and retention of any fee collected; (2) Repeated failure to complete processing to firm commitment unrelated to an underwriting analysis that demonstrates that the process should not proceed to firm commitment; (3) Preparation of an underwriting summary that is not supported by the appropriate documentation and analysis; (4) Failure to notify the HUD processing office promptly of changes in the mortgage loan application for a firm commitment submitted, such as changes in rents, numbers of units, or gross project area; (5) Failure to meet MAP closing requirements or construction loan administration requirements; (6) Business practices that do not conform to those generally accepted by prudent lenders or that show irresponsibility; and (7) Failure to cooperate with a Lender Qualifications and Monitoring Division review by HUD. (b) Serious offenses that might be a basis for a warning letter or probation, suspension, or termination include: (1) Receipt of multiple warning letters over any one-year period. In determining which sanction to pursue as a result of prior warning letters, HUD will consider the facts and circumstances surrounding those warning letters and the corrective actions, if any, undertaken by the lender; (2) Fraud or material misrepresentation in the lender's participation in FHA multifamily programs; (3) Lender collusion with, or influence upon, third party contractors to modify reports affecting the contractor's independent evaluation; (4) A violation of MAP procedures by a third party contractor, which the MAP lender knew, or should have known, was occurring and which, if performed by the MAP lender itself, would constitute a ground for a sanction under this chapter; (5) Evidence that a lender's inadequate or inaccurate underwriting was a cause for assignment of an FHA-insured mortgage and claim for insurance benefits to HUD; (6) Identity-of-interest violations as defined by Chapter 2 of the MAP Guide; (7) Payment by, or receipt of a payment by, a MAP lender of any kickback or other consideration, directly or indirectly, which would affect the lender's independent evaluation, or represent a conflict of interest, in connection with any FHA-insured mortgage transaction; (8) Failure to comply with any agreement, certification, undertaking, or condition of approval listed in a MAP lender's application for approval; (9) Noncompliance with any requirement or directive of the MAP Lender Review Board; (10) Violation of the requirements of any contract with HUD, or violation of the requirements in any statute or regulation; (11) Submission of false information, or a false certification, to HUD in connection with any MAP mortgage transaction; (12) Failure of a MAP lender to respond in a timely manner to inquiries from the MAP Lender Review Board in accordance with this subpart; (13) Indictment or conviction of a MAP lender or any of its officers, directors, principals, or employees for an offense that reflects on the responsibility, integrity, or ability of the lender to participate in the MAP initiative; (14) Employing or retaining an officer, partner, director, or principal at the time when the person was suspended, debarred, ineligible, or subject to an LDP under 24 CFR part 24, or otherwise prohibited from participation in HUD programs, when the MAP lender knew or should have known of the prohibition; (15) Employing or retaining an employee who is not an officer, partner, director or principal, and who is or will be working on HUD–FHA program matters, at a time when that person was suspended, debarred, ineligible, or subject to an LDP under 24 CFR part 24 or otherwise prohibited from participation in HUD programs, when the MAP lender knew or should have known of the prohibition; (16) Failure to cooperate with an audit or investigation by the HUD Office of Inspector General or an inquiry by HUD into the conduct of the MAP lender's FHA-insured loans; and (17) Failure to fund MAP mortgage loans or any misuse of mortgage loan