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Read the evidence with its boundaries. These are saved research components, including revisions. A scoped coordinator review checks selected evidence; it does not certify every claim, a complete jurisdiction, current law or individual applicability. Dates and access limits remain attached to the records.
The selected rules establish program qualifications and procedures; they do not make HUD approval or counselor certification a warranty, endorsement, professional license, funding award, or finding about service quality. Section 214.100(a) expressly limits the meaning of approval and certification. The framework also distinguishes direct agency approval, participation through a network, individual counselor certification, and the separate treatment of state housing finance agencies. R090-P1-C018–C036, C061–C063. ecfr.gov+3
A material current-law qualification is necessary: 2026 amendments to 12 U.S.C. 1701x added mandatory performance reviews for organizations receiving assistance under that section, counselor-competence provisions, and notice and conference provisions for denial of renewal of covered financial assistance. Those provisions must be distinguished from the older regulatory language about program approval and reapproval. The statutory notice period for financial-assistance renewal is not interchangeable with the regulatory appeal period. C088–C094, C107–C108. govinfo.gov+1
Actual access date: October 28, 2026, America/Los_Angeles, during the PDT portion of that date. The first clock check was 07:43:38 UTC, corresponding to 00:43:38 PDT. Later checks remained on October 28 PDT.
This investigation independently read the complete current bodies of Subparts A, B, and C. It also read the narrowly identified incorporated provisions below. It did not inspect a provider, counselor, directory entry, application, certificate, grant, complaint, contract, client record, or administrative decision. No earlier report supplies evidence here.
Currentness remains bounded. The refreshed eCFR subpart pages displayed currency through October 26, 2026; the principal current statutory compilation displayed laws through Public Law 119-134, October 20, 2026. These are compilation statements, not certifications of all subsequent enactments, judicial treatment, or implementation. Some older original statutory publications and one current statutory endpoint were incompletely accessible. Those failures remain recorded.
| Subpart | Actual heading | Sections actually present and read completely | Boundary |
|---|---|---|---|
| A | General Program Requirements | 214.1 — Purpose; 214.3 — Definitions | Both complete, including all definitions, examples, and qualifications. |
| B | Approval and Disapproval of Housing Counseling Agencies | 214.100 — General; 214.103 — Approval criteria; 214.105 — Preliminary application process; 214.107 — Approval by HUD; 214.109 — Disapproval by HUD | All five complete. |
| C | Inactive Status, Termination, and Appeals | 214.200 — Inactive status; 214.201 — Termination of HUD-approved status and grant agreements; 214.203 — Re-approval or removal as a result of a performance review; 214.205 — Appeals | All four complete. |
| Inventory result | Selected range | Eleven sections | No reserved section was displayed within A–C. Gaps in numbering were not treated as invented or reserved bodies. |
| Narrow incorporated readings outside A–C | Selected clauses only | 214.300(a)(1)–(10); 214.303(e); 214.307(a)–(b); 214.309(a)–(f); 214.311(a); 214.315(g); 214.600(a)–(e) | Reasons for each inclusion appear in the source and claim registers. Other Subpart D duties, including 214.313 fees, were not adopted into this investigation. |
| Separate reservation observed | Subpart F | 214.601 [Reserved] | This is outside A–C; it is not an additional approval provision. |
The current section inventory and bodies support this organization. C001–C002. ecfr.gov+3
| Source ID; issuer/title | Complete literal HTTPS URL | Exact read extent and pinpoints | Displayed version, legal status, effective/application boundary, and limits |
|---|---|---|---|
| R090-P1-S001 — HUD; eCFR, 24 CFR Part 214, Housing Counseling Program | https://www.ecfr.gov/current/title-24/subtitle-B/chapter-II/subchapter-B/part-214 https://www.ecfr.gov/current/title-24/subtitle-B/chapter-II/subchapter-B/part-214/subpart-A https://www.ecfr.gov/current/title-24/subtitle-B/chapter-II/subchapter-B/part-214/subpart-B https://www.ecfr.gov/current/title-24/subtitle-B/chapter-II/subchapter-B/part-214/subpart-C | Complete A, B, C. Also complete narrow clauses listed in §1 above. Authority/source lines read. Other D/E material sometimes appeared adjacent to selected text but was not adopted as a complete investigation. | Initial part display: through 10/23/2026. Refreshed A–C: through 10/26/2026; Title 24 last amended 8/20/2026. eCFR describes itself as authoritative but unofficial, not an official legal edition. Underlying codified regulations are distinguished from that publishing status. Principal source credit: 72 FR 55648, 9/28/2007, with section-specific amendments. Access: 10/28/2026 PDT. ecfr.gov+3 |
| R090-P1-S002 — HUD; 24 CFR 5.100 and 5.111 | https://www.ecfr.gov/current/title-24/subtitle-A/part-5/subpart-A/section-5.100 https://www.ecfr.gov/current/title-24/subtitle-A/part-5/subpart-A/section-5.111 | Complete definitions of homeownership counseling, housing counseling, rental housing counseling; complete 5.111(a), (b)(1)–(4). Not all Part 5 definitions or programs. | Initial definition-page currency 10/23/2026; refreshed §5.111 10/26/2026. Selected adopted provisions traced to 81 FR 90657. Same eCFR publication limitation. Access 10/28 PDT. ecfr.gov+2 |
| R090-P1-S003 — Congress/OLRC; 12 U.S.C. 1701x, Assistance with respect to housing for low- and moderate-income families | https://uscode.house.gov/us/usc/119-134/t12/s1701x/ https://uscode.house.gov/us/usc/t12/s1701x/ | Complete (a)(1), (a)(2), (a)(4); (e)(1)–(8); (f)(1)–(7); (g)(1)(A)–(C); (h)(1)–(5); (i)(1)–(4) and selected relevant credits/notes. Reliance on (f) limited principally to examination authority in (f)(4). Other program, funding, and newly added (j) material not used to make consumer-entitlement claims. | Display: laws in effect through P.L. 119-134, October 20, 2026. Current official Code compilation; not a complete later-law/judicial audit. Successful reads preceded one failed reopen; subsequent selected access succeeded. Access 10/28 PDT. uscode.house.gov+3 |
| R090-P1-S004 — Congress/OLRC; 42 U.S.C. 12704, Definitions | https://uscode.house.gov/us/usc/119-134/t42/s12704/ | Complete (5)(A)–(D), including the subparagraph expressly excluded by Part 214. Other definitions not adopted. | P.L. 119-134, 10/20/2026 compilation. Access 10/28 PDT. Original enactment chain not independently completed. uscode.house.gov |
| R090-P1-S005 — Congress/OLRC; 26 U.S.C. 501 | https://uscode.house.gov/us/usc/119-134/t26/s501/ | Complete (a), (b) and introductory text of (c); (c)(1)–(2) also displayed. The full taxonomy in (c), and §§502–503, were not read. | P.L. 119-134, 10/20/2026. Used to preserve the tax-status incorporation and its limits, not to resolve tax qualification. Access 10/28 PDT. uscode.house.gov |
| R090-P1-S006 — Congress/OLRC; 25 U.S.C. 4103, Definitions | https://uscode.house.gov/us/usc/119-134/t25/s4103/ | Complete (13)(A)–(C) and (22)(A)–(C). Reliance is the TDHE definition and identification of further tribal-recognition/1937 Act dependencies. Those underlying regimes were not completed. | P.L. 119-134, 10/20/2026. No actual tribal/entity recognition finding. Access 10/28 PDT. uscode.house.gov+1 |
| R090-P1-S007 — Congress/OLRC; 42 U.S.C. 3535, Administrative provisions | https://uscode.house.gov/us/usc/119-124/t42/s3535/ | Complete (d), delegation, redelegation, and rulemaking authority. No actual delegation instrument or official occupant investigated. | Display P.L. 119-124, October 15, 2026—a different cutoff from S003. Later requested compilation endpoint failed. Access 10/28 PDT. uscode.house.gov+1 |
| R090-P1-S008 — Congress/GovInfo; 12 U.S.C. 1701x-1, Home inspection counseling | https://www.govinfo.gov/link/uscode/12/1701x-1 | Complete section extract (a)(1)(A)–(D), (a)(2)–(3), (b), (c), (d) and credit. Printed 488, PDF index 0. | Official readable Code extract, but edition not displayed in retrieved body. Current OLRC routes failed. Used only for the authority subject and selected historical comparison; present compilation authentication remains partial. Access 10/28 PDT. govinfo.gov+1 |
| R090-P1-S009 — HUD; 24 CFR Part 24 | https://www.ecfr.gov/current/title-24/subtitle-A/part-24 | Complete 24.1 directing the reader to 2 CFR Part 2424 for debarment, suspension, and limited denial of participation. | eCFR through 10/26/2026; Title 24 last amended 8/20/2026. Part 24 is not treated as an empty or reserved part. Access 10/28 PDT. ecfr.gov |
| R090-P1-S010 — HUD; 2 CFR 2424.10 | https://www.ecfr.gov/current/title-2/subtitle-B/chapter-XXIV/part-2424/section-2424.10 | Complete section adopting 2 CFR Part 180, Subparts A–I, as supplemented by Part 2424. The adopted regimes were not read in full. | eCFR through 10/26/2026; Title 2 last amended 8/17/2026. Access 10/28 PDT. No debarment merits or procedure determination. ecfr.gov |
| Source ID; issuer/title | Complete literal HTTPS URL | Exact selected read bounds; printed page / zero-based PDF index | Publication, commencement/application, status, and limits |
