Privacy Act of 1974; Matching Program

Issuing agencies

Abstract

In accordance with the Privacy Act of 1974, as amended, the Department of Housing and Urban Development (HUD) and the Social Security Administration (SSA) are providing notice of a new computer matching program. Under this program, SSA will disclose Social Security Number (SSN) verifications to the Federal Housing Administration (FHA) through HUD to verify Borrowers' eligibility to participate in FHA's Single Family mortgage insurance programs. The matching program will enable HUD to verify Social Security numbers and related identifying information submitted by individuals applying for FHA-insured mortgage programs.

Full Text

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<title>Federal Register, Volume 91 Issue 211 (Tuesday, November 3, 2026)</title>
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[Federal Register Volume 91, Number 211 (Tuesday, November 3, 2026)]
[Notices]
[Pages 69268-69269]
From the Federal Register Online via the Government Publishing Office [<a href="http://www.gpo.gov">www.gpo.gov</a>]
[FR Doc No: 2026-22357]


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DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT

[Docket No. FR-7106-N-40]


Privacy Act of 1974; Matching Program

AGENCY: Office of Single-Family Program Development, HUD.

ACTION: Notice of a new matching program.

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SUMMARY: In accordance with the Privacy Act of 1974, as amended, the 
Department of Housing and Urban Development (HUD) and the Social 
Security Administration (SSA) are providing notice of a new computer 
matching program. Under this program, SSA will disclose Social Security 
Number (SSN) verifications to the Federal Housing Administration (FHA) 
through HUD to verify Borrowers' eligibility to participate in FHA's 
Single Family mortgage insurance programs. The matching program will 
enable HUD to verify Social Security numbers and related identifying 
information submitted by individuals applying for FHA-insured mortgage 
programs.

DATES: Comment date: The deadline to submit comments on the proposed 
matching program is no later than December 3, 2026. Applicability date: 
The matching program will be applicable on December 3, 2026. The 
matching program will be in effect for a period of 18 months.

ADDRESSES: You may submit comments by any one of three methods--
internet, fax, or mail. Do not submit the same comments multiple times 
or by more than one method. Regardless of which method you choose, 
please state that your comments refer to Docket No. FR-7106-N-40 so 
that we may associate your comments with the correct regulation.
    CAUTION: You should be careful to include in your comments only 
information that you wish to make publicly available. We strongly urge 
you not to include in your comments any personal information, such as 
Social Security numbers or medical information.
    1. Electronically. Interested persons are invited to submit 
comments electronically to <a href="http://www.regulations.gov">http://www.regulations.gov</a>. Commenters 
should follow the instructions provided on the website to submit 
comments regarding this matching program. To locate the appropriate 
notice, commenters may search <a href="http://Regulations.gov">Regulations.gov</a> using the title of this 
Matching Notice, the participating agency names, or by viewing recently 
posted HUD dockets and documents.

[[Page 69269]]

    2. By Regular Mail. You may mail written comments to the following 
address: U.S. Department of Housing and Urban Development, Office of 
Single-Family Program Development, Home Mortgage Insurance Division, 
451 7th Street SW, Washington, DC 20410.
    Comments are also available for public viewing on the Federal 
eRulemaking portal at <a href="https://www.regulations.gov">https://www.regulations.gov</a> or in person during 
regular business hours by arranging with the contact person identified 
below.

FOR FURTHER INFORMATION CONTACT: Interested parties may submit general 
questions about the matching program to Brian Faux, Director, Office of 
Single-Family Program Development, Department of Housing and Urban 
Development 451 7th Street SW, Washington, DC 20410; telephone: (202) 
674-9348; email: <a href="/cdn-cgi/l/email-protection#5f1d2d363e3171193e2a271f372a3b71383029"><span class="__cf_email__" data-cfemail="8ac8f8e3ebe4a4ccebfff2cae2ffeea4ede5fc">[email&#160;protected]</span></a>.