proceeds. (a) Authority—(1) Sanctions. The MAP Lender Review Board (or Board) is authorized to impose appropriate sanctions on a MAP lender after: (i) Conducting an impartial review of all information and documentation submitted to the Board; and (ii) Making factual determinations that there has been a violation of MAP requirements. (2) Settlement agreements. The Board is authorized to approve settlement agreements in accordance with §200.1525 of any matter pending before the Board. (3) Extensions. The Board is authorized to extend, on its own initiative or for good cause at the written request of a MAP lender, any time limit otherwise applicable under this section. Notice of any such extension shall be timely provided to a MAP lender. (b) Notice of violation. Before the Board reviews a matter for consideration of a sanction, the Board's Chairman will issue written notice of violation to the MAP lender's contact person as listed on the Multifamily MAP Web site. The notice is sent by overnight delivery and must be signed for by an employee of the MAP lender upon receipt. The notice: (1) Informs the lender that the Board is considering a specific violation; (2) States the specific facts alleged concerning the violation, with citation to the HUD requirements that have been violated; (3) Includes as attachments copies of all documents evidencing the violation and upon which the Board will rely in reaching a decision; (4) Provides the lender with the opportunity to request in writing, within 15 business days after the date of the issuance of the notice, to: (i) Meet for an informal conference with the Board in person or by video conference using HUD facilities at Headquarters or one of HUD's field offices; and (ii) Present written evidence and any other relevant information at the conference; (5) Requires a written response to be submitted to the Board by a date specified within the notice; (6) Provides the street address, email address, or facsimile (FAX) number for purposes of receiving the lender's request for an informal conference and written response; and (7) Is made part of the administrative record of the Board's decision of the matter. (c) Response to notice. (1) The MAP lender's written response required by the notice of violation may not exceed 15 double-spaced typewritten pages and must include an executive summary, a statement of the facts, an argument, and a conclusion. The response and supporting documentation must be submitted in triplicate. (2) Failure to respond by the dates specified within the notice may result in a determination by the Board without conducting an informal conference with the MAP lender and without consideration of any written response submitted by the MAP lender. (d) Informal conference. (1) The Board will schedule an informal conference and notify the lender of the time and place of the conference, if one is requested. (2) At the conference, the Board will meet with the lender or its designees and HUD staff to review documentary evidence and presentations by both sides. (3) Oral statements made at the informal meeting will not be considered as part of the administrative record of the Board's determination, except: (i) The Board may note for the record and consider voluntary admissions, made by the lender or a representative of the lender, of any element of the violation charged; (ii) Statements substantiated by any additional documents or evidence submitted in accordance with paragraphs (e)(1) or (e)(3) of this section; and (iii) Transcripts prepared and submitted in accordance with paragraph (e)(2) of this section. (e) Post-conference submissions. (1) Any additional documents, evidence, or written arguments relevant to the notice of violation and the informal conference that the lender or HUD staff wish to present to the Board, must be presented within five business days after date of the informal conference. (2) No transcript of the informal conference will be made, unless the lender elects to have a transcript made