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<REGINFO_RIN_DATA xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" RUN_DATE="2026-06-09-04:00" xsi:noNamespaceSchemaLocation="https://www.reginfo.gov/public/xml/REGINFO_XML_Ver10262011.xsd">
    <RIN_INFO>
        <RIN>2502-AJ03</RIN>
        <PUBLICATION>
            <PUBLICATION_ID>201110</PUBLICATION_ID>
            <PUBLICATION_TITLE>The Regulatory Plan and the Unified Agenda of Federal Regulatory and Deregulatory Actions</PUBLICATION_TITLE>
        </PUBLICATION>
        <AGENCY>
            <CODE>2502</CODE>
            <NAME>Office of Housing</NAME>
            <ACRONYM>OH</ACRONYM>
        </AGENCY>
        <PARENT_AGENCY>
            <CODE>2500</CODE>
            <NAME>Department of Housing and Urban Development</NAME>
            <ACRONYM>HUD</ACRONYM>
        </PARENT_AGENCY>
        <RULE_TITLE>FHA Single Family Mortgage Insurance: Removal of the Inspector Roster and 10-Year Protection Plan Requirements for High Loan-to-Value Ratio Mortgages (FR-5457-P-01)</RULE_TITLE>
        <ABSTRACT><![CDATA[This proposed rule would streamline the inspection and home warranty requirements for FHA single-family mortgage insurance.  First, HUD proposes to remove the regulations for the FHA Inspector Roster (Roster).  The Roster is a list of inspectors selected by FHA as eligible to determine if the construction quality of a one- to four-unit property is acceptable as security for an FHA-insured loan.  HUD's regulations currently require the use of an inspector from the Roster as a condition for FHA mortgage insurance.  HUD's proposal to remove the Roster regulations is based on the recognition of the sufficiency and quality of inspections carried out by local jurisdictions.  Second, this proposed rule would also remove the regulations requiring 10-year protection plans required in order to qualify for high loan-to-value (LTV) FHA-insured mortgages as a condition of closing for newly constructed single-family homes.  The Housing and Economic Recovery Act of 2008 removed the statutory requirement for a warranty plan and other special requirements for high LTV.  High LTV mortgages would now be governed solely by the inspection requirements proposed in this rule because the proposed inspection requirements would apply to all new construction, regardless of LTV ratio.]]></ABSTRACT>
        <PRIORITY_CATEGORY>Other Significant</PRIORITY_CATEGORY>
        <RIN_STATUS>First Time Published in The Unified Agenda</RIN_STATUS>
        <RULE_STAGE>Proposed Rule Stage</RULE_STAGE>
        <MAJOR>No</MAJOR>
        <UNFUNDED_MANDATE_LIST>
            <UNFUNDED_MANDATE>No</UNFUNDED_MANDATE>
        </UNFUNDED_MANDATE_LIST>
        <CFR_LIST>
            <CFR>24 CFR 200, 203</CFR>
        </CFR_LIST>
        <LEGAL_AUTHORITY_LIST>
            <LEGAL_AUTHORITY>12 USC 1702-1715z-21</LEGAL_AUTHORITY>
            <LEGAL_AUTHORITY>42 USC 3535(d)</LEGAL_AUTHORITY>
        </LEGAL_AUTHORITY_LIST>
        <LEGAL_DLINE_LIST/>
        <RPLAN_ENTRY>No</RPLAN_ENTRY>
        <TIMETABLE_LIST>
            <TIMETABLE>
                <TTBL_ACTION>NPRM</TTBL_ACTION>
                <TTBL_DATE>02/00/2012</TTBL_DATE>
            </TIMETABLE>
        </TIMETABLE_LIST>
        <ADDITIONAL_INFO>Includes Retrospective Review under Executive Order 13563.</ADDITIONAL_INFO>
        <RFA_REQUIRED>No</RFA_REQUIRED>
        <SMALL_ENTITY_LIST>
            <SMALL_ENTITY>No</SMALL_ENTITY>
        </SMALL_ENTITY_LIST>
        <GOVT_LEVEL_LIST>
            <GOVT_LEVEL>None</GOVT_LEVEL>
        </GOVT_LEVEL_LIST>
        <FEDERALISM>No</FEDERALISM>
        <ENERGY_AFFECTED>No</ENERGY_AFFECTED>
        <PRINT_PAPER>No</PRINT_PAPER>
        <INTERNATIONAL_INTEREST>No</INTERNATIONAL_INTEREST>
        <AGENCY_CONTACT_LIST>
            <CONTACT>
                <FIRST_NAME>Patricia</FIRST_NAME>
                <LAST_NAME>McClung</LAST_NAME>
                <MIDDLE_NAME>J.</MIDDLE_NAME>
                <TITLE>Acting Office of Single Family Programs, Office of Housing</TITLE>
                <AGENCY>
                    <CODE>2502</CODE>
                    <NAME>Office of Housing</NAME>
                    <ACRONYM>OH</ACRONYM>
                </AGENCY>
                <PHONE>202 708-2121</PHONE>
                <MAILING_ADDRESS>
                    <STREET_ADDRESS>451 7th Street SW.,</STREET_ADDRESS>
                    <CITY>Washington</CITY>
                    <STATE>DC</STATE>
                    <ZIP>20410</ZIP>
                </MAILING_ADDRESS>
            </CONTACT>
        </AGENCY_CONTACT_LIST>
    </RIN_INFO>
</REGINFO_RIN_DATA>
