Your FHA Checklist Still Includes HUD-92900-B. What Should Change?
An FHA file reaches processing, and the checklist still asks for a signed HUD-92900-B, Important Notice to Homebuyers. The form is built into the e-sign packet. There is a reminder task in the loan system. Someone may even have a saved email asking the borrower to send it back.
There is just one problem: FHA no longer requires it.
HUD permanently removed the requirement in June. That sounds like a small housekeeping change, but stale forms rarely live in only one place. If the team deletes the line from one checklist and stops there, the obsolete request can keep resurfacing in templates, lender-specific workflows, and active files.
The right response is not a broad disclosure purge. It is a controlled update: remove the retired form, preserve the requirements that remain, and make sure the same correction reaches every handoff point.
What HUD actually changed
Mortgagee Letter 2026-07, issued June 23, 2026, rescinded the requirement for mortgagees to provide form HUD-92900-B to borrowers and obtain an executed copy. The change was effective immediately and applies to FHA-insured Title II single-family forward mortgage programs.
HUD also made the record-retention point clear: mortgagees are no longer required to obtain or retain the signed form. The letter describes this as a permanent removal, following a waiver issued in November 2025.
For a broker or loan officer, the operational takeaway is straightforward. If a lender’s current FHA instructions no longer call for HUD-92900-B, the form should not remain in the team’s standard borrower package merely because it has always been there.
One removed form does not erase the rest of the disclosure file
This is where an efficient cleanup can turn careless.
The Mortgagee Letter removes one named form. It does not announce that every FHA disclosure, notice, or property-related document around it has disappeared. In fact, the redlined handbook pages attached to the letter leave other requirements in place.
Those include the Informed Consumer Choice Disclosure when applicable, lead-based paint requirements for affected properties, and the separate HUD-92564-CN home-inspection notice. HUD’s current home-inspection form also reinforces an important borrower distinction: an FHA appraisal is not a home inspection.
The safest reading is narrow. Remove HUD-92900-B because HUD expressly retired it. Review every other item against the current lender instructions and the FHA Single Family Housing Policy Handbook 4000.1 before changing it.
Why obsolete requirements keep coming back
Most stale-document problems are not knowledge problems. Someone on the team has heard about the update. The issue is that the old requirement has been copied into several systems over time.
It may be hiding in:
A master FHA intake or submission checklist
A lender-specific overlay sheet
An e-sign or disclosure packet template
An LOS task, milestone, or condition library
A processor’s saved email or borrower-request template
Training notes used for new loan officers or assistants
Fixing only the visible checklist leaves the other versions untouched. The next FHA file can then receive two conflicting instructions: one person says the form is gone, while an automated task still marks it missing.
Use a five-place change-control check
Start with the source, not the template. Save or link the Mortgagee Letter in the team’s policy-update record and note its effective date and affected programs. That gives the change a clear origin instead of turning it into an undocumented office rule.
Then review five places:
Master checklist: Remove the HUD-92900-B line and any instruction to obtain or retain the signed form.
Lender instructions: Confirm how each sponsoring or wholesale lender has implemented the change. A lender’s portal or process may not update on the same day as your internal checklist.
Borrower-facing package: Check e-sign bundles, email templates, document-request lists, and any disclosures assembled outside the lender’s system.
Workflow automation: Search task libraries and milestone rules for the form number, full title, and common shorthand such as “Important Notice.”
Team guidance: Tell the people who touch FHA files what changed—and, just as important, what did not.
This is the same discipline behind EPC’s early file-quality workflow for California brokers: identify the requirement, assign ownership, and make the current next step visible before the file reaches underwriting.
What about an FHA file already in process?
Do not create borrower confusion by improvising mid-file.
If HUD-92900-B has already been delivered or signed, ask the lender how it wants the active file handled. If the lender’s portal still shows a task for the form, verify whether the task is stale, lender-specific, or tied to an older workflow before overriding it. The Mortgagee Letter establishes FHA’s requirement; the sponsoring lender controls its own submission process and should answer questions about its implementation.
A brief file note can prevent the same issue from being debated later: what source was reviewed, who confirmed the lender’s procedure, what template changed, and when the change took effect.
Make the update visible in ARIVE—or the system you already use
In ARIVE, the team can search FHA templates and task sets for both “HUD-92900-B” and “Important Notice to Homebuyers,” then document the update in the workflow notes. If you use another LOS or task platform, run the same search there. ARIVE is recommended, not required.
The platform matters less than consistency. The LO, processor, and anyone covering the file should see the same current requirement. Brokers who want help can use EPC’s assisted ARIVE setup, training, and workflow onboarding to clean up task libraries without rebuilding the process alone.
Is an old form still hiding in your FHA process?
If your disclosure packets, lender checklists, and processing tasks no longer agree, schedule an EPC workflow consultation. We can help you map where requirements enter the file and build a cleaner update process for the team.
This article is for general educational purposes only and is not legal, compliance, underwriting, or FHA policy advice. Requirements and implementation procedures may vary by lender, loan program, file status, and subsequent HUD guidance. Confirm current requirements with the applicable lender and official HUD sources.
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