12 CFR §1024.20 — List of homeownership counseling organizations

reg-x-1024-20

Regulation X §1024.20 implements RESPA §2604(c) and Dodd-Frank §1450. Requires [LENDER] to provide every loan applicant with a clear and conspicuous written list of HUD-certified homeownership counseling organizations in the applicant's location not later than three business days after the lender, mortgage broker, or dealer receives an application (or information sufficient to complete an application). The list must be obtained no earlier than 30 days prior to delivery from either the Bureau's website tool or Bureau/HUD-released data. Exemptions: reverse mortgages subject to 12 CFR 1026.33(a) and timeshare-secured loans. The duty may be discharged by the mortgage broker or dealer if they elect to do so, but [LENDER] remains responsible for ensuring the list is delivered.

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source:
  type: regulation
  id: reg-x-1024.20
  authority: 12 CFR §1024.20 — List of homeownership counseling organizations
  description: |
    Regulation X §1024.20 implements RESPA §2604(c) and Dodd-Frank §1450.
    Requires [LENDER] to provide every loan applicant with a clear and
    conspicuous written list of HUD-certified homeownership counseling
    organizations in the applicant's location not later than three
    business days after the lender, mortgage broker, or dealer receives
    an application (or information sufficient to complete an application).
    The list must be obtained no earlier than 30 days prior to delivery
    from either the Bureau's website tool or Bureau/HUD-released data.
    Exemptions: reverse mortgages subject to 12 CFR 1026.33(a) and
    timeshare-secured loans. The duty may be discharged by the mortgage
    broker or dealer if they elect to do so, but [LENDER] remains
    responsible for ensuring the list is delivered.
obligations:
  - id: reg-x-1024.20-a-1-deliver-list-3-business-days
    canonical_id: reg-x-1024.20-a-1-deliver-list-3-business-days
    section: 12 CFR §1024.20(a)(1) — Delivery of homeownership counseling list within 3 business days
    description: |
      Except as otherwise provided in §1024.20, not later than three
      business days after [LENDER], a mortgage broker, or a dealer receives
      an application, or information sufficient to complete an application,
      [LENDER] must provide the loan applicant with a clear and conspicuous
      written list of homeownership counseling organizations that provide
      relevant counseling services in the loan applicant's location. The
      list of homeownership counseling organizations distributed to each
      loan applicant shall be obtained no earlier than 30 days prior to
      the time when the list is provided to the loan applicant from either
      (i) the Web site maintained by the Bureau for lenders to use in
      complying with this section, or (ii) data made available by the Bureau
      or HUD for lenders to use in complying with this section.
    type: do
    audit_question: For every loan application that [LENDER], a mortgage broker, or a dealer received (or for which information sufficient to complete the application was received), can [LENDER] evidence that the written homeownership counseling list was provided to the applicant within 3 business days and that the list was obtained from the Bureau-maintained website tool or Bureau/HUD-released data no earlier than 30 days before delivery?
    program_review: Do the P&Ps ensure the written homeownership counseling list is provided within 3 business days of receiving an application (or information sufficient to complete one), and that the list was pulled from the Bureau tool / Bureau-or-HUD data no earlier than 30 days before delivery?
    file_review: On the application population, confirm 3-business-day delivery and that the list's source-date was within 30 days. Objective timing/presence check.
    judgment: false
    feeds: []
    workflow_phase: application
    owner_role: loan_officer
    secondary_owner_role: compliance_officer
    cadence: per-loan
    consequence: ''
    tags:
      - round-c
      - regulator-direct
      - reg-x
      - homeownership-counselor
      - 3-business-day
      - origination
      - promoted
    primary_source:
      tier: 1
      authority: 12 CFR §1024.20(a)(1)
      source_class: cfpb-regulation
      source_url: https://www.ecfr.gov/current/title-12/chapter-X/part-1024/section-1024.20
      snapshot_id: c5602dacbd4d2a62
      fetched_at: '2026-05-24T19:33:56Z'