|---|---|---|---|
| R090-P1-S011 — HUD, Housing Counseling Program; final rule | https://www.govinfo.gov/content/pkg/FR-2007-09-28/pdf/E7-19166.pdf https://www.govinfo.gov/content/pkg/FR-2007-09-28/html/E7-19166.htm | DATES, selected implementation explanation, adoption instruction and complete adopted A–C. DATES 55638/P0; A–C 55648–55651/P10–13. Full document 17 pages; no whole-preamble or whole-Part claim. | Published 9/28/2007; effective 10/29/2007. Adopted §214.100(b) nevertheless says full compliance 10/1/2007 for its stated transition categories. The discrepancy is preserved. Access 10/28 PDT. govinfo.gov+3 |
| R090-P1-S012 — HUD, conforming amendments; final rule | https://www.govinfo.gov/content/pkg/FR-2015-12-07/pdf/2015-29692.pdf | DATES 75931/P0; complete Part 214 instructions 39–40, 75936/P5. Adjacent instructions not used to expand scope. | Published 12/7/2015; effective 1/6/2016. Replaces selected old grant-management references with 2 CFR Part 200 references. HTML alternative failed. Access 10/28 PDT. govinfo.gov+1 |
| R090-P1-S013 — HUD, Housing Counseling: New Certification Requirements; final rule | https://www.govinfo.gov/content/pkg/FR-2016-12-14/pdf/2016-29822.pdf https://www.federalregister.gov/documents/2016/12/14/2016-29822/housing-counseling-new-certification-requirements | DATES and selected explanatory footnote 90632/P0; complete relevant adopted §§5.100, 5.111, 214.1, changed §214.3 definitions, §214.100(a), §214.103(g)(2), (n), and selected related instructions 90657–90659/P25–27. | Published 12/14/2016; effective 1/13/2017. Original certification transition was 36 months after examination commencement announced by HUD, subsequently changed. Preamble explanation is distinguished from adopted text. Access 10/28 PDT. govinfo.gov+2 |
| R090-P1-S014 — HUD, certification examination availability notice | https://www.govinfo.gov/content/pkg/FR-2017-05-31/pdf/2017-11213.pdf | Complete relevant HUD notice, including sections I–II; 24988–24989/P0–1. Adjacent material and examination-fee amounts not relied upon. | Published 5/31/2017; announced examination availability 8/1/2017 and historical compliance date 8/1/2020. The latter was superseded. Access 10/28 PDT. govinfo.gov |
| R090-P1-S015 — HUD, Housing Counseling Program: Revision of the Certification Timeline; interim final rule | https://www.govinfo.gov/content/pkg/FR-2020-08-05/pdf/2020-17138.pdf https://www.federalregister.gov/documents/2020/08/05/2020-17138/housing-counseling-program-revision-of-the-certification-timeline | DATES 47300/P0; complete adopted change to §214.103(n)(4), 47303–47304/P3–4. | Published 8/5/2020. DATES distinguishes posting effectiveness from 8/5/2020 for valid notice to persons without actual knowledge. Actual posting event not independently established. Sets compliance 8/1/2021. Access 10/28 PDT. federalregister.gov+1 |
| R090-P1-S016 — HUD, certification timeline; final rule | https://www.govinfo.gov/content/pkg/FR-2020-12-04/pdf/2020-26194.pdf | Relevant HUD body; DATES 78231/P1 and complete final adoptive instruction 78232/P2. Document begins 78230/P0. | Published and final adoption effective 12/4/2020; adopts interim rule without change. HTML failed. Access 10/28 PDT. govinfo.gov+1 |
| R090-P1-S017 — HUD, certification timeline; correction | https://www.govinfo.gov/content/pkg/FR-2020-12-14/pdf/2020-27145.pdf | Complete HUD correction body, 80616/P0, excluding adjacent unrelated rules. | Published/effective 12/14/2020. Corrects the publication’s administrative document number and the prior comment-closing year/date; expressly does not change substance. Access 10/28 PDT. govinfo.gov |
| R090-P1-S018 — HUD, Tribal housing-counselor certification; final rule | https://www.govinfo.gov/content/pkg/FR-2024-06-12/pdf/2024-12777.pdf | DATES 49802/P0; complete relevant instructions adding definitions and Subpart F, 49807–49808/P5–6. | Published 6/12/2024; effective 7/12/2024. Compliance depends on the later of the two events in §214.600(e). Examination-availability announcement not verified. HTML failed. Access 10/28 PDT. govinfo.gov+1 |
| R090-P1-S019 — HUD, Modernizing the Delivery of Housing Counseling Services; final rule | https://www.govinfo.gov/content/pkg/FR-2024-09-16/pdf/2024-20946.pdf https://www.federalregister.gov/documents/2024/09/16/2024-20946/modernizing-the-delivery-of-housing-counseling-services | DATES 75497/P0; complete relevant adopted instructions 75501–75502/P4–5, changing §214.103(l) and §214.300(a). | Published 9/16/2024; effective 10/16/2024. Current facility and remote-delivery provisions, not the older in-person formulation. Access 10/28 PDT. federalregister.gov+1 |
| R090-P1-S020 — Congress, Public Law 111-203; selected enacted clauses | https://www.govinfo.gov/content/pkg/PLAW-111publ203/pdf/PLAW-111publ203.pdf | Complete §1400(c), 124 Stat. 2136/P761; §1443(a)’s complete inserted 1701x(g)(1), 2165–2167/P790–792; complete §1445, 2171–2172/P796–797; §1448, 2173/P798; §1449, 2174/P799; §1451, 2176–2177/P801–802. Not the whole 849-page Act. | Enacted 7/21/2010. §1400(c)’s regulation-dependent/default transition read, but the designated-transfer-date chain was not independently completed. Access 10/28 PDT. govinfo.gov+4 |
| R090-P1-S021 — Congress, Public Law 119-101, 21st Century ROAD to Housing Act; selected enacted clauses | https://www.govinfo.gov/content/pkg/PLAW-119publ101/pdf/PLAW-119publ101.pdf https://www.govinfo.gov/content/pkg/PLAW-119publ101/html/PLAW-119publ101.htm | Complete §101(1)–(3), 140 Stat. 847–849/P2–4; complete §§1201–1202, 140 Stat. 984/P139; enactment notation. Not all §101(4) or the whole Act as a merits investigation. | Became law 7/11/2026. Selected §101 clauses contain no separate delayed-commencement clause; current S003 incorporates them. No complete later-law or judicial-history conclusion. Access 10/28 PDT. govinfo.gov+1 |
| R090-P1-S022 — GPO, 2025 annual CFR, Part 214 | https://www.govinfo.gov/content/pkg/CFR-2025-title24-vol2/pdf/CFR-2025-title24-vol2-part214.pdf | Opening edition/content metadata only; PDF begins at printed 326/P0, with adjacent preceding material. No complete annual A–C reading claimed. | Older official annual publication, not substituted for the current eCFR body. Attempted 2026 annual alternative failed. Access 10/28 PDT. govinfo.gov |
| R090-P1-S023 — 1968 original statutory publication; discovery and failed access | https://www.govinfo.gov/content/pkg/STATUTE-82/pdf/STATUTE-82-Pg476.pdf | Intended narrow §106 at 82 Stat. 490; body not retrieved. | Request failed because content length exceeded tool limit. Not operative evidence of the original clause. Access attempt 10/28 PDT. |
| R090-P1-S024 — Congress/GPO, Public Law 91-609, 1970 Act; limited access | https://www.govinfo.gov/content/pkg/STATUTE-84/pdf/STATUTE-84-Pg1770.pdf | Opening title/enactment text retrieved; intended §903, 84 Stat. 1808, not successfully retrieved. Subsequent find/open attempts timed out. | Historical original; header dates enactment 12/31/1970. No claim to have read the material amendment. Access 10/28 PDT. |
| R090-P1-S025 — 1992 original statutory publication; discovery and failed access | https://www.govinfo.gov/content/pkg/STATUTE-106/pdf/STATUTE-106-Pg3672.pdf | Intended certification-related amendments; original body not retrieved. | Content-length failure. Source-credit pointers do not substitute for adopted text. Access attempt 10/28 PDT. |
| Claim ID | Supported proposition and exact conditions | Exact authority; limits |
|---|---|---|
| R090-P1-C001 | The refreshed A–C bodies display eCFR currency through October 26, 2026. The eCFR is a continuously updated, authoritative but unofficial publication. | S001, display/status text. A title-wide amendment date is not a Part 214 amendment date or exhaustive later-law audit. |
| R090-P1-C002 | A–C contain the eleven sections inventoried above, with no displayed reserved section in those subparts. | S001, complete A–C headings and bodies. Enumeration is a reading result, not an eligibility threshold. |
| R090-P1-C003 | Part 214’s authority line cites 12 U.S.C. 1701x, 1701x-1, and 42 U.S.C. 3535(d). Section 1701x authorizes specified counseling assistance; §3535(d) authorizes delegation/redelegation and necessary rules. | S001 authority line; S003(a)(1)(iii), (a)(2); S007(d); S008. No actual delegation or complete home-inspection-currentness determination. |
| R090-P1-C004 | Section 214.1 applies to participating agencies and entities delivering housing counseling required under, or provided in connection with, HUD programs. | S001 §214.1. This does not establish that every private housing-help or debt-help activity falls within the program. Subject to C034. |
| R090-P1-C005 | Section 5.111 requires certified organizations and counselors for covered counseling. Its connection categories are: HUD-required counseling; HUD-funded counseling; grantee/subgrantee-required counseling as a condition of HUD assistance; or referral of a HUD-assisted family by a grantee/subgrantee. | S002 §5.111(a), (b)(1)–(4), complete. Program and relationship predicates remain necessary. |
| R090-P1-C006 | Section 1701x(e)(1) conditions listed counseling assistance on certification; (e)(2) requires standards, examinations, and organizational certification procedures; (e)(3) uses “organizations or counselors” for HUD-connected counseling. | S003(e)(1)–(3). The statutory “or” and regulatory “and” are recorded separately; this report does not declare them identical or resolve all construction questions. |
