Rule2025-23884
Strengthening the Section 184 Indian Housing Loan Guarantee Program; Extension of Compliance Date
Primary source
Metadata and text below are from the Federal Register, a public-domain U.S. government work. Always verify the official published version before relying on it for any legal matter.
Published
December 29, 2025
Issuing agencies
Housing and Urban Development Department
Abstract
This document indefinitely delays the compliance date for HUD's final rule entitled "Strengthening the Section 184 Indian Housing Loan Guarantee Program" published on March 20, 2024 until HUD completes necessary updates to the handbook, which will provide necessary guidance for implementing the final rule.
Full Text
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<title>Federal Register, Volume 90 Issue 245 (Monday, December 29, 2025)</title>
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[Federal Register Volume 90, Number 245 (Monday, December 29, 2025)]
[Rules and Regulations]
[Pages 60569-60570]
From the Federal Register Online via the Government Publishing Office [<a href="http://www.gpo.gov">www.gpo.gov</a>]
[FR Doc No: 2025-23884]
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DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT
24 CFR Parts 58 and 1005
[Docket No. FR-5593-N-06]
RIN 2577-AD25
Strengthening the Section 184 Indian Housing Loan Guarantee
Program; Extension of Compliance Date
AGENCY: Office of the Assistant Secretary for Public and Indian
Housing, HUD.
ACTION: Final rule; extension of compliance date.
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SUMMARY: This document indefinitely delays the compliance date for
HUD's final rule entitled ``Strengthening the Section 184 Indian
Housing Loan Guarantee Program'' published on March 20, 2024 until HUD
completes necessary updates to the handbook, which will provide
necessary guidance for implementing the final rule.
DATES: The compliance date announced on January 17, 2025, at 90 FR
5604, is indefinitely delayed. HUD will publish a document in the
Federal Register announcing a new compliance date.
FOR FURTHER INFORMATION CONTACT: Chung-Yiu ``Andrew'' Lee, Senior
Native American Policy Advisor, Office of Loan Guarantee, Office of
Native American Programs, Office of Public and Indian Housing,
Department of Housing and Urban Development, 451 7th Street SW, Room
4108, Washington, DC 20410; email at <a href="/cdn-cgi/l/email-protection#f7a49294839e9899c6cfc394989a9a92998384b79f8293d9909881"><span class="__cf_email__" data-cfemail="53003630273a3c3d626b67303c3e3e363d2720133b26377d343c25">[email protected]</span></a> or
telephone number 202-402-6190 (this is not a toll-free number). HUD
welcomes and is prepared to receive calls from individuals who are deaf
or hard of hearing, as well as individuals with speech or communication
disabilities. To learn more about how to make an accessible telephone
call, please visit <a href="https://www.fcc.gov/consumers/guides/telecommunications-relay-service-trs">https://www.fcc.gov/consumers/guides/telecommunications-relay-service-trs</a>.
SUPPLEMENTARY INFORMATION:
I. Background
On March 20, 2024, HUD published the final rule (89 FR 20032),
which amended the regulations to the Section 184 Indian Housing Loan
Guarantee Program (Section 184 Program). Since its inception, the
Section 184 Program has experienced an increase in demand. As a result,
the final rule updated program regulations to minimize potential risk
and increase program participation by financial institutions, and added
eligibility and participation requirements for Lender Applicants,
[[Page 60570]]
Direct Guarantee Lenders, Non-Direct Guarantee Lenders, Holders and
Servicers and other Section 184 Program participants. The final rule
also clarified the rules governing Tribal participation in the program,
established underwriting requirements, specifies rules on the closing
and endorsement process, established stronger and clearer servicing
requirements, established program rules governing claims submitted by
servicers and paid by HUD, and added standards governing monitoring,
reporting, sanctions, and appeals. Lastly, the final rule added new
definitions and makes statutory conforming amendments, including the
categorical exclusion of the Section 184 Program in HUD's environmental
review regulations.
On June 14, 2024, HUD published a document in the Federal Register
(89 FR 50523) announcing that the final rule's effective date would be
delayed from June 18, 2024, to December 31, 2024, with a compliance
date of March 1, 2025. Subsequently, HUD published an additional
document in Federal Register (90 FR 5604) extending the compliance date
for the final rule from March 1, 2025, to December 31, 2025.
II. Delay of Compliance Date
HUD is currently drafting a handbook to implement the final rule.
The handbook will provide comprehensive guidance and clarification for
all stakeholders to fully understand and implement the final rule.
Given the size of the handbook, its accompanying forms, level of
additional consultation with stakeholders needed to complete the
handbook, and intensive training on key components of the new handbook
that must be given to stakeholders, HUD has determined that it needs
additional time before enforcing the final rule. Further, HUD has heard
from Tribes, lenders, servicers, and other participants that additional
time is needed after the publication of the handbook for these
stakeholders to conform their policies, procedures, and systems to
comply with the handbook and the final rule.
As a result of these factors, HUD is therefore indefinitely
delaying the compliance date of the final rule. When HUD completes
updates to the handbook, HUD will publish an additional Federal
Register notice announcing a new compliance date for the final rule.
This future notice will provide a reasonable time for implementation
before requiring compliance, of at least 30 and up to 90 days after the
publication of the notice.
Benjamin Hobbs,
Principal Deputy Assistant Secretary for Public and Indian Housing.
[FR Doc. 2025-23884 Filed 12-23-25; 8:45 am]
BILLING CODE 4210-67-P
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