by a certified court reporter at its own expense. If the lender elects to have a transcript made, the lender must provide three copies of the transcript to HUD within five business days after the date of the informal conference. The transcript will not become a part of the administrative record of the Board's decision unless it is submitted within the required five-day period frame. (3) Following the receipt of any post-conference submissions, the Board may request or permit additional documents or evidence to be submitted within a period set by the Board for inclusion in the administrative record. (f) Board action. (1) The Board will confer to consider the evidence included in the administrative record and make a final decision concerning the matter. Any record of confidential communications between and among Board members at this stage of the proceedings is privileged from disclosure and will not be regarded as a part of the administrative record of any matter. (2) In determining what action is appropriate concerning the matter, the Board considers, among other factors: (i) The seriousness and the extent of the violation; (ii) Any history of prior offenses; (iii) Deterrence of future violations; (iv) Any inappropriate benefits received by the MAP lender; (v) Potential inappropriate benefit to other persons; and (vi) Any mitigating factors. (3) Board decisions will be determined by majority vote. (g) Notice of action. (1) The Board will issue its final decision within 10 business days after the date of the informal conference or the expiration of any period allowed for the submission of documents and evidence, whichever is later. (2) The Board will notify the MAP lender of its final decision by overnight delivery of a written notice of the final decision to the MAP lender's contact person as listed on the Multifamily MAP Web site. The Board will also notify HUD field offices of its final decision. (3) The final decision finds that a violation either does, or does not, exist. If a violation is found to exist, the final decision: (i) States the violation and any factual findings of the Board; (ii) States the nature and duration of the sanction; (iii) Informs the MAP lender of its right to an appeal conference and identifies the appeals official to be contacted; and (iv) May add to or modify the violation as stated in the initial notice of violation. The Board may issue an imminent harm notice of action to terminate a MAP lender, or to place a MAP lender on probation or suspension without advance notice to the MAP lender in those instances where the Board determines there exists a need to protect the financial interest of HUD from imminent harm. In all such instances, the Board shall notify the lender of the Board's decision promptly and give the reasons for the decision in accordance with §200.1535(g)(2) and (3). The lender shall have the right to submit materials to the Board and to appear before the Board to seek prompt reconsideration of the Board's decision in accordance with the procedures of §200.1535. (a) Request for appeal. Whenever the Board imposes a sanction of probation, suspension, or termination against a MAP lender, the lender may request, in writing, an appeal conference before the appeals official. The MAP lender must deliver the written request for an appeal to the appeals official within 10 business days after the date noted on the notice of action or the right to an appeal is deemed waived. Participation in the appeal process under this section is not a prerequisite to filing an action for judicial review under the Administrative Procedure Act. (b) Appeals Official. The appeals official must be an individual who has not been previously involved with the proceedings or settlement discussions at issue. (c) Notice of action in effect. The notice of action issued by the Board remains in effect while the appeal is pending. (d) Scheduling of appeal. (1) Upon receipt of the request for an appeal, the appeals official will promptly