| R090-P1-C007 | Section 1701x(g)(1) defines homeownership and rental counseling for its stated purposes and enumerates program incorporations. | S003(g)(1)(A)–(C), fully read. The enumerated underlying housing programs were not independently read; their eligibility or current operation is not established. |
| R090-P1-C008 | The incorporated nonprofit definition retains organization under state/local law, no prohibited private inurement, and financial accountability acceptable to HUD; its affordable-housing-purpose subparagraph (D) is excluded for this framework. | S001 §214.3 “Nonprofit organization”; S003(h)(1); S004 §12704(5)(A)–(D). Excluding D does not exclude A–C. |
| R090-P1-C009 | Section 501(a) exempts specified organizations unless denied exemption under §§502 or 503. Part 214 specifically invokes §501(a) pursuant to §501(c). | S005(a), (c) introductory clause; S001 §§214.3, .103(a). Full tax-category and denial provisions remain unread; no tax-status finding. |
| R090-P1-C010 | The TDHE definition has an existing-IHA route with cumulative historical/1937 Act conditions and a separately authorized-entity route based on tribal self-government or qualifying state law. One or more tribes may authorize an entity. | S006 §4103(22)(A)–(C), with (13) read. Tribal recognition and the 1937 Act chain remain unresolved; no category established for an entity. |
| R090-P1-C011 | An action plan identifies agency/client steps toward housing goals and, when appropriate, housing problems. A housing goal is a realistic short- or long-term objective set by the client with counseling advice. | S001 §214.3, both definitions. These are program concepts, not a completed plan or affordability determination. |
| R090-P1-C012 | “Clients” means individuals or households seeking participating-agency assistance for a housing need or problem. | S001 §214.3 “Clients.” Seeking help does not itself prove entitlement to a particular service or result. |
| R090-P1-C013 | Counseling is tailored assistance addressing financial circumstances or housing obstacles. The examples include credit, rental disputes, purchase/down-payment issues, fair housing/lending, accessible units, foreclosure, and financial crisis. An action plan is required except for reverse-mortgage counseling. | S001 §214.3 “Counseling.” Topic inclusion does not confer separate legal representation, credit-repair, or debt-discharge authority. |
| R090-P1-C014 | Education means formal group/class instruction with curriculum and instructional goals. Its nonexclusive examples concern renter rights, buying/maintaining a home, budgeting, fair housing, predatory-lending identification/reporting, disability rights, and credit. | S001 §214.3 “Education.” A class is not automatically individualized counseling. |
| R090-P1-C015 | Incorporated “housing counseling” means customized independent expert advice and requires intake, financial/housing-affordability analysis, an action plan except for reverse mortgages, and reasonable follow-up efforts when possible. | S002 §5.100, complete housing-counseling definition. This is a required process category, not proof of actual independence or successful analysis. |
| R090-P1-C016 | Homeownership counseling covers the purchase decision, selection/purchase, ownership issues including financing/refinancing/default/foreclosure and other financial decisions, and disposition, within the specified HUD connection. | S002 §5.100 “Homeownership counseling”; S003(g)(1)(B). No particular mortgage or consumer eligibility finding. |
| R090-P1-C017 | Rental counseling concerns residential rental issues; future ownership, rental decisions, tenancy responsibilities, affordability, and eviction prevention may be included. | S002 §5.100 “Rental housing counseling”; S003(g)(1)(C). It is not an adjudication of tenancy rights. |
| R090-P1-C018 | An affiliate is separately incorporated from its intermediary/SHFA and must be a duly organized tax-exempt nonprofit, in good standing under its organizing state’s law, and authorized to operate in proposed service states. | S001 §214.3 “Affiliate,” (1)–(3). All three conditions apply. |
| R090-P1-C019 | A branch is a subordinate, not separately incorporated/organized unit of a listed parent category; it must have the stated good standing and cannot be a subgrantee or affiliate. | S001 §214.3 “Branch or branch office.” A generic label does not establish its organizational relationship. |
| R090-P1-C020 | “HUD-approved housing counseling agency” incorporates nonprofit/tax status, HUD approval under Part 214 and §1701x(e), direct or affiliate/branch delivery, and Part compliance. | S001 §214.3; S003(h)(4). Statutory and regulatory formulations are not treated as proof of current individual standing. |
| R090-P1-C021 | A HUD certified housing counselor must have passed the HUD examination, work for a participating agency, and be HUD-certified under the part. | S001 §214.3; §214.103(n). Passing an examination alone does not establish the complete defined status. |
| R090-P1-C022 | A HUD-certified Tribal housing counselor has the examination, employment, and certification relationship specified by Subpart F. | S001 §214.3; §214.600(b)–(d). It is not interchangeable with every regular-program counseling category. |
| R090-P1-C023 | An intermediary is HUD-approved, delivers indirectly through branches/affiliates, and controls service type/quality. National and regional categories each combine counseling with administrative/support services, with different geographic descriptions. | S001 §214.3 “Intermediary,” (1)–(2). No actual network or control relationship is established. |
| R090-P1-C024 | An LHCA directly provides counseling and may have a main office and branches in no more than two contiguous states. | S001 §214.3 “Local housing counseling agency.” This is a category predicate, not verified geographic availability. |
| R090-P1-C025 | An MSO provides counseling through a main office and branches in two or more states. | S001 §214.3 “Multi-state organization.” Geographic wording alone does not resolve every possible overlap with C024. |
| R090-P1-C026 | “Participating agency” is broader than separately approved agencies; it includes qualifying affiliates and branches of approved intermediaries/MSOs and SHFAs. | S001 §214.3 “Participating agency.” Participation does not necessarily mean each unit holds a separate direct approval. |
| R090-P1-C027 | A work plan identifies geographic activities, community needs/problems, objectives, and available resources; intermediary/SHFA/MSO plans also address proposed network support. | S001 §214.3 “Housing counseling work plan.” A stated plan is not evidence of actual implementation. |
| R090-P1-C028 | Housing-counseling grant funds are section 106 grants to participating agencies. A subgrantee is an affiliate of an approved intermediary or SHFA receiving a subgrant derived from a HUD grant. | S001 §214.3, both definitions. Participation alone does not establish receipt of funding. |
| R090-P1-C029 | The regulatory “State” definition lists the several states, Puerto Rico, DC, CNMI, Guam, Virgin Islands, American Samoa, and other U.S. possessions. Statutory §1701x(h)(2) additionally retains “Trust Territories of the Pacific.” | S001 §214.3; S003(h)(2). The differing wording is preserved, without geopolitical or territorial-application conclusions. |
| R090-P1-C030 | An SHFA is a public statutory body/agency/instrumentality with statewide housing-finance authority of the specified kind; it may provide counseling, subgrant within its state, or both. | S001 §214.3 “SHFA”; S003(h)(5). Not every public agency is an SHFA. |
| R090-P1-C031 | “Unit of general local government” enumerates general-purpose political subdivisions, including city, county, parish, town, township, borough, and village. | S001 §214.3; S003(h)(3). No particular jurisdiction is classified. |
| R090-P1-C032 | The selected reverse-mortgage definition describes proceeds from accumulated equity with repayment deferred to a future time. | S001 §214.3 “Reverse mortgage.” It supplies no actual maturity, repayment, protection, or contract conclusion. |
| R090-P1-C033 | “Applicant” and “network” are used in the selected provisions but are not separate standalone definitions in §214.3. | S001, complete definition inventory and §§214.103, .105, .205. Ordinary labels cannot replace the applicable criteria. |
| R090-P1-C034 | Section 214.600 applies only to IHBG/ICDBG-connected counseling. The specified tribal entities funding that counseling are excepted from other Part 214 requirements except Subpart F. Other HUD-connected counseling requires the regular certification standard and participating-agency status. | S001 §214.600(a)–(d), complete; S018 adopted text. This is the indispensable exception to an otherwise overbroad scope statement. |
| R090-P1-C035 | Subpart F compliance is due by the later of 48 months from rule effectiveness or 30 days after HUD makes the Tribal examination available; HUD must announce testing/certification commencement in the Federal Register. | S001 §214.600(e); S018. Actual examination-availability event and resulting deadline were not determined. |
The following ordinary-program criteria operate within the scope and exceptions in C004–C010 and C034–C035.