      content_hash: sha256:f71722e3e3761cf847082167becabf743d2d02c2857fb9ab6dfe66306edad9e2
      paragraph_quote: 'Except as otherwise provided in this section, not later than three business days after a lender , mortgage broker , or dealer receives an application , or information sufficient to complete an application , the lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant ''s location. The list of homeownership counseling organizations distributed to each loan applicant under this section shall be obtained no earlier than 30 days prior to the time when the list is provided to the loan applicant from either:'
      drafter_attestation: |
        Copied verbatim from snapshot c5602dacbd4d2a62 (content.txt) at
        2026-05-24T19:55Z. Substring is the full §1024.20(a)(1) operative
        headline (delivery deadline + 30-day data-freshness rule). The
        (i)–(ii) data-source sub-items (Bureau website / Bureau-HUD data)
        are paraphrased in the description.
    sub_criteria:
      - id: reg-x-1024.20-a-1-deliver-within-3-business-days
        description: Written counseling list provided to loan applicant within 3 business days of application receipt or receipt of information sufficient to complete the application
        derivation_kind: from-regulatory-text
        cite: 12 CFR §1024.20(a)(1) sentence 1
        evidence_kinds:
          - disclosure_delivery_log
          - email_delivery_confirmation
          - loan_origination_system_disclosure_log
      - id: reg-x-1024.20-a-1-list-30-day-freshness
        description: List obtained from the Bureau-maintained website tool or Bureau/HUD-released data no earlier than 30 days prior to delivery
        derivation_kind: from-regulatory-text
        cite: 12 CFR §1024.20(a)(1) sentence 2
        evidence_kinds:
          - counselor_list_retrieval_timestamp
          - cfpb_hud_counselor_list_export
      - id: reg-x-1024.20-a-1-clear-and-conspicuous-written
        description: List is clear and conspicuous and in writing
        derivation_kind: from-regulatory-text
        cite: 12 CFR §1024.20(a)(1) sentence 1
        evidence_kinds:
          - delivered_counselor_list_document
          - disclosure_layout_review
    promoted_at: '2026-05-24T20:12:15+00:00'
    promoted_from: reg-x-1024.20-roundc-v1.yaml
  - id: reg-x-1024.20-a-3-broker-dealer-substitution
    canonical_id: reg-x-1024.20-a-3-broker-dealer-substitution
    section: 12 CFR §1024.20(a)(3) — Mortgage broker / dealer may discharge the duty; [LENDER] remains responsible
    description: |
      A mortgage broker or dealer may provide the list of homeownership
      counseling organizations required under §1024.20 to any loan applicant
      from whom it receives or for whom it prepares an application. If the
      mortgage broker or dealer has provided the required list, [LENDER] is
      not required to provide an additional list. [LENDER] is responsible
      for ensuring that the list of homeownership counseling organizations
      is provided to a loan applicant in accordance with §1024.20.
    type: do
    audit_question: Where the §1024.20 counseling-list delivery duty was discharged by a mortgage broker or dealer, can [LENDER] evidence that it ensured (e.g., via broker certification, third-party-originator agreement, or LOS audit trail) that the list was in fact provided to the applicant in accordance with §1024.20?
    program_review: Does the program account for broker/dealer substitution — ensuring (via certification, TPO agreement, or LOS audit trail) that the counseling list was in fact provided when a broker/dealer discharged the duty, since [LENDER] remains responsible?
    file_review: Spot-check broker/dealer-originated files for evidence the list was actually provided. Objective presence check of the substitution evidence.
    judgment: false
    feeds: []
    workflow_phase: application
    owner_role: compliance_officer
    secondary_owner_role: loan_officer
    cadence: per-loan
    consequence: ''
    tags:
      - round-c
      - regulator-direct
      - reg-x
      - homeownership-counselor
      - third-party-originator
      - origination
      - promoted
    primary_source:
      tier: 1
      authority: 12 CFR §1024.20(a)(3)
      source_class: cfpb-regulation
      source_url: https://www.ecfr.gov/current/title-12/chapter-X/part-1024/section-1024.20
      snapshot_id: c5602dacbd4d2a62
      fetched_at: '2026-05-24T19:33:56Z'
      content_hash: sha256:f71722e3e3761cf847082167becabf743d2d02c2857fb9ab6dfe66306edad9e2
      paragraph_quote: A mortgage broker or dealer may provide the list of homeownership counseling organizations required under this section to any loan applicant from whom it receives or for whom it prepares an application . If the mortgage broker or dealer has provided the required list of homeownership counseling organizations, the lender is not required to provide an additional list. The lender is responsible for ensuring that the list of homeownership counseling organizations is provided to a loan applicant in accordance with this section.
      drafter_attestation: |
        Copied verbatim from snapshot c5602dacbd4d2a62 (content.txt) at
        2026-05-24T19:55Z. Substring is the full §1024.20(a)(3) paragraph
        (broker/dealer permissive delivery + lender-retains-responsibility
        anchor).
    promoted_at: '2026-05-24T20:12:15+00:00'
    promoted_from: reg-x-1024.20-roundc-v1.yaml
  - id: reg-x-1024.20-a-5-denial-or-withdrawal-exception
    canonical_id: reg-x-1024.20-a-5-denial-or-withdrawal-exception
    section: 12 CFR §1024.20(a)(5) — Denial or withdrawal within 3 business days excuses delivery
    description: |
      [LENDER] is not required to provide the list of homeownership
      counseling organizations required under §1024.20 if, before the end
      of the three-business-day period provided in §1024.20(a)(1), [LENDER]
      denies the application or the loan applicant withdraws the
      application.
    type: do
    audit_question: Where [LENDER] did not deliver the §1024.20 counseling list within 3 business days of application receipt, can [LENDER] produce a record showing the application was denied by [LENDER] or withdrawn by the applicant before the end of that 3-business-day period?
    program_review: Does the program account for the denial/withdrawal exception — excusing counseling-list delivery only where [LENDER] denied or the applicant withdrew before the end of the 3-business-day period?
    file_review: Spot-check files lacking a delivered list for a denial-or-withdrawal record dated before the 3-business-day deadline. Objective timing/presence check.
    judgment: false
    feeds: []
    workflow_phase: application
    owner_role: loan_officer
    secondary_owner_role: compliance_officer
    cadence: per-loan
    consequence: ''
    tags:
      - round-c
      - regulator-direct
      - reg-x
      - homeownership-counselor
      - denial-exception
      - origination
      - promoted
    primary_source:
      tier: 1
      authority: 12 CFR §1024.20(a)(5)
      source_class: cfpb-regulation
      source_url: https://www.ecfr.gov/current/title-12/chapter-X/part-1024/section-1024.20
      snapshot_id: c5602dacbd4d2a62
      fetched_at: '2026-05-24T19:33:56Z'
      content_hash: sha256:f71722e3e3761cf847082167becabf743d2d02c2857fb9ab6dfe66306edad9e2
      paragraph_quote: The lender is not required to provide the list of homeownership counseling organizations required under this section if, before the end of the three-business-day period provided in paragraph (a)(1) of this section, the lender denies the application or the loan applicant withdraws the application .
      drafter_attestation: |
        Copied verbatim from snapshot c5602dacbd4d2a62 (content.txt) at
        2026-05-24T19:55Z. Substring is the full §1024.20(a)(5) denial-or-
        withdrawal carve-out.
    promoted_at: '2026-05-24T20:12:15+00:00'
    promoted_from: reg-x-1024.20-roundc-v1.yaml
  - id: reg-x-1024.20-c-reverse-and-timeshare-exemptions
    canonical_id: reg-x-1024.20-c-reverse-and-timeshare-exemptions
    section: 12 CFR §1024.20(c) — Reverse mortgage and timeshare exemptions
    description: |
      [LENDER] is not required to provide an applicant for a reverse
      mortgage transaction subject to 12 CFR 1026.33(a) the list of
      homeownership counseling organizations required under §1024.20.
      [LENDER] is also not required to provide an applicant for a mortgage
      loan secured by a timeshare, as described under 11 U.S.C. 101(53D),
      the list of homeownership counseling organizations required under
      §1024.20.
    type: do
    audit_question: For applications coded as reverse mortgages under 12 CFR 1026.33(a) or as timeshare-secured loans under 11 U.S.C. 101(53D), can [LENDER] evidence the basis (transaction-type flag, loan-purpose flag, security-interest record) for relying on the §1024.20(c) exemption from the counseling-list delivery duty?
    program_review: Does the program account for the reverse-mortgage (1026.33(a)) and timeshare (11 U.S.C. 101(53D)) exemptions from the counseling-list duty, keyed off the transaction-type / loan-purpose / security-interest record?
    file_review: Spot-check exempted applications for the basis (transaction-type, loan-purpose, or security-interest flag). Objective basis-presence check.
    judgment: false
    feeds: []
    workflow_phase: application
    owner_role: compliance_officer
    secondary_owner_role: loan_officer
    cadence: per-loan
    consequence: ''
    tags:
      - round-c
      - regulator-direct
      - reg-x
      - homeownership-counselor
      - exemption
      - origination
      - promoted
    primary_source:
      tier: 1
      authority: 12 CFR §1024.20(c)
      source_class: cfpb-regulation
      source_url: https://www.ecfr.gov/current/title-12/chapter-X/part-1024/section-1024.20
      snapshot_id: c5602dacbd4d2a62
      fetched_at: '2026-05-24T19:33:56Z'
      content_hash: sha256:f71722e3e3761cf847082167becabf743d2d02c2857fb9ab6dfe66306edad9e2
      paragraph_quote: Exemptions —(1) Reverse mortgage transactions. A lender is not required to provide an applicant for a reverse mortgage transaction subject to 12 CFR 1026.33 (a) the list of homeownership counseling organizations required under this section.
      drafter_attestation: |
        Copied verbatim from snapshot c5602dacbd4d2a62 (content.txt) at
        2026-05-24T19:55Z. Substring is the §1024.20(c)(1) reverse-mortgage
        exemption headline; the (c)(2) timeshare exemption is paraphrased
        into the description.
    promoted_at: '2026-05-24T20:12:15+00:00'
    promoted_from: reg-x-1024.20-roundc-v1.yaml
  - id: reg-x-1024.20-a-1-deliver-list-3-business-days-enumerated-items
    canonical_id: reg-x-1024.20-a-1-deliver-list-3-business-days-enumerated-items
    section: 12 CFR §1024.20(a)(1) — Delivery of homeownership counseling list within 3 business days — enumerated items (chapeau recall fix)
    description: The enumerated provisions following the chapeau of 12 CFR §1024.20(a)(1) — Delivery of homeownership counseling list within 3 business days, dropped by the original extraction and restored verbatim from the snapshot.
    type: do
    audit_question: ''
    program_review: ''
    file_review: ''
    judgment: false
    feeds: []
    workflow_phase: ''
    owner_role: ''
    secondary_owner_role: ''
    cadence: ''
    consequence: ''
    tags:
      - chapeau-recall
      - regulator-direct
      - promoted
    primary_source:
      tier: 1
      authority: 12 CFR §1024.20(a)(1)
      source_class: cfpb-regulation
      source_url: https://www.ecfr.gov/current/title-12/chapter-X/part-1024/section-1024.20
      snapshot_id: c5602dacbd4d2a62
      fetched_at: '2026-05-24T19:33:56Z'
      content_hash: sha256:f71722e3e3761cf847082167becabf743d2d02c2857fb9ab6dfe66306edad9e2
      paragraph_quote: (i) The Web site maintained by the Bureau for lenders to use in complying with the requirements of this section; or (ii) Data made available by the Bureau or HUD for lenders to use in complying with the requirements of this section, provided that the data is used in accordance with instructions provided with the data.
      drafter_attestation: Captured verbatim (whitespace-normalized) from snapshot c5602dacbd4d2a62 as the enumerated list immediately following the chapeau 'vided to the loan applicant from either:'. List boundary captured conservatively — REVIEW the end boundary before promote.
    promoted_at: '2026-06-16T19:35:53+00:00'
    promoted_from: reg-x-1024.20-chapeau-recall-v1.yaml
    source_provenance:
      source_id: reg-x-1024.20
      fetched_at: '2026-05-24T19:33:56Z'
      content_hash: sha256:f71722e3e3761cf847082167becabf743d2d02c2857fb9ab6dfe66306edad9e2
_promotion_history:
  - promoted_at: '2026-05-24T20:12:15+00:00'
    candidate_path: obligations\_remediation\round-c-type-a\reg-x-1024.20-roundc-v1.yaml
    candidates_promoted: 4
    candidates_skipped_existing: 0
  - promoted_at: '2026-06-16T19:35:53+00:00'
    candidate_path: C:\Users\earlc\broker-tools\obligations\_remediation\chapeau-recall\reg-x-1024.20-chapeau-recall-v1.yaml
    candidates_promoted: 1
    candidates_skipped_existing: 0
  - promoted_at: '2026-06-16T19:38:25+00:00'
    candidate_path: C:\Users\earlc\broker-tools\obligations\_remediation\chapeau-recall\reg-x-1024.20-chapeau-recall-v1.yaml
    candidates_promoted: 0
    candidates_skipped_existing: 1
  - promoted_at: '2026-06-16T19:39:13+00:00'
    candidate_path: C:\Users\earlc\broker-tools\obligations\_remediation\chapeau-recall\reg-x-1024.20-chapeau-recall-v1.yaml
    candidates_promoted: 0
    candidates_skipped_existing: 1

Verbatim regulatory text (5)

Verbatim provisions from 12 CFR §1024.20 — List of homeownership counseling organizations — each quote is a verified substring of the regulator-published source snapshot, not retyped. Quoted for reference; this is not legal advice. The operational layer (P&P updates, prompts) lives in the regulation update kits.

12 CFR §1024.20(a)(1) — Delivery of homeownership counseling list within 3 business days

Except as otherwise provided in this section, not later than three business days after a lender , mortgage broker , or dealer receives an application , or information sufficient to complete an application , the lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant 's location. The list of homeownership counseling organizations distributed to each loan applicant under this section shall be obtained no earlier than 30 days prior to the time when the list is provided to the loan applicant from either:

Source: 12 CFR §1024.20(a)(1) · source URL · snapshot c5602dacbd4d2a62

12 CFR §1024.20(a)(3) — Mortgage broker / dealer may discharge the duty; [LENDER] remains responsible

A mortgage broker or dealer may provide the list of homeownership counseling organizations required under this section to any loan applicant from whom it receives or for whom it prepares an application . If the mortgage broker or dealer has provided the required list of homeownership counseling organizations, the lender is not required to provide an additional list. The lender is responsible for ensuring that the list of homeownership counseling organizations is provided to a loan applicant in accordance with this section.

Source: 12 CFR §1024.20(a)(3) · source URL · snapshot c5602dacbd4d2a62

12 CFR §1024.20(a)(5) — Denial or withdrawal within 3 business days excuses delivery

The lender is not required to provide the list of homeownership counseling organizations required under this section if, before the end of the three-business-day period provided in paragraph (a)(1) of this section, the lender denies the application or the loan applicant withdraws the application .

Source: 12 CFR §1024.20(a)(5) · source URL · snapshot c5602dacbd4d2a62

12 CFR §1024.20(c) — Reverse mortgage and timeshare exemptions

Exemptions —(1) Reverse mortgage transactions. A lender is not required to provide an applicant for a reverse mortgage transaction subject to 12 CFR 1026.33 (a) the list of homeownership counseling organizations required under this section.

Source: 12 CFR §1024.20(c) · source URL · snapshot c5602dacbd4d2a62

12 CFR §1024.20(a)(1) — Delivery of homeownership counseling list within 3 business days — enumerated items (chapeau recall fix)

(i) The Web site maintained by the Bureau for lenders to use in complying with the requirements of this section; or (ii) Data made available by the Bureau or HUD for lenders to use in complying with the requirements of this section, provided that the data is used in accordance with instructions provided with the data.

Source: 12 CFR §1024.20(a)(1) · source URL · snapshot c5602dacbd4d2a62