notify the MAP lender of the time and place of the appeal conference. The appeal conference will be held within 10 business days after receipt of the MAP lender's appeal request, except as provided in paragraph (d)(2) of this section. (2) A MAP lender may request, and the appeals official may agree, to have an appeal conference held more than 10, but not more than 30 business days after the date of the lender's request for an appeal. (e) Scope of appeal. The appeals official may consider information included in the administrative record and any new information presented at the appeal conference that is substantiated in accordance with paragraph (f) of this section. In addition, the appeals official may consider voluntary admissions by the lender or a representative of the lender of any element of the violation charged. (f) Additional documents—(1) Transcript. No transcript of the appeal conference will be made, unless the MAP lender elects to have a transcript made by a certified court reporter at its own expense. If the lender elects to have a transcript made, it must provide three copies of the transcript to the appeals official within five business days after the date of the appeal conference. (2) Other documents. Any additional, relevant documents or written arguments that the MAP lender wishes to present to the appeals official must be presented within five business days after the date of the appeal conference. (g) Determination of appeal. Within 10 business days after the date of the appeal conference or the expiration of the period allowed for the submission of documents and written arguments, whichever is later, the appeals official will make a written determination to confirm, modify, or overturn the Board's decision and notice of action. If the appeals official overturns the Board's decision, the lender shall immediately return to an active status as a MAP lender and the written determination to overturn will be posted on HUD's MAP Web site. The following publications are incorporated by reference in the HUD Minimum Property Standards (MPS) in 24 CFR part 200. The MPS are available for public inspection and can be obtained for appropriate use at 490 L'Enfant Plaza East, Suite 3214, or at each HUD Regional, Area, and Service Office. Copies are available for inspection at the National Archives and Records Administration (NARA). For information on the availability of this material at NARA, call 202–741–6030, or go to: http://www.archives.gov/federal_register/code_of_federal_regulations/ibr_locations.php. The individual standards referenced in the MPS are available at the address contained in the following table. They are also available for public inspection at the HUD, Manufactured Housing and Construction Standards Division, Suite 3214, 490 L'Enfant Plaza East, Washington, DC 20024. Air Conditioning Contractors of America 1513 16th Street, NW., Washington, DC 20036, (202) 483–9370. 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ACI 211.1–89 Standard Practice for Selecting Proportions for Normal, Heavyweight and Mass Concrete ACI 211.2–91 Standard Practice for Selecting Proportions for Structural Lightweight Concrete ACI 213R–87 Guide for Structural Lightweight Aggregate Concrete ACI 301–89 Specifications for Structural Concrete for Buildings ACI 302.1R–80 Guide for Concrete Floor and Slab Construction ACI 304R–89 Guide for Measuring, Mixing, Transporting and Placing Concrete ACI 305R–77 Hot Weather Concreting (Revised 1989) ACI 306R–78 Cold Weather Concreting (Revised 1988) ACI 311.4R–80 Guide for Concrete Inspection (Revised 1988) ACI 315–80 Guide for Detailing of Concrete Reinforcement ACI 318–89 Building Code Requirements for Reinforced Structural Plain Concrete (Revised 1992) ACI 322–72 Structural Plain Concrete ACI 347–78 Recommended Practice for Concrete Formwork (Reapproved 1984) ACI 504R–77 Guide to Joint Sealants for Concrete Structures ACI 506–90 Recommended Practice for Shotcreting ACI 515.1R–79 A Guide to the Use of Waterproofing, Dampproofing, Protective and Decorative Barrier Systems for Concrete (Revised 1985) ACI 533.1R–69 Quality Standards and Tests for Precast Concrete Wall Panels ACI 533.2R–69 Selection and Use of Materials for Precast Concrete Wall Panels ACI 533.3R–70 Fabrication, Handling and Erection of Precast Concrete Wall Panels American Forest & Paper Association, (formerly National Forest Products Association), 1250 Connecticut Ave., NW., Washington, DC 20036. 