| Claim ID | Supported proposition and cumulative conditions | Exact authority; limits |
|---|---|---|
| R090-P1-C036 | Agency approval and individual certification do not create or imply HUD warranty or endorsement of the agency, personnel, or counseling. Approval means prescribed qualifications/conditions were met; counselor status carries its specified examination/employment meaning. | S001 §214.100(a), complete. No “legitimacy,” quality, availability, or outcome guarantee follows. |
| R090-P1-C037 | Approval requires the §214.103 criteria and Subpart B procedures; the criteria apply to agencies, MSOs, intermediaries, and included LHCAs, branches, and affiliates. | S001 §§214.100 introductory text, .103 introductory text. Category-specific alternatives remain material. |
| R090-P1-C038 | The agency must be a private/public nonprofit or a local/county/state governmental unit. Nonprofit/tax evidence is required under the specified tax provisions; governmental units must show authorization to counsel. | S001 §214.103(a). The governmental proof requirement is not a professional-license determination. |
| R090-P1-C039 | Agencies must have successfully administered counseling for at least one year; intermediaries must have operated in that capacity for at least one year; included affiliates/branches must satisfy the stated one-year counseling requirement. | S001 §214.103(b). The relevant actor and type of experience cannot be substituted for one another. |
| R090-P1-C040 | The agency and listed directors, partners, officers, principals, and employees must not have the specified federal restrictions, qualifying indictment/conviction, or unresolved government audit/investigation findings. | S001 §214.103(c)(1)–(3). The criminal-offense branch requires the stated relationship to responsibility, integrity, or ability; no actual conduct/status inference. |
| R090-P1-C041 | The agency and its HUD-program branches/affiliates must have functioned for at least one year in the work-plan geographic areas. | S001 §214.103(d). This is additional to organizational/program experience. |
| R090-P1-C042 | An established record system must support file review and verification/reporting/analysis of annual activities, protect confidentiality, satisfy the stated federal incorporations, and be accessible to HUD monitoring/audit. | S001 §214.103(e); selected §214.315(g); S012. Full 2 CFR Part 200 Subpart D, 24 CFR 1.6, and Part 121 compliance remains held. |
| R090-P1-C043 | Participating agencies must use an automated client-management system that tracks counseling/education and client-level information, satisfies HUD requirements, and interfaces with HUD databases. | S001 §214.103(f). No system, data, interface, or privacy practice was inspected. |
| R090-P1-C044 | No later than approval, resources must support the proposed plan. The application must show immediately available funds or a written commitment covering initial twelve-month operating costs. | S001 §214.103(g), (g)(1). No prescribed dollar amount or actual solvency finding. |
| R090-P1-C045 | Staff must be trained; all staff providing covered counseling must be HUD certified; at least half the agency’s counselors must have at least six months’ experience in their proposed job. | S001 §214.103(g)(2). Training, certification, and the experience fraction are separate cumulative predicates. |
| R090-P1-C046 | The language criterion permits fluent counselor(s), interpreter services, or referral to another agency able to meet the client’s needs. | S001 §214.103(g)(3). It does not prove a particular language is presently available. |
| R090-P1-C047 | Staff must know specified HUD/state/local programs, consolidated plans, and the local market; familiarity with conventional-lender and other helpful programs is expressed as “should.” | S001 §214.103(h). Mandatory and advisory wording are not collapsed. |
| R090-P1-C048 | The agency and branches/subgrantees/affiliates must deliver the work-plan counseling; contracting out is prohibited except for the enumerated alternatives. | S001 §214.103(i), introductory text. No general outsourcing permission. |
| R090-P1-C049 | The underserved-area contracting exception requires demonstrated need, absence of the specified HUD-approved service network, allocated contractual responsibilities, a contractor meeting approval-eligibility standards, and prior written HUD approval. | S001 §214.103(i)(1), all conditions. No geographic/provider search conducted. |
| R090-P1-C050 | Intermediaries and SHFAs may use affiliate agreements, including an exchange of letters, but responsibilities must be sufficiently detailed for accountability and monitoring under 2 CFR Part 200. | S001 §214.103(i)(2). Form flexibility does not remove substantive conditions; full grant rules held. |
| R090-P1-C051 | HUD may, with prior approval and in its discretion, permit an intermediary network of individual counselors instead of agencies for a special counseling need identified by HUD. | S001 §214.103(i)(3). Not a general right to bypass agency requirements. |
| R090-P1-C052 | The agency must maintain working relationships with public/private community resources for needs it cannot meet, including related non-English-language services. | S001 §214.103(j). No actual referral relationship or service assurance. |
| R090-P1-C053 | The agency and branches/affiliates must meet all state/local operational requirements. | S001 §214.103(k). Those requirements were not researched; federal approval does not establish compliance with them. |
| R090-P1-C054 | Every participating agency must maintain at least one facility; all facilities require identifiable counseling space, privacy/confidential records, and accessibility features or alternative accommodations under the incorporated laws. | S001 §214.103(l)(1)–(3); S019 adopted revision. Full accessibility regimes and actual facilities remain held. |
| R090-P1-C055 | The plan must concisely detail target needs/problems, resource-based response, services, any applicable fee structure, geographic area, and anticipated outcomes during approval. | S001 §214.103(m)(1). Mention of a fee field does not resolve §214.313 or permissible fees. |
| R090-P1-C056 | Plans require periodic review, notice and a copy to HUD when changed, the basic §214.300 requirements, and alternative settings/formats where appropriate. | S001 §214.103(m)(2)–(4); narrow §214.300(a) read. No specified universal review interval. |
| R090-P1-C057 | All individuals providing covered counseling must be certified. The written standardized examination tests six areas: financial management; property maintenance; ownership/tenancy responsibilities; fair housing; affordability; and delinquency/eviction/default avoidance and response. | S001 §214.103(n)(1)–(2); S003(e)(2). No score, pass rate, or continuing-competence conclusion. |
| R090-P1-C058 | Section 214.103(n)(3) provides certification upon verification of work for a participating agency, while literally referring to paragraph (n)(1). | S001 §214.103(n)(3). The cross-reference is preserved, not silently rewritten as (n)(2). Read with the complete definition and examination provisions. |
| R090-P1-C059 | The current ordinary-program certification compliance date is August 1, 2021. | S001 §214.103(n)(4); S015–S017. It is not a newly available grace period; the separate Tribal transition is C035. |
| Claim ID | Supported proposition and conditions | Exact authority; limits |
|---|---|---|
| R090-P1-C060 | Applications require HUD-prescribed forms and supporting documentation. A parent controlling branch/affiliate service type and quality submits one application. | S001 §214.105(a). No form or actual application inspected or prepared. |
| R090-P1-C061 | SHFAs need not submit an application for HUD approval, but participation requires either the stated request, affiliate list if applicable, and assurances, or a request under another HUD-announced procedure. | S001 §214.105(b). This is not exemption from all program requirements; alternative announcements were not surveyed. |
| R090-P1-C062 | If the package meets all §214.103 requirements, HUD will approve for up to three years, send the approval letter to the main office, and issue a certificate stating the period. | S001 §214.107(a)–(b). No universal three-year term or processing deadline is stated. |
| R090-P1-C063 | Direct-service participating agencies must supply contact information; public website/hotline availability is permissively worded. | S001 §214.107(c). Listing, actual approval, active status, and service availability are separate questions. |
| R090-P1-C064 | A deficient application receives written denial reasons. Within thirty calendar days of written notice, the agency may submit a revised application or a written appeal under §214.205. | S001 §214.109. Consultation is permitted, not undertaken here. No approval guarantee. |
| R090-P1-C065 | HUD may use inactive status for temporary impairment, case by case, ordinarily capped at six months unless extended under (d), on request or HUD information. | S001 §214.200(a). Nonexclusive grounds include counselor loss, disabling disaster damage, lost funds, relocation, beyond-control circumstances, and review results. |
| R090-P1-C066 | A request for inactive status must be written, with supporting evidence if possible; HUD reviews and notifies approval/rejection in writing. Approval temporarily removes website/hotline information. | S001 §214.200(b). A request is not the status decision. |