SUPPLEMENTARY INFORMATION: The matching program will be conducted 
between HUD's Single-Family Mortgage Insurance Origination System 
(SFMIOS), specifically the Computerized Homes Underwriting Management 
System (CHUMS) component, and SSA's Master Files of SSN Holders and SSN 
Applications, referred to as the Enumeration Verification System (EVS). 
HUD will transmit Borrower identifying information from CHUMS to SSA 
for verification in connection with FHA Single-Family mortgage 
insurance programs.

Participating Agencies

    SSA, as the source agency, and HUD, as the recipient agency.

Authority for Conducting The Matching Program

    The statutory authorities for the matching program include Title I, 
Section 2 of the National Housing Act (12 U.S.C. 1703), Section 203 of 
the National Housing Act (12 U.S.C. 1709), Section 255 of the National 
Housing Act (12 U.S.C. 1715z-20), 31 U.S.C. 7701, 42 U.S.C. 3543, 
Section 1106 of the Social Security Act (42 U.S.C. 1306), and Section 
7213 of the Intelligence Reform and Terrorism Prevention Act of 2004, 
Pub. L. 108-458.

Purpose(s)

    This agreement sets out the terms, safeguards, and procedures under 
which SSA, as the source agency, will disclose SSN verifications to 
FHA, through the HUD, to verify Borrowers' eligibility to participate 
in FHA's Single-Family mortgage insurance programs. The matching 
program supports the accuracy and reliability of borrower information 
used in eligibility determinations.

Categories of Individuals

    Individuals applying for mortgage loan insurance issued to FHA-
approved lenders under HUD's Single-Family mortgage insurance programs. 
This includes Borrowers, Non-Borrowing Spouses, and other individuals 
listed on the mortgage application whose information must be verified 
for eligibility.

Categories of Records

    Records involved in this matching program include Borrower 
identifying information submitted by HUD to SSA for verification 
through SSA's Enumeration Verification System (EVS). HUD will submit 
the following data elements for each Borrower who has provided written 
consent through Form HUD-92900-A, HUD Addendum to the Uniform 
Residential Loan Application: first name, last name, Social Security 
Number (SSN), and date of birth.
    SSA will compare the submitted information against SSA records and 
return a verification response to HUD. The SSA response will include a 
match/no-match response code, and in the case of a no-match response, 
the applicable response code and explanatory information. SSA may also 
provide a response code indicating that a death record was found, when 
applicable.
    The information exchanged under this matching program will be used 
by HUD to support verification of borrower identifying information in 
connection with FHA Single-Family mortgage insurance programs.

System(s) of Records

    SSA's system of records for disclosure under this Agreement is the 
Master Files of SSN Holders and SSN Applications (referred to as the 
Enumeration System), 60-0058, last fully published at 90 FR 10025 
(February 20, 2025) and updated at 90 FR 50879 (December 12, 2025), 
which maintains records about each individual who has applied for and 
obtained a SSN. HUD's system of records for disclosures under this 
Agreement is the Single-Family Mortgage Insurance Origination System, 
HUD/HSNG.03, last fully published at 90 FR 36173 (August 1, 2025) and 
modified at 91 FR 17290 (April 6, 2026). HUD/HSNG.03 covers three 
integrated systems: FHA Connection (FHAC), Computerized Homes 
Underwriting Management System (CHUMS), and Loan Application Management 
System (LAMS) and will be used to match data transferred from SSA's 
Enumeration Verification System (60-0058) to HUD.
    The routine uses of HUD/HSNG-03 permit the disclosures needed to 
conduct this matching program. Specifically, Routine Use L permits 
disclosure to the Social Security Administration through a computer 
matching program to verify the eligibility of applicants and 
participants in FHA's housing finance programs.

Priscilla W. Clark,
Senior Agency Official for Privacy, Office of Administration.
[FR Doc. 2026-22357 Filed 11-2-26; 8:45 am]
BILLING CODE 4210-67-P


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