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ASCE 7–88 Minimum Design Loads for Buildings and Other Structures (Formerly ANSI A58.1) American Society of Mechanical Engineers, 345 E 47th Street, New York, NY 10017. ASME/ANSI A17.1–87 Safety Code for Elevators and Escalators Including the A17.1b-89 Addenda ASME A 112.18.1M89 Plumbing Fixture Fittings American Society for Testing and Materials, 1916 Race Street, Philadelphia, PA 19103, Telephone (215) 299–5400. ASTM C 12–91 Standard Practice for Installing Vitrified Clay Pipe Lines ASTM C 208–72 Insulating Board (Cellulosic Fiber), Structural and Decorative (Reapproved 1982) ASTM C 209–84 Standard Methods of Testing Insulating Board (Cellulosic Fiber), Structural and Decorative ASTM C 216–91c Standard Specification for Facing Brick (Solid Masonry Units Made from Clay or Shale) ASTM C 220–91 Standard Specification for Flat Asbestos-Cement Sheets ASTM C 221–91 Standard Specification for Corrugated Asbestos-Cement Sheets ASTM C 223–91 Standard Specification for Asbestos-Cement Siding ASTM C 509–91 Standard Specification for Elastomeric Cellular Preformed Gasket and Sealing Material ASTM C 516–80 Standard Specification for Vermiculite Loose Fill Thermal Insulation (Reapproved 1985) ASTM C 549–81 Standard Specification for Perlite Loose Fill Insulation (Reapproved 1986) ASTM C 578–92 Standard Specification for Rigid, Cellular Polystyrene Thermal Insulation ASTM C 640–83 Standard Specification for Insulation Board, Thermal (Cork) ASTM C 726–88 Standard Specification for Mineral Fiber and Roof Insulation Board ASTM C 739–91 Standard Specification for Cellulosic Fiber (Wood-Based) Loose-Fill Thermal Insulation ASTM C 754–88 Standard Specification for Installation of Steel Framing Members to Receive Screw-Attached Gypsum ASTM C 834–91 Standard Specification for Latex Sealants ASTM C 841–90 Standard Specification for Installation of Interior Lathing and Furring ASTM C 842–85 Standard Specification for Application of Interior Gypsum Plaster (Reapproved 1990) ASTM C 843–92 Standard Specification for Application of Gypsum Veneer Plaster ASTM C 844–85 Standard Specification for Application of Gypsum Base to Receive Gypsum Veneer Plaster ASTM C 846–76 Standard Practice for Application of Structural Insulating Board (Fiberboard) Sheathing (Reapproved 1982) ASTM C 864–90 Standard Specification for Dense Elastomeric Compression Seal Gaskets, Setting Blocks and Spacers. ASTM C 926–90 Standard Specification for Application of Portland Cement-Based Plaster ASTM C 1036–91 Standard Specification for Flat Glass ASTM D 1037–89 Standard Test Methods for Evaluating the Properties of Wood-Base Fiber and Particle Panel Materials ASTM C 1048–91 Standard Specification for Heat-Treated Flat Glass-Kind HS, Kind FT Coated and Uncoated Glass ASTM D 1557–91 Test Method for Laboratory Compaction Characteristics of Soil Using the Modified Method (56,000 ft-lbf/ft3 (2,700 kN-m/m3)) ASTM D 2316–75 Standard Recommended Practice for Installing Bituminized Fiber Drain and Sewer Pipe (Reapproved 1984) ASTM D 2321–89 Standard Practice for Underground Installation of Thermoplastic Pipe for Sewers and Other Gravity-Flow Applications ASTM D 3656–89 Standard Specifications for Insect Screening and Louver Cloth Woven From Vinyl-Coated Glass Yarns ASTM D 3679–92 Standard Specification for Rigid Poly (Vinyl Chloride) (PVC) Siding ASTM E 72–80 Standard Methods of Conducting Strength Tests of Panels for Building Construction ASTM E 283–91 Standard Test Method for Determining