| R090-P1-C067 | The agency must notify HUD with support when ready to resume or no later than the inactive period’s end. Restoration of contact information may follow HUD review and acceptance. | S001 §214.200(c). Resumption is not automatic merely because time has passed. |
| R090-P1-C068 | If the condition persists, HUD may extend inactivity or terminate/remove participation, and must give written notice of its decision. | S001 §214.200(d). No automatic extension or maximum extended duration is supplied here. |
| R090-P1-C069 | Upon confirming an enumerated ground, HUD may terminate approval, remove SHFAs or branches/affiliates, and terminate applicable grants. Grounds are noncompliance; work-plan/change-notice failure; insufficient capacity; failed planned outcomes; grant misuse; or HUD-determined good cause. | S001 §214.201(a)(1)–(6). This is not an actual finding or an automatic consumer remedy. |
| R090-P1-C070 | Participation may be voluntarily withdrawn at any time. Termination/withdrawal must be written; unexpired certificates must be returned; terminated or inactive agencies may not display them. | S001 §214.201(b)–(c). Historical certificate possession does not establish active standing. |
| R090-P1-C071 | Where HUD determines termination and the agency does not withdraw, §214.201(c) permits resort to Part 24; §24.1 points to 2 CFR Part 2424, whose §2424.10 adopts supplemented Part 180 provisions. | S001; S009–S010. Full exclusion procedures, remedies, and individual application remain held. |
| R090-P1-C072 | Section 214.203 permits periodic review and says HUD will reapprove at the approval period’s end following a successful review, if conducted. | S001 §214.203. Read with §§214.307–.309 and the later statutory qualification C088; not unconditional perpetual approval. |
| R090-P1-C073 | Regulatory performance reviews may be on-site or desk reviews and examine all program requirements, applicable civil rights, and success in service delivery. | S001 §214.307(a)–(b), complete. No actual review or evaluation of quality. |
| R090-P1-C074 | Full compliance with performance criteria permits unconditional reapproval for up to three years. | S001 §214.309(a). The paragraph uses discretionary wording; §214.203’s wording is separately preserved. |
| R090-P1-C075 | If unmet performance criteria do not seriously impair counseling capability, HUD may extend approval/participation conditionally for up to 120 calendar days. | S001 §214.309(b). Not a universal cure period. |
| R090-P1-C076 | HUD may use inactive status under §214.200 and may conduct a follow-up review to determine correction of deficiencies. | S001 §214.309(c)–(d). Neither correction nor reinstatement is presumed. |
| R090-P1-C077 | HUD may immediately terminate when it determines deficiencies seriously impair compliance; non-reinstatement or termination permits the specified appeal. | S001 §214.309(e)–(f). The serious-impairment determination is indispensable. |
| R090-P1-C078 | An applicant or approved agency seeking reapproval has the stated adverse-decision appeal right. The appeal is written; HUD must receive it within thirty calendar days from the date of its decision letter. | S001 §214.205 introductory text, (a)–(b). Late review is not obligatory. Mailing, actual receipt of the decision, and holiday-extension rules are not supplied. |
| R090-P1-C079 | The appeal provision preserves other Part 24 action and other legally available HUD remedies. | S001 §214.205(c). It supplies no universal stay, private cause of action, damages, or exhaustive remedy procedure. |
| Claim ID | Supported proposition and conditions | Exact authority; limits |
|---|---|---|
| R090-P1-C080 | Basic counseling addresses housing conditions and ownership/tenancy responsibilities; counselors and clients establish an action plan except for reverse-mortgage counseling. | S001 §214.300(a)(1)–(2), incorporated by §214.103(m)(3). No client plan or service determination. |
| R090-P1-C081 | Counseling may use agency/alternate locations, telephone, or collaborative online software, subject to accessibility requirements. A request for in-person service triggers referral to a participating agency offering it under §214.303(e). | S001 §214.300(a)(3); S019. This does not require every agency to deliver every format itself. |
| R090-P1-C082 | Format does not remove community-base, resource, knowledge, or approved-geographic-area requirements. Prior HUD approval may allow specified nationally delivered counseling through a special-need affiliated-counselor network or HUD roster. | S001 §214.300(a)(4)–(6). No roster inspected or national-service finding. |
| R090-P1-C083 | Participating agencies offering group education must also offer individual counseling on those topics. | S001 §214.300(a)(7). Offering a class is not itself proof the individual service occurred. |
| R090-P1-C084 | Selected basic requirements specify the homeownership/rental subject boundaries and required HUD home-inspection materials as part of homeownership counseling. | S001 §214.300(a)(8)–(10); S008; S020 §1451. No actual material, inspector, inspection, or consumer eligibility evaluated. |
| R090-P1-C085 | Referred clients generally must be served; if unique requested services are unavailable or resources insufficient, referral to another participating agency is required, preferably locally; if none is available, reasonable efforts to another helpful agency are required. | S001 §214.303(e), complete. Not a guarantee of available service or a direction to contact anyone. |
| R090-P1-C086 | Approval/participation does not guarantee grant funding. Funding depends on appropriations and competitive federal/HUD assistance rules; available competitive funds are publicly announced. | S001 §214.311(a), complete. Full grant eligibility, current appropriations, and awards held. |
| R090-P1-C087 | The selected confidentiality clause covers personal/financial information, including credit reports from the client or another source. | S001 §214.315(g), read solely for §214.103(e)’s incorporation. The printed FCRA citation anomaly and full privacy/penalty chain remain unresolved. |
| R090-P1-C088 | The 2026 statute permits periodic reviews but requires performance reviews of all organizations receiving assistance under §1701x, examining all program requirements and optionally aggregate counselor performance. | S003(e)(6); S021 §101(2). Regulatory “may review” language cannot be generalized to negate this statutory requirement. |
| R090-P1-C089 | For (e)(7), a covered mortgage loan has the stated first/subordinate residential lien, one-to-four-family design, and specified FHA insurance or statutory guarantee. | S003(e)(7)(A); S021. Insurance/guarantee eligibility bodies not fully read; this is not the broader definition in newly added (j). |
| R090-P1-C090 | For prepurchase counselors employed by assisted organizations, HUD may compare performance with default rates of counseled borrowers in the specified covered-loan/comparable-market cohort and other appropriate factors. | S003(e)(7)(B). No score, denominator calculation, causal inference, or actual quality judgment. |
| R090-P1-C091 | Following the specified competence determination and only if action will not significantly reduce area counseling capacity, HUD may require continuing education/probation, retesting for continued lack of competence, and suspension after failure despite at least two retesting opportunities. | S003(e)(8)(A)–(C). Its reference to the comparison “required” under (7)(B) differs from that paragraph’s “may”; construction remains bounded. |
| R090-P1-C092 | HUD may deny renewal of covered assistance for organizational or counselor noncompliance, based on the (e)(6) review and in accordance with HUD regulations. Covered assistance means grants or other financial assistance under the section. | S003(i)(3)(A), (i)(4); S021 §101(3). Not automatically every program-approval decision. |
| R090-P1-C093 | Such denial requires at least sixty days’ prior written notice; renewal determination is not final until the period ends. A timely written request entitles the recipient to the specified informal conference to present beyond-control factors. | S003(i)(3)(B)–(C), complete. This is distinct from the thirty-calendar-day regulatory appeal. Counting/service conventions beyond the text remain unresolved. |
| R090-P1-C094 | A separate Secretary determination of material misuse of covered assistance triggers reimbursement/return within twelve months and future ineligibility for further covered assistance, with other remedies preserved. | S003(i)(2), (i)(4), complete. This concerns assistance accountability, not automatic cancellation of all agency status or consumer debts. |
| R090-P1-C095 | The statute requires appropriate certification outreach and encouragement of non-assisted counseling organizations to use certified providers or meet standards. | S003(e)(4)–(5). Encouragement is not a universal compulsory rule for all non-HUD counseling; other HUD connections still matter. |
| R090-P1-C096 | The selected statutory examination provision assigns examination administration and certification on the Secretary’s behalf to the selected entity, with content/format established in consultation. | S003(f)(4), read in its surrounding subsection. No actual selected entity, contract, fee, or examination record investigated. |
| Claim ID | Supported proposition | Exact authority; limits |
|---|---|---|
| R090-P1-C097 | The 2007 final rule was published September 28 and effective October 29. Its adopted §214.100(b), like the current text, nevertheless uses October 1 compliance for the specified preexisting/submitted-application categories. | S011 DATES, §214.100(b); S001. The chronology is not silently corrected, converted into a current grace period, or judicially reconciled. |
