FHA Single Family Housing Policy Handbook 4000.1, II. ORIGINATION THROUGH POST-CLOSING/ENDORSEMENT > F. Appraiser and Property Requirements for Title I Loans > 10. Data Plate — c. Required Analysis and Reporting

(C) Nondiscrimination Policy Mortgagees must comply with all antidiscrimination laws, rules, and requirements applicable to servicing performing FHA-insured Mortgages and FHA-insured Mortgages in Default, including full compliance with the applicable requirements of: • the Fair Housing Act, 42 U.S.C. §§ 3601–3619; • the Fair Credit Reporting Act (FCRA), 15 U.S.C. §§ 1681a‒1681x; and • the Equal Credit Opportunity Act (ECOA), 15 U.S.C. §§ 1691a‒1691f. The Mortgagee must make all determinations with respect to the adequacy of the Borrower’s income in a uniform manner that does not discriminate because of the race, color, religion, sex, age, national origin, familial status, disability, marital status, receipt of public assistance, because an applicant has in good faith exercised any right under the Consumer Credit Protection Act, or location of the Property. b. Responsibility for Servicing Actions (10/01/2025) Mortgage Holders are responsible for all servicing actions, including the acts of its Servicers. Servicers are responsible for their actions in servicing FHA-insured Mortgages, Partial Claim Subordinate Mortgages, and Payment Supplement Subordinate Mortgages. The Servicer is also responsible for actions taken at the direction, or on behalf, of the Mortgage Holder. The costs associated with subservicing may not be imposed on the Borrower or passed along to HUD in a claim for mortgage insurance benefits.

i. Responsibility during Transfers of Servicing Rights (A) Definitions The Transferor Servicing Mortgagee is the Mortgage Servicer that transfers servicing responsibilities. The Transferee Servicing Mortgagee is the Mortgage Servicer to which the servicing responsibilities have been transferred. The Transfer Date is the date on which the Borrower’s Mortgage Payment is first due to the Transferee Servicing Mortgagee. (B) Standard The Transferor Servicing Mortgagee remains responsible for the servicing of an FHA-insured Mortgage, any Payment Supplement(s), and any Partial Claim(s) before the Partial Claim documents have been recorded and delivered to HUD until the Transfer Date. The Transferor Servicing Mortgagee: • must verify that the change of legal rights to service has been reported accurately; and • may transfer the Borrower’s language preference to the Transferee Servicing Mortgagee. On the Transfer Date, the Transferee Servicing Mortgagee assumes responsibility for: • all servicing actions, including: o ensuring resolution of any servicing errors that were, and remain, the responsibility of the Transferor Servicing Mortgagee; o where applicable, reporting the Delinquency/Default Status (DDS) Codes in HUD’s Single Family Default Monitoring System (SFDMS); • obtaining the complete mortgage file, including origination and servicing records; • all servicing actions associated with any Partial Claim(s) and Payment Supplement(s), as required; and • ensuring that the original Mortgages, mortgage Notes, or deeds of trust are preserved. The Transferee Servicing Mortgagee must also ensure transfer of any outstanding Payment Supplement Account and associated servicing records. Where applicable, on the Transfer Date, the Transferee Servicing Mortgagee assumes responsibility for: • all servicing actions associated with the Payment Supplement, including but not limited to: • accounting of funds held in the Payment Supplement Account related to a Borrower’s Payment Supplement; and • administration of the Borrower’s Payment Supplement; • obtaining the complete files relating to the Payment Supplement; and • obtaining any outstanding funds in the Payment Supplement Account. (C) Required Documentation The Transferor Servicing Mortgagee must report the Transfer Date and update the mortgage record in FHA Connection (FHAC) or by Electronic Data Interchange (EDI) or Business to Government (B2G) within 15 Days of the Transfer Date.

ii. Responsibility for Servicing when the Mortgage is Sold (A) Definition A Mortgage Sale is a transaction in which a Mortgage Holder sells the Mortgage to another FHA-approved Mortgagee. The Selling Mortgage Holder or Selling Mortgagee is the Mortgagee that sells the Mortgage and thereby relinquishes all rights and obligations under the contract for mortgage insurance. The Purchasing Mortgage Holder or Purchasing Mortgagee is the Mortgagee that purchases the Mortgage and thereby succeeds to all rights and obligations of the Selling Mortgage Holder under the contract for mortgage insurance. (B) Standard The Selling Mortgage Holder relinquishes all rights and obligations under the contract for mortgage insurance on the effective date of the sale. The Selling Mortgage Holder remains responsible for Mortgage Insurance Premiums (MIP) until notice of the sale is received by HUD via FHAC, EDI, or B2G. As of the effective date of the sale, the Purchasing Mortgage Holder becomes responsible for outstanding MIP obligations, regardless of the date of accrual, and must confirm that the details of the Mortgage Sale have been reported accurately. (C) Required Documentation The Selling Mortgage Holder must report the effective date of the Mortgage Sale as the Transfer Date and update the mortgage record in FHAC or by EDI or B2G within 15 Days of the date of the Mortgage Sale.