the Rate of Air Leakage Through Exterior Windows, Curtain Walls, and Doors Under Specified Pressure Differences Across the Spectrum ASTM E 330–90 Standard Test Method for Structural Performance of Exterior Windows, Curtain Walls, and Doors by Uniform Static Air Pressure Difference ASTM E 331–86 Standard Test Method for Water Penetration of Exterior Windows, Curtain Walls, and Doors by Uniform Static Air Pressure Difference ASTM E 380–91a Standard Practices for Use of the International Systems of Units (SI) (the Modernized Metric System) American Society of Heating, Refrigerating and Air Conditioning Engineers, 1791 Tullie Circle, NE, Atlanta, GA 30329. ASHRAE Handbook—Fundamentals—1989. ASHRAE Cooling and Heating Load Calculation Manual—GRP 158 1979. ASHRAE Handbook—Equipment—1988. ASHRAE Handbook—HVAC Systems and Applications—1987. American Welding Society, 550 NW Le Jeune Road, P. O. Box 351040, Miami, FL 33126, Telephone (305) 443–9353. ANSI/AWS D1.1–90 Structural Welding Code—Steel. ANSI/AWS D1.4–79 Structural Welding Code-Reinforcing Steel. The Asphalt Institute, Asphalt Institute Building, College Park, MD 20740 Telephone (301) 277–4258. MSI–1–81 Thickness Design—Asphalt Pavements for Highways and Streets Asphalt Roofing Manufacturers Association, 6288 Montrose Road, Rockville, MD 20852, Telephone (301) 231–9050. Residential Asphalt Roofing Manual—1988. Carpet and Rug Institute, 310 Holiday Avenue, Box 2048, Dalton, GA 30722–0048, Telephone (404) 278–3176. How to Specify Commercial Carpet Installation, 1984. Council of American Building Officials, Suite 708, 5203 Leesburg Pike, Falls Church, VA 22041, Telephone (703) 931–4533. CABO One and Two Family Dwelling Code 1992 edition with Errata Package and 1993 Amendments. CABO Model Energy Code 1992 edition CABO/ANSI A117.1–92 Accessible and Usable Buildings and Facilities. Department of Agriculture, Publications Division, 14th and Independence Avenue, SW., Washington, DC 20050, Telephone (202) 447–3957. Agriculture Handbook No. 73, Wood Frame House Construction Home and Garden Bulletin No. 64. Subterranean Termites—Their Prevention and Control in Buildings, October 1983 Home and Garden Bulletin No. 73, Wood Decay in Houses, How to Prevent and Control It, May 1986 Department of Commerce, National Institute of Standards and Technology, Gaithersburg, Maryland 20899, Telephone (301) 975–4025. PS 1–83 Product Standard for Construction and Industrial Plywood with Typical APA Trademarks. PS 2–92 Performance Standard for Wood-Based Structural-Use Panels. Commercial Standards: CS 138–55 Insect Wire Screening CS 242–62 1 Department of Defense, Naval Publication and Forms Center, 5801 Taber Road, Philadelphia, PA 19120, Telephone (215) 697–2179. Federal Specifications: L-S–125B Screening, Insect, Non-metallic Febuary 3, 1972 L-F–001641 Floor Covering Translucent or Transparent Vinyl Surface with Backing—1971 and Amendment 2—September 24, 1982 L-F–00450A Flooring, Vinyl Plastic (GSAFSS)—1970 and Amendment 1, August 5, 1975 L-F–475A Floor Covering Vinyl, Surface Tile and Roll, with Backing including Amendment 2—February 9, 1971 HH-I-521F Insulation Blankets, Thermal (Mineral Fiber—for Ambient Temperatures—1980) HH-I-526C Insulation Board, Thermal (Mineral Fiber)—1968 HH-I-529B Insulation Board, Thermal (Mineral Aggregate)—1971 HH-I-530B Insulation Board, Thermal, Unfaced, Polyurethane or Polyisocyanurate and Interim I—1982 HH-I-551E Insulation Block and Boards, Thermal (Cellular Glass) Fiber, for Ambient Temperatures, 1974 HH-I-558B Insulation Blocks, Boards, Blankets, Felts Sleeving (Pipe and Tube Covering), and Pipe Fitting Covering, Thermal (Mineral Fiber, Insulation Type) and Amendment 3—1976 HH-I-574B Insulation, Thermal (Perlite) and Interim Amendment—1976 HH-I-585C Insulation, Thermal (Vermiculite) and Interim Amendment 1—1976 HH-I-1030B Insulation, Thermal (Mineral Fiber, for Pneumatic or Poured Application)—1980 HH-I-1252B Insulation, Thermal Reflective, (Aluminum Foil) and Interim Amendment 1—1976 HH-I-1972 Insulation Board, Thermal, Faced, Gen; 1, 2, 3, Polyurethane and Polyisocyanurate and 4, 5 & 6 Amendments—1985 LLL-I-535B Insulation Board, Thermal, Cellulosic Fiber, 1977 SS-S-346C Siding (Shingles, Clapboards, and Sheets) 1968 SS-T-312B Tile, Floor: Asphalt, Rubber, Vinyl-Composition and Interim Amendment—1979 Department of Housing and Urban Development, 451 Seventh Street, SW., Mail Room B–133, Washington, DC 20410, Telephone (202) 755–7440. Handbooks: 4940.2–1973 Minimum Design Standards for Community Water Supply Systems 4940.3–1992 Minimum Design Standards for Community Sewerage Systems (Rev. 1–92) 4950.1–1988 Technical Suitability of Products Program, Technical and Processing Procedures (Rev. 2 which includes revisions and changes through October 24, 1991) 4930.2–1989 HUD Intermediate MPS Supplement, Solar Heating & Domestic Hot Water Systems Use of Materials Bulletins: 25d Power Driven, Mechanically Driven and Manually Driven Fasteners—9/5/73 38h Grademarking of Lumber—7/31/79 44c HUD/FHA Standard for Carpet and Carpet Certification Program—2/22/78 (Plus Addendum 1 & 2) 48 Labels of Independent Programs for Certifying Pressure-Treated Lumber and Plywood (Plus 5 Supplements—11/15/67) 52a Quality Certification and Labeling for Wood Flush Doors—10/7/75) 58a Acrylic Plastic Sheets for Glazing—9/2/75 60 Field Glued Plywood & Wood Frame Structural Floor Systems—12/9/70 62a Factory-Applied Laminated Roofing Systems Based on Chlorosulfonated Polyethylene (CPSE)—11/16/72 65 Controlled Density Cellular Concrete Floor Fill—10/11/73 67 Polycarbonate Plastic Sheets for Glazing—9/3/75 70a Particleboard Interior Stair Treads and Certification Program—5/19/82 71 Polystyrene Foam Insulation Sheathing Board—1/10/77 72 HUD Standard for Carpet Cushion—2/6/80 76 Chlorinated Poly (Vinyl Chloride) CPVC and Polybutylene (PB) Hot and Cold Water Distribution—4/25/78 77a Cast Iron Sanitary Drainage System with Hubless Pipe and Fittings—3/28/80 78 Polyethylene (PE), Acrylonitrile-Butadiene-Styrene (ABS), Poly Vinyl Chloride (PVC) and Polybutylene (PB) Plastic Piping for Domestic Cold Water Service—4/25/78 79a Acrylonitrile-Butadiene-Styrene (ABS) and Poly (Vinyl Chloride) (PVC) Plastic Drain, Waste and Vent Pipe and Fittings—3/7/82 80 Spray Applied Cellulosic Thermal Insulation—10/31/79 101 HUD Building Product Standards and Certification Program for Exterior Wall Insulation and Finish Systems, July 26, 1993 Environmental Protection Agency, Office of Drinking Water, 401 M Street, SW., Washington, DC 20460, Telephone (202) 382–5533. EPA 570/9–82–004 Manual of Individual Water Supply (NTIS–PB 85242279) Systems (October 1982) Flat Glass Marketing Association, White Lakes Professional, Building 3310 Harrison Street, Topeka, KS 66611, Telephone (913) 266–7013. FGMA Glazing Manual—1986. FGMA Sealant Manual—1990. Hardwood Plywood Manufacturers Association, P.O. Box 2789, 1825 Michael Faraday Drive, Reston, VA 22090, Telephone (703) 435–2900. ANSI/HPMA LHF–1987 Laminated Hardwood Flooring. Insect Screening Weavers Assn., 2000 Maple Hill Street, P.O. Box 309, Yorktown Heights, NY 10598. IWS–089 Insect Wire Screening (Wire Fabric). National Academy of Sciences, 2101 Constitution Avenue, NW., Washington, DC 20418. Publication 1571 Criteria for Selection and Design of Residential Slabs-on-Ground, Report #33, Building Research Advisory Board (BRAB), 1968. National Association of Home Builders, Research Center, 400 Prince Georges Boulevard, Upper Marlboro, MD 20772, Telephone (301) 249–4000. Insulation Manual, Homes and Apartments—1979. National Association of Plumbing-Heating-Cooling Contractors, P.O. Box 6808, Falls Church, VA 22046, Telephone (703) 237–8100. National Standard Plumbing Code—1993. National Fire Protection Association, Batterymarch Park, Quincy, MA 02269, Telephone 1–800–344–3555. ANSI/NFPA 58–89 Standard for the Storage and Handling of Liquefied Petroleum Gases NFPA 54–88 National Fuel Gas Code (ANSI Z223.1–1988) NFPA 70–93 National Electrical Code National Institute of Building Sciences, 1201 L Street, NW., Washington, DC 20005. Metric Guide for Federal Construction—1992. National Oak Flooring Manufacturers Association, 22 North Front Street, Memphis, TN 38103. Official Grading Rules, Oak, Beech, Birch, Hard Maple, Pecan (OFGR/Vol. 1, No. 1/1986 and the 1989 Addendum). Hardwood Flooring Finishing/Refinishing Manual, 1986. Hardwood Flooring Installation Manual, 1986. National Roofing Contractors Association, One O'Hare Centre, 6250 River Road, Rosemont, IL 60018, Telephone (708) 318–6722. NRCA Roofing and Waterproofing Manual, 1989. National Terrazzo and Mosaic Association, 3166 Des Plaines Avenue, Suite 132, Des Plaines, IL 60018, Telephone (708) 635–7744. NTMA Specifications, Details and Technical Data, “Terrazzo Ideas & Design Guide”, 1990. National Wood Window and Door Association, 205 West Touhy Avenue, Park Ridge, IL 60018, Telephone (708) 299–5200. ANSI/NWWDA IS 1–87 Industry Standard for Wood Flush Doors ANSI/NWWDA IS 2–87 Industry Standard for Wood Windows NWWDA IS 3–88 Industry Standard for Wood Sliding Patio Doors ANSI/NWWDA IS 6–86 Industry Standard for Wood Stile and Rail Doors Post-tensioning Institute, 301 West Osborn, Suite 3500, Phoenix, AZ 85013, Telephone (602) 870–7540. Design and Construction of Post-tensioned Slabs-on-Ground—1980. Prestressed Concrete Institute, 175 West Jackson Boulevard, Suite 1859, Chicago, IL 60604, Telephone (312) 786–0353. PCI MNL 116 Manual for Quality Control for Plants and Production for Precast Prestressed Concrete Products—1985 PCI MNL 117 Manual for Quality Control for Plants and Production of Architectural Precast Concrete Products—1977 Resilient Floor Covering Institute, 966 Hungerford Drive, Suite 12–B, Rockville, MD 20850, Telephone (301) 340–8580. Recommended Installation Specifications for Vinyl Composition, Solid Vinyl and Asphalt Tile Floorings, 1987. Safety Glazing Certification Council, c/o ETL Testing Laboratories, Industrial Park, Route 11, Cortland, New York 13045, Telephone (607) 753–6711. Certified Products Directory—1990. Southern California Association of Cabinet Manufacturers, 1933 South Broadway, L. 39, Los Angeles, CA 90007, Telephone (213) 749–4355. Certified Construction Standards and Specifications, Guide for Uniform Cabinet Specifications—1973 (Revised 1985). Steel Door Institute, 30200 Detroit Road, Cleveland, OH 44145, Telephone (216) 899–0010. ANSI/SDI A123.1–82 Nomenclature for Steel Doors and Steel Door Frames. Tile Council of America, Inc., Box 326, Princeton, NJ 08542–0326, Telephone (609) 921–7050. Handbook for Ceramic Tile Installation—1993. Underwriters Laboratories, 333 Pfingsten Road, Northbrook, IL 60062, Telephone (708) 272–8800. Electrical Appliance and Utilization Equipment Directory, 1992. Water Quality Association, 4151 Naperville Road, Lisle, IL 60532. Telephone (708) 396–1600. WQA S–100 Household Commericial and Portable Exchange Water Softeners—1985 WQA S–200 Household and Commercial Water Filters—1988 WQA S–300 Point-of-Use, Low Pressure Reverse Osmosis Drinking Water Systems—1984 WQA S–400 Point-of-Use Distillation Drinking Water Systems—1986 Wood Moulding and Millwork Producers, P.O. Box 25278, Portland, OR 97225, Telephone (503) 292–9288. WM 3–79 Exterior Wood Door Frames [58 FR 60250, Nov. 15, 1993]
Title 24: Housing and Urban Development
PART 200—INTRODUCTION TO FHA PROGRAMS
Subpart Y—Multifamily Accelerated Processing (MAP): MAP Lender Quality Assurance Enforcement
§ 200.1500 Sanctions against a MAP lender.
§ 200.1505 Warning letter.
§ 200.1510 Probation.
§ 200.1515 Suspension of MAP privileges.
§ 200.1520 Termination of MAP privileges.
§ 200.1525 Settlement agreements.
§ 200.1530 Bases for sanctioning a MAP lender.
§ 200.1535 MAP Lender Review Board.
§ 200.1540 Imminent harm notice of action.
§ 200.1545 Appeals of MAP Lender Review Board decisions.
Appendix A to Part 200—Standards Incorporated by Reference in the Minimum Property Standards for Housing (HUD Handbook 4910.1)