| R090-P1-C098 | The 2015 rule changed the selected recordkeeping and affiliate-agreement incorporations to 2 CFR Part 200; it became effective January 6, 2016. | S012 DATES, instructions 39–40. This does not mean the incorporated regime was fully analyzed. |
| R090-P1-C099 | The 2016 final rule adopted the material certification/scope definitions and procedures, effective January 13, 2017, with the original examination-linked thirty-six-month compliance transition. | S013 DATES and adopted text. Original transition is historical, not current. |
| R090-P1-C100 | The 2017 notice announced examination availability August 1, 2017 and the then-applicable August 1, 2020 compliance date. | S014, complete relevant notice. The latter date was later replaced. |
| R090-P1-C101 | The 2020 interim rule replaced the certification compliance date with August 1, 2021; the December final rule adopted that change without modification. | S015–S016. The interim posting/actual-knowledge qualification remains recorded; no actual posting date invented. |
| R090-P1-C102 | The December 14, 2020 correction changed publication details and the historical comment-closing date, not substantive certification requirements. | S017, complete correction. It did not create a different program-compliance deadline. |
| R090-P1-C103 | The 2024 Tribal rule adopted the separate definitions, Subpart F exception, certification route, and later-of transition; effective July 12, 2024. | S018 DATES and instructions; S001 §214.600. Actual transition endpoint remains unknown. |
| R090-P1-C104 | The 2024 modernization rule replaced the facility requirement and revised delivery/referral/geographic clauses; effective October 16, 2024. | S019 DATES and complete selected adopted instructions. Older office/in-person wording is not used as current law. |
| R090-P1-C105 | The selected 2010 enacted clauses establish the relevant statutory counseling definitions, certification amendments, agency definitions, assistance-accountability provisions, and home-inspection authority. | S020 §§1443(a), 1445, 1448, 1449, 1451, within recorded bounds. Not a complete history of §1701x. |
| R090-P1-C106 | Section 1400(c) ties rule issuance/effectiveness to eighteen- and twelve-month periods and supplies a default for provisions lacking regulations after the designated-transfer-date period. | S020 §1400(c)(1)–(3), complete. Designated transfer date and provision-specific application were not completed; no calendar computation. |
| R090-P1-C107 | Public Law 119-101 became law July 11, 2026. Its §101(1)–(3) amends distribution wording, adds review/competence provisions, and adds assistance-renewal procedure, as reflected in current §1701x. | S021 selected enacted body; S003 2026 text/notes. No separate delayed trigger appears in those selected clauses; whole later-law history remains held. |
| R090-P1-C108 | The 2026 Act has a severability clause and does not authorize additional appropriations to carry out the Act/amendments. | S021 §§1201–1202. This is not a finding that no existing funds are available or that any provision has been held invalid. |
| R090-P1-C109 | Older original statutory access was incomplete: the 1968/1992 PDFs exceeded retrieval limits; the material 1970 clause timed out; current §1701x-1 compilation authentication remains incomplete. | S008, S023–S025 and failure log. Failure is not repeal or absence of authority. |
| R090-P1-C110 | The 2025 annual CFR opening was available; the requested 2026 annual Part 214 PDF was not. Neither supplies a claimed complete alternative current reading. | S022 and failure log. Current A–C conclusions rely on the successfully read eCFR and selected adopted instruments. |
| R090-P1-C111 | Textual anomalies are preserved: “Internal Revenue Code of 1996” in selected regulations; §214.103(n)(3)’s (n)(1) reference; §214.315(g)’s displayed “14 U.S.C. 1681”; differing statutory/regulatory State wording. | S001 §§214.3, .103(a), .103(n)(3), .315(g); S003(h)(2); S020 §1448. No silent editorial repair or complete interpretive reconciliation. |
| R090-P1-C112 | The selected legal framework does not establish any actual participant’s standing, license, funding, service quality, availability, privacy compliance, independence, or successful outcome. | Scope limitation supported by C036, C053, C062–C079, C086 and absent application evidence. No handbook was used to add approval criteria or legal force. |
| Comparison | Supported distinction | What remains open | Claim/source crosswalk |
|---|---|---|---|
| Agency approval / counselor certification | Organizational qualifications and decision procedures differ from examination, employment, and individual certification predicates. | Actual status of either category. | C020–C022, C036–C038, C057–C062; S001 §§214.3, .100, .103(n), .107. |
| Agency / affiliate / branch / intermediary | Separate incorporation, subordination, control, delivery, and support functions have different definitions. | Actual organization or network relationships. | C018–C028; S001 §214.3. |
| LHCA / MSO | Direct-service and geographic/main-office/branch predicates differ; geography alone does not resolve every classification. | Actual service geography and organizational form. | C024–C025; S001 §214.3. |
| Direct approval / SHFA participation | SHFAs have a specific request-based exception from the ordinary approval application. | Any currently announced alternative request procedure or actual compliance. | C060–C061; S001 §214.105. |
| Initial approval / continued participation | Initial criteria, review, inactivity, conditional reapproval, termination, and appeal are distinct stages. | Current decision, expiration, review result, or active status. | C062–C079; S001 §§214.107–.205, .307–.309. |
| Statutory authority / codified criterion / handbook | Statutes authorize and constrain; regulations specify program criteria. No handbook was read or used to amend those criteria. | Status and effect of a particular future handbook clause would require its own examination. | C003–C009, C097–C108, C112; S001–S003, S007, S011–S021. |
| Mandatory criterion / discretion | “Must,” conditional “will,” and “may” have different functions. For example, complete approval criteria contrast with discretionary inactive status. | Satisfaction of predicates; exercise of authorized discretion. | C037–C078; exact cited clauses. |
| Application / approval | Submission and supporting evidence precede an agency decision; a successful package leads to the letter/certificate procedure. | Actual submission, sufficiency, decision, or duration. | C060–C064; S001 §§214.105–.109. |
| Participation / professional licensing | Federal program requirements coexist with state/local operational requirements; no general professional license is issued by the selected provisions. | Each relevant professional/operational licensing regime. | C036, C053, C112; S001 §§214.100(a), .103(k). |
| Approval / grant funding | Approval does not guarantee funding; financial-assistance accountability and renewal have separate predicates. | Appropriation, competition, award, grant conditions, and renewal decision. | C086, C092–C094, C108; S001 §214.311(a); S003(i); S021 §1202. |
| Listing / verified current status | Listing is a referral mechanism; inactive status can remove it, and later restoration depends on HUD review/acceptance. | Any actual listing, current standing, or availability. | C063, C066–C070; S001 §§214.107(c), .200, .201. |
| Generic authority / consumer eligibility | Program authority and agency criteria do not establish an individual’s entitlement to a service, grant, legal representation, or debt relief. | Relevant consumer program and all individual predicates. | C004–C007, C012, C036, C085–C086, C112. |
| Approval / quality or outcome | Section 214.100(a) disclaims endorsement/warranty; review standards are not findings about actual performance. | Actual authorized review evidence, independently permitted in a different task. | C036, C073, C088–C091; S001; S003(e). |
| Regulatory review / 2026 statutory review | The regulation permits periodic reviews generally; the statute requires reviews for organizations receiving §1701x assistance. | Implementation and interaction in a particular decision. | C072–C075, C088; S001 §§214.203, .307–.309; S003(e)(6). |
| Approval appeal / assistance-renewal conference | Thirty-calendar-day written appeal receipt differs from at least sixty days’ prior notice and a timely requested informal conference for covered-assistance renewal. | Trigger, applicable route, service/counting details, actual decision. | C064, C078, C092–C093; S001 §§214.109, .205; S003(i)(3)–(4). |
| Regular certification / Tribal route | Subpart F has a limited program exception, different employment category, and separate transition; other HUD counseling returns to regular requirements. | Program connection, entity qualification, examination-availability event. | C022, C034–C035; S001 §214.600; S006, S018. |
| Current / historical wording | Current facility and certification requirements incorporate later amendments; older wording and superseded dates remain historical evidence only. | Unexamined later amendments, judicial construction, and identified anomalies. | C097–C111; S011–S025. |
This register includes every substantive quantity or legal time condition relied upon. Publication and compilation dates are separately identified below. No applicant, provider, financial, calendar, approval-probability, or performance model was calculated.
| ID | Exact clause; actor/object | Quantity, unit/base, boundary | Trigger, cumulative conditions, exceptions, counting convention, absent facts |
|---|---|---|---|
| M01 | S001 §214.3, LHCA; C024 | No more than 2 contiguous states; main office and one or more branches may be present. | Category geography, not proven service reach; adjacency and actual offices absent. |
| M02 | S001 §214.3, MSO; C025 | 2 or more states, through main office and branches. | Minimum state count; no inference that geographic wording alone resolves all organizational overlap. |
| M03 | S001 §214.3, intermediary; C023 | 2 named types: national and regional; national uses multiple regions. | No statutory numerical region map or actual geographic classification supplied. |
| M04 | S001 §214.103(b); C039 | Agency counseling experience at least 1 year. | Successful administration, not mere existence; calendar conversion and actual history absent. |
| M05 | Same; C039 | Intermediary capacity at least 1 year. | Specific intermediary function; not interchangeable with M04. |
| M06 | Same; C039 | Included affiliates/branches: successful counseling at least 1 year. | Applies in the specified application/participation relationships. |
| M07 | S001 §214.103(d); C041 | Functioning at least 1 year in work-plan geography. | Separate community-base predicate; actual geography/history absent. |
| M08 | S001 §214.103(g)(1); C044 | Funds or written commitment for initial 12 months of approval operations. | Resources due no later than approval; no fixed dollar amount or actual funding sufficiency. |
| M09 | S001 §214.103(g)(2); C045 | At least half of agency counselors; each counted counselor has at least 6 months in the proposed job. | Denominator is agency counselors, not all employees; all actual counseling staff also require certification. No rounding convention for a fractional headcount is supplied here. |
| M10 | S001 §214.103(l); C054 | At least 1 facility; requirements apply to all facilities. | Identified space, privacy/confidentiality, accessibility/alternatives; broader incorporated standards held. |
| M11 | S001 §214.103(n)(2); S003(e)(2); C057 | 6 examination subject areas, competence in each. | No score, test length, pass percentage, or general retake limit stated in this clause. |
| M12 | S001 §214.105(a); C060 | Single application for the specified controlled branches/affiliates. | Parent control over quality/type is material; SHFA exception remains. |
| M13 | S001 §214.107(a)–(b); C062 | Approval up to 3 years. | All §214.103 requirements; actual period stated by certificate. No guaranteed term or processing deadline. |
| M14 | S001 §214.109; C064 | Within 30 calendar days of written denial notice. | Revised application or written appeal; appeal also subject to §214.205. No actual notice or date. |
| M15 | S001 §214.200(a), (d); C065, C068 | Inactivity not exceeding 6 months, unless HUD extends. | Case-specific temporary impairment; extension duration not quantified here. |
| M16 | S001 §214.200(c); C067 | Notice when ready, no later than the end of inactivity. | Written notice/support; restoration follows HUD review/acceptance. No actual endpoint. |
| M17 | S001 §214.309(a); C074 | Unconditional reapproval up to 3 years. | Full performance compliance; permissive agency decision. |
| M18 | S001 §214.309(b); C075 | Conditional extension up to 120 calendar days. | Failure must not seriously impair counseling capability; not an automatic cure allowance. |
| M19 | S001 §214.309(e); C077 | Immediately, no numerical waiting period stated. | HUD determination of serious impairment; separate appeal/remedy questions remain. |
| M20 | S001 §214.205(b); C078 | HUD receives within 30 calendar days from date of decision letter. | Receipt by HUD, not mailing, is stated. No supplied holiday, deemed-receipt, or extension convention. |
| M21 | S001 §§214.103(m)(2), .203, .307; C056, C072–C073 | Periodic, without a fixed universal frequency. | Do not invent annual reapproval or a guaranteed review cadence. Statutory mandatory-review category remains C088. |
| M22 | S006 §4103(22)(A); C010 | IHA established before October 26, 1996, acting on October 26, 1996. | Both temporal conditions plus 1937 Act requirements, no superseding (B) action, and nontribal status are material. Underlying regime held. |
| M23 | S006 §4103(22)(B)–(C); C010 | One or more tribes may establish/authorize the stated entity. | Specified authorization and legal establishment route; no actual entity. |
| M24 | S001 §214.600(c); C022, C034 | 6 areas in Tribal examination, plus qualifying employment. | Same listed subject categories; separate program and certification predicates. |
| M25 | S001 §214.600(e); C035 | Later of 48 months from rule effectiveness or 30 days after examination availability. | HUD Federal Register announcement required; actual availability and counting details not verified. No date calculated. |
| M26 | S003(e)(7)(A); C089 | Residential design for between 1 and 4 families. | Lien plus specified insurance/guarantee predicates. Text’s “between” wording preserved; no property/unit-count methodology inferred. |
| M27 | S003(e)(8)(C); C091 | Not fewer than 2 retesting opportunities before the stated suspension route. | Continued lack of competence, required determinations, and area-capacity condition remain necessary. |
| M28 | S003(i)(3)(B); C093 | Not less than 60 days’ prior written notice. | Denial of renewal under that paragraph; no finalization until period ends. Not a universal approval-termination period. |
| M29 | S003(i)(3)(C); C093 | Written request within that notice period. | Triggers specified informal conference; no independent additional period or actual notice event. |
| M30 | S003(i)(2); C094 | Reimburse/return within 12 months after misuse determination; future ineligibility at any time after determination. | Secretary’s material-misuse determination and covered financial assistance; no consumer-debt effect. |
| M31 | S020 §1400(c); C106 | Final rules before end of 18-month period from designated transfer date; effect not later than 12 months after final issuance. | Separate default for provisions lacking rules at the eighteen-month point. Designated event and application unresolved; no calendar computation. |
| M32 | S013 original §214.103(n)(4); C099 | Historical 36 months after announced examination commencement. | Superseded ordinary-program transition; not current grace. |
| ID | Date/count and exact source | Legal or evidentiary function; limits |
|---|---|---|
| M33 | S001 A–C inventory: 2 + 5 + 4 sections, eleven total | Research inventory, not a legal threshold. |
| M34 | S011: published 9/28/2007, effective 10/29/2007 | Publication and legal commencement are distinct. |
| M35 | S001/S011 §214.100(b): approval on/before 10/29/2007; application on/before 9/28/2007 followed by approval; compliance 10/1/2007; approvals after 10/29/2007 must comply | Exact historical categories and chronological anomaly preserved. No operational date calculation or corrective inference. |
| M36 | S020: enacted 7/21/2010 | Enactment does not itself resolve every §1400(c) application question. |
| M37 | S012: published 12/7/2015; effective 1/6/2016 | Selected incorporation amendments. |
| M38 | S013: published 12/14/2016; effective 1/13/2017 | Certification rule adoption, distinct from later compliance. |
| M39 | S014: published 5/31/2017; examination 8/1/2017; then-compliance 8/1/2020 | Historical examination/transition sequence; compliance date superseded. |
| M40 | S015: published 8/5/2020; posting-effectiveness qualification; compliance 8/1/2021 | Actual posting event unverified. Valid-notice qualification preserved. |
| M41 | S016: final adoption effective 12/4/2020 | Interim change adopted without modification. |
| M42 | S017: correction effective 12/14/2020; correct historical comment closing 9/4/2020 | Publication correction, not new certification compliance or consumer deadline. |
| M43 | S018: published 6/12/2024; effective 7/12/2024 | Starts one limb of M25; the later-of result remains uncomputed. |
| M44 | S019: published 9/16/2024; effective 10/16/2024 | Facility/delivery revision commencement. |
| M45 | S021: became law 7/11/2026 | Enactment of selected statutory changes; no complete subsequent-law chain inferred. |
| M46 | S001–S002: initial 10/23/2026, refreshed selected pages 10/26/2026; Title 24 amendment banner 8/20/2026 | Compilation/editorial metadata, not the date every selected clause was amended. |
| M47 | S010: currency 10/26/2026, Title 2 amendment banner 8/17/2026 | Same metadata limitation. |
| M48 | S003–S006: P.L. 119-134, 10/20/2026; S007: P.L. 119-124, 10/15/2026 | Different statutory compilation bounds; no later-law completeness assertion. |
| M49 | S022: 2025 annual edition; attempted 2026 alternative unavailable | Edition distinction; no complete annual reading. |
| M50 | All source checks: 10/28/2026 PDT | Actual research access date, not issuance or effectiveness. |
| M51 | S024 opening: enactment header 12/31/1970 | Metadata read; material §903 body not retrieved. Other failed historical pages supply no verified operative quantities. |
No source-supported provider ranking, approval probability, minimum client outcome, universal fee amount, consumer savings percentage, or financial model was produced.
Status key: A = generic rule answered within the cited bounds; P = public-law dependency or construction remains partial; X = requested application/other regime excluded. Every actual application remains unresolved.
| Branch/status | Supported conditional rule, including material conditions | Exact claim/source | Missing evidence or authority | Adverse inference to avoid | Next permissible generic public-law inquiry |
|---|---|---|---|---|---|
| B01 — Scope unknown; A/P | If counseling is HUD-required, funded, required as an assistance condition, or a qualifying grantee referral, apply the stated connection rule, subject to the Tribal exception. | C004–C007, C034; S001 §214.1; S002 §5.111 | Relevant program category and complete program incorporation. | Every housing/debt-help provider is covered. | Read only the generic statute/regulation establishing the particular program connection. |
| B02 — Current original inaccessible; P | A failed endpoint cannot establish repeal or replace a successfully read body; use the recorded official alternative only within its bounds. | C001, C109–C110; S008, S022–S025 | Current §1701x-1 edition and unavailable older originals. | Inaccessibility means no authority exists. | Reopen the same official legal publications through ordinary public access. |
| B03 — Nonprofit/tax category unknown; A/P | Nonprofit criteria retain §12704(5)(A)–(C), exclude D, and coexist with the separately stated tax/governmental proof rules. | C008–C009, C038; S001 .103(a); S004–S005 | Complete applicable §501(c), §§502–503, and state organizational authority. | “Nonprofit” alone proves approval or all tax conditions. | Read the relevant generic tax category and denial clauses, without entity lookup. |
| B04 — Affiliate/branch relationship unknown; A | Separate incorporation and all affiliate conditions differ from subordinate branch status; a branch cannot also be an affiliate/subgrantee under the definition. | C018–C019, C026; S001 .3 | Organizational relationship, entirely absent. | A label establishes separate approval. | Compare the complete definitions with any further generic HUD classification instruction, if necessary. |
| B05 — Intermediary/LHCA/MSO unknown; A/P | Apply delivery/control/support predicates together with the stated geographic descriptions; geography alone is insufficient. | C023–C025; S001 .3 | Actual structure; authoritative resolution of any category overlap. | Two-state wording automatically determines the category. | Read a generic official interpretation of these category definitions. |
| B06 — SHFA category/request unknown; A/P | Only the defined statutory SHFA category receives §105(b)’s application exception, with request/assurance or announced alternative procedure. | C030, C061; S001 .3, .105(b); S003(h)(5) | Generic constituting authority and any current alternative procedure. | Every governmental body is exempt from approval procedures. | Read the public SHFA-category statute and any generic Federal Register procedure. |
| B07 — Experience and community base unknown; A | One-year program/intermediary experience and one-year functioning in work-plan geography are distinct cumulative requirements for their specified actors. | C039, C041; S001 .103(b), (d) | Relevant type, success, duration, and geography. | Organizational age alone satisfies both. | Examine generic instructions explaining these criteria, without application records. |
| B08 — Ineligibility predicate unknown; A/P | The specified restriction, qualifying indictment/conviction, or unresolved government finding disqualifies under the criterion only within its stated actors and conditions. | C040; S001 .103(c) | Applicable exclusion authority and all actual predicates. | A rumor, allegation, or unrelated offense proves ineligibility. | Read only the relevant generic exclusion standard; no record/party search. |
| B09 — Records/CMS criteria unknown; A/P | Established reviewable/confidential records and a HUD-compatible automated tracking system are required; broader incorporated controls remain separate. | C042–C043, C087; S001 .103(e)–(f), .315(g) | Full incorporated requirements and any actual implementation. | Approval proves privacy/security compliance. | Read narrowly necessary 2 CFR 200 or cited civil-rights record clauses in a separate component. |
| B10 — Financial capacity unknown; A | At approval, available funds or a written commitment must cover the initial twelve-month plan operations. | C044; S001 .103(g)(1) | Costs, resources, commitment, and approval event—all absent. | Federal approval guarantees funding or solvency. | Read generic evidence instructions for §103(g)(1), not financial records. |
| B11 — Staff certification/experience unknown; A | Training, certification of all counseling staff, and the half-of-counselors/six-month experience test are cumulative. | C021, C045, C057–C059; S001 .103(g)(2), (n) | No staff, work, examination, or certification evidence. | An examination pass alone establishes complete current status. | Read generic certification-verification and employment-condition instructions. |
| B12 — Language capability unknown; A | Fluency, interpreter use, or referral is an alternative structure, not proof of immediate service in a language. | C046; S001 .103(g)(3) | Service needs and actual capability absent. | Every agency must personally employ every language capability. | Read generic implementation guidance for the alternative paths. |
| B13 — Program knowledge unknown; A | Mandatory working knowledge and “should” familiarity have different force. | C047; S001 .103(h) | Actual staff knowledge absent. | A suggested familiarity becomes a separately proven mandatory credential. | Read any generic official explanation of the knowledge criterion. |
| B14 — Contracting-out exception unknown; A/P | Demonstrated unmet geographic need, absence of the specified network, contractor eligibility, allocated duties, and prior written HUD approval must all be satisfied. | C048–C049; S001 .103(i)(1) | Every exception predicate; no geographic/provider inquiry authorized. | Any contract is permitted because a service is useful. | Read generic HUD approval instructions for this exception only. |
| B15 — Affiliate agreement or individual network; A/P | Affiliate agreements need accountability/monitoring detail; individual-counselor networks require prior discretionary HUD approval for a HUD-identified special need. | C050–C051; S001 .103(i)(2)–(3) | Full grant-rule incorporation and authorized generic special-need standard. | Informal letters eliminate substantive controls. | Read the narrow 2 CFR 200 monitoring clause or generic special-network instruction. |
| B16 — Referral/community/local operation; A/P | Community referral relationships and state/local operational compliance are separate approval criteria. | C052–C053; S001 .103(j)–(k) | State/local law and actual relationships absent. | Federal participation supplies every required license. | Identify the relevant generic licensing/operational law in a separately authorized component. |
| B17 — Facility/accessibility unknown; A/P | At least one facility and all stated space/privacy/access conditions remain required after the modernization amendment. | C054, C104; S001 .103(l); S019 | Complete incorporated accessibility standards and actual facilities. | Remote counseling eliminates facility/accessibility duties. | Read the exact generic accessibility clause only if that separate issue becomes necessary. |
| B18 — Work-plan content/change unknown; A | The plan must contain all listed elements, be periodically reviewed, and be supplied to HUD when changed; anticipated outcomes are not measured results. | C027, C055–C056; S001 .103(m) | No plan, change, resource, or outcome evidence. | Stated goals prove performance or permissible fees. | Read generic work-plan instructions; retain §214.313 outside this pass. |
| B19 — Counseling/education/reverse category; A | Tailored counseling and group education differ; action-plan exception is specific to reverse mortgages; group educators must offer corresponding individual counseling. | C011–C017, C032, C080, C083; S001 .3, .300(a) | Actual service category and performance absent. | A class is individualized counseling or every plan can be omitted. | Read only generic service-category interpretation if classification remains disputed. |
| B20 — Remote format/national reach; A/P | Remote formats remain subject to geography, resources, knowledge, accessibility, and requested in-person referral; national special-needs delivery requires prior approval. | C081–C082, C085; S001 .300(a)(3)–(6), .303(e) | Approval/work-plan predicates and full accessibility law. | An online format permits unrestricted national service. | Read a generic instruction implementing the specific format or special-network clause. |
| B21 — Application versus approval; A | Required submission and evidence do not establish approval; the all-criteria decision produces the letter/certificate and stated period. | C060–C062; S001 .105, .107 | All application and decision facts absent. | Filing or possessing a blank form means approval. | Examine generic prescribed application instructions only if necessary later. |
| B22 — Listing/current status unknown; A/X | Listing is a referral mechanism and may be removed/restored through status procedures. | C063, C066–C070; S001 .107(c), .200–.201 | No roster or status record examined. | A historical listing proves active status or available service. | Clarify generic legal effect of listing; actual lookup remains excluded. |
| B23 — Denial and appeal route; A/P | Written reasons, revised-application option, and timely written appeal apply with the separate §109 and §205 wording preserved. | C064, C078–C079; S001 .109, .205 | Applicable decision, date, receipt, counting/service authority. | Mailing within thirty days necessarily suffices or appeal automatically stays action. | Read a generic procedural provision addressing receipt/counting, if one governs. |
| B24 — Temporary impairment/inactivity; A | HUD may use inactivity for temporary impairment on request or information, generally no more than six months unless extended. | C065–C066; S001 .200(a)–(b) | Impairment, request, and decision absent. | Loss of funds automatically creates inactive status. | Read generic documentation instructions for §200, without agency records. |
| B25 — Resumption/extension; A | Written notice/support is due when ready or by period end; HUD review precedes possible restoration; persistence permits extension or termination/removal. | C067–C068; S001 .200(c)–(d) | Actual condition/end date/acceptance absent. | Time passage automatically restores standing. | Read generic resumption and extension instructions. |
| B26 — Termination/certificate; A/P | A confirmed listed ground permits the stated status/grant actions; written termination/withdrawal and certificate rules follow. | C069–C071; S001 .201 | Confirmed ground, appropriate actor, decision, and other-law procedure. | A complaint automatically terminates approval or grants consumer relief. | Read the applicable generic termination/exclusion procedure only. |
| B27 — Reapproval/review; A/P | End-of-period reapproval language is conditioned by the review language and incorporated performance outcomes, plus the later statutory recipient-review duty. | C072–C074, C088; S001 .203, .307–.309; S003(e)(6) | Compliance, review, assistance category, decision absent. | Approval renews indefinitely or all reviews are optional. | Read generic implementation of the 2026 review amendment. |
| B28 — Conditional extension/serious impairment; A | Nonserious failure permits up to 120 calendar days; serious impairment permits immediate termination; follow-up and appeal routes remain distinct. | C075–C078; S001 .309(b)–(f) | HUD’s impairment determination and any correction absent. | Every deficiency guarantees a 120-day cure period. | Read generic criteria explaining serious impairment, if officially supplied. |
| B29 — Statutory performance comparison; A/P | The optional comparison is limited to specified prepurchase counselors, assisted organizations, covered loans, comparable markets, and appropriate factors. | C088–C090; S003(e)(6)–(7) | Full insurance/guarantee chain and methodology; all actual data absent. | A default rate alone proves counselor quality or causation. | Read generic implementing standