USDA HB-1-3555 ch09 bootstrap

usda-hb-3555-ch09

Bootstrap for USDA HB-1-3555 ch09 register.

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source:
  type: regulation
  id: usda-hb-3555-ch09
  authority: USDA HB-1-3555 ch09 bootstrap
  description: Bootstrap for USDA HB-1-3555 ch09 register.
  effective_date: '2025-08-05'
obligations:
  - id: usda-hb-3555-ch09-calculate-document-three-incomes
    canonical_id: usda-hb-3555-ch09-calculate-document-three-incomes
    section: USDA HB-1-3555 Ch. 9.1 — Introduction [7 CFR 3555.152]
    description: |
      [LENDERS] must calculate and document annual, adjusted annual,
      and repayment income. The guidance applies to all loans,
      including manually underwritten loans and loans that utilize
      the Agency's automated underwriting system, GUS.
    type: do
    audit_question: For every USDA SFHGLP-guaranteed loan, can [LENDER] evidence that it calculated and documented annual, adjusted annual, and repayment income (regardless of whether the file was GUS-underwritten or manually underwritten)?
    program_review: Does the program ensure annual, adjusted-annual, and repayment income are each calculated and documented on every loan, GUS or manually underwritten?
    file_review: Pull a sample; confirm all three income figures are calculated and documented in the file.
    judgment: false
    feeds: []
    workflow_phase: underwriting
    owner_role: underwriter
    secondary_owner_role: loan_officer
    cadence: per_loan
    consequence: ''
    tags:
      - round-b
      - regulator-direct
      - usda
      - hb-1-3555
      - ch09
      - income-calc
      - promoted
    primary_source:
      tier: 1
      authority: USDA HB-1-3555 Chapter 9.1 — Introduction
      source_class: usda-handbook-hb-1-3555
      source_url: https://www.rd.usda.gov/sites/default/files/3555-1chapter09.pdf
      snapshot_id: f7ae1465abd3b32b
      fetched_at: '2026-05-23T01:50:00Z'
      content_hash: sha256:a48c6d09b99d5d5abf7de3df3c597dc73544ffdb1b0c182213b85ce9a37fa9aa
      paragraph_quote: must calculate and document annual, adjusted annual, and repayment income. The guidance provided applies to all loans, including manually underwritten loans and loans that utilize the Agency’s automated underwriting system, Guaranteed Underwriting System (GUS).
      drafter_attestation: Copied verbatim from USDA HB-1-3555 snapshot f7ae1465abd3b32b (Ch 09) at 2026-05-23. Source PDF retrieved via Wayback Machine.
      quote_healed: true
      effective_date: '2025-08-05'
      effective_date_source: usda-revised-pn
      effective_date_note: Procedure Notice 649
    promoted_at: '2026-05-23T13:45:38+00:00'
    promoted_from: usda-hb-3555-ch09-roundb-v1.yaml
  - id: usda-hb-3555-ch09-certify-under-adjusted-annual-cap
    canonical_id: usda-hb-3555-ch09-certify-under-adjusted-annual-cap
    section: USDA HB-1-3555 Ch. 9.2 — Eligibility Income Overview
    description: |
      [LENDER] must certify that any household that requests a loan
      guarantee does not exceed the adjusted annual income threshold
      for the applicable state and county where the dwelling is
      located.
    type: do
    audit_question: For every USDA SFHGLP-guaranteed loan, can [LENDER] evidence its certification that the household's adjusted annual income does not exceed the moderate-income threshold for the applicable state and county where the dwelling is located?
    program_review: Does the program ensure [LENDER] certifies the household's adjusted annual income does not exceed the moderate-income threshold for the applicable state/county?
    file_review: Pull a sample; confirm the adjusted-annual-income certification against the applicable state/county threshold.
    judgment: false
    feeds: []
    workflow_phase: underwriting
    owner_role: underwriter
    secondary_owner_role: loan_officer
    cadence: per_loan
    consequence: ''
    tags:
      - round-b
      - regulator-direct
      - usda
      - hb-1-3555
      - ch09
      - income-limit
      - eligibility
      - promoted
    primary_source:
      tier: 1
      authority: USDA HB-1-3555 Chapter 9.2 — Eligibility Income Overview
      source_class: usda-handbook-hb-1-3555
      source_url: https://www.rd.usda.gov/sites/default/files/3555-1chapter09.pdf
      snapshot_id: f7ae1465abd3b32b
      fetched_at: '2026-05-23T01:50:00Z'
      content_hash: sha256:a48c6d09b99d5d5abf7de3df3c597dc73544ffdb1b0c182213b85ce9a37fa9aa
      paragraph_quote: lender must certify that any household that requests a loan guarantee does not exceed the adjusted annual income threshold for the applicable state and county where the dwelling is located.
      drafter_attestation: Copied verbatim from USDA HB-1-3555 snapshot f7ae1465abd3b32b (Ch 09) at 2026-05-23. Source PDF retrieved via Wayback Machine.
      quote_healed: true
      effective_date: '2025-08-05'
      effective_date_source: usda-revised-pn
      effective_date_note: Procedure Notice 649
    promoted_at: '2026-05-23T13:45:38+00:00'
    promoted_from: usda-hb-3555-ch09-roundb-v1.yaml
  - id: usda-hb-3555-ch09-accurate-annual-income-calc
    canonical_id: usda-hb-3555-ch09-accurate-annual-income-calc
    section: USDA HB-1-3555 Ch. 9.3.B — Calculation of Annual Income
    description: |
      [LENDERS] are responsible for accurately calculating annual
      household income. The calculation should be logical based on
      the history of income and documentation provided.
    type: do
    audit_question: For every USDA SFHGLP-guaranteed loan, can [LENDER] evidence accurate calculation of annual household income, with a calculation logical based on the history of income and the documentation provided?
    program_review: Do the P&Ps facilitate accurate annual-household-income calculation — a method logical against the income history and documentation provided?
    file_review: Pull a sample and re-derive the annual income; the officer judges whether the calculation is logical and accurate against the income history and documents.
    judgment: true
    feeds: []
    workflow_phase: underwriting
    owner_role: underwriter
    secondary_owner_role: loan_officer
    cadence: per_loan
    consequence: ''
    tags:
      - round-b
      - regulator-direct
      - usda
      - hb-1-3555
      - ch09
      - annual-income
      - promoted
    primary_source:
      tier: 1
      authority: USDA HB-1-3555 Chapter 9.3.B — Calculation of Annual Income
      source_class: usda-handbook-hb-1-3555
      source_url: https://www.rd.usda.gov/sites/default/files/3555-1chapter09.pdf
      snapshot_id: f7ae1465abd3b32b
      fetched_at: '2026-05-23T01:50:00Z'
      content_hash: sha256:a48c6d09b99d5d5abf7de3df3c597dc73544ffdb1b0c182213b85ce9a37fa9aa
      paragraph_quote: Lenders are responsible for accurately calculating annual household income.
      drafter_attestation: Copied verbatim from USDA HB-1-3555 snapshot f7ae1465abd3b32b (Ch 09) at 2026-05-23. Source PDF retrieved via Wayback Machine.
      effective_date: '2025-08-05'
      effective_date_source: usda-revised-pn
      effective_date_note: Procedure Notice 649
    promoted_at: '2026-05-23T13:45:38+00:00'
    promoted_from: usda-hb-3555-ch09-roundb-v1.yaml
_promotion_history:
  - promoted_at: '2026-05-23T13:45:38+00:00'
    candidate_path: obligations\_remediation\_round_b_drafts\usda-hb-3555-ch09-roundb-v1.yaml
    candidates_promoted: 3
    candidates_skipped_existing: 0

Verbatim regulatory text (3)

Verbatim provisions from USDA HB-1-3555 ch09 bootstrap — 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.

USDA HB-1-3555 Ch. 9.1 — Introduction [7 CFR 3555.152]

Effective 2025-08-05 · USDA chapter revision · Procedure Notice 649

must calculate and document annual, adjusted annual, and repayment income. The guidance provided applies to all loans, including manually underwritten loans and loans that utilize the Agency’s automated underwriting system, Guaranteed Underwriting System (GUS).

Source: USDA HB-1-3555 Chapter 9.1 — Introduction · source URL · snapshot f7ae1465abd3b32b

USDA HB-1-3555 Ch. 9.2 — Eligibility Income Overview

Effective 2025-08-05 · USDA chapter revision · Procedure Notice 649

lender must certify that any household that requests a loan guarantee does not exceed the adjusted annual income threshold for the applicable state and county where the dwelling is located.

Source: USDA HB-1-3555 Chapter 9.2 — Eligibility Income Overview · source URL · snapshot f7ae1465abd3b32b

USDA HB-1-3555 Ch. 9.3.B — Calculation of Annual Income

Effective 2025-08-05 · USDA chapter revision · Procedure Notice 649

Lenders are responsible for accurately calculating annual household income.

Source: USDA HB-1-3555 Chapter 9.3.B — Calculation of Annual Income · source URL · snapshot f7ae1465abd3b32b

Did an assistant just answer an USDA question for you? A Procedure Notice replaces chapter text silently. An assistant quoting HB-1-3555 cannot tell you which notice it is working from, or whether a later one moved the rule. This page is the operative text, with its effective date.

Check the answer, or check a whole file. Paste into ChatGPT or Claude:

1. Read https://claudeforcompliance.com/qc/usda-hb-3555-ch09 — the verbatim text of this section with its effective date. Tell me whether the answer you just gave me still matches it. Quote the operative text and its effective date, and flag anything you said that it does not support.

2. Then, if I upload my USDA loan file, fetch https://claudeforcompliance.com/skills/usda-loan-qc/SKILL.md and run a pre-fund QC check against it.

Your loan file never leaves your own AI session. USDA loan QC skill

Operationalizing USDA HB-1-3555 ch09 bootstrap

This is verbatim, source-snapshotted regulator text from the Claude for Compliance open corpus. To turn a rule like this into compliance work product: gap-analyze your policies and procedures (P&Ps) against these requirements to surface stale, conflicting, or missing provisions; operationalize any change with a ready-to-run update kit; and produce audit-ready evidence — every step grounded only in the regulator’s own words, never invented.

To work from the whole rulebook rather than this one page: download the corpus — every register on this site, verbatim, each with its source snapshot and effective date — then follow the methodology. It asks your assistant to answer only from the downloaded text, cite the register id and effective date it used, and tell you when the corpus does not cover something instead of filling the gap from memory. Running it locally also means no one sees which regulations you are looking at.

Source of record: https://claudeforcompliance.com/regs/usda-hb-3555-ch09/ · register usda-hb-3555-ch09 · Claude for Compliance. Free to read and download; see regulatory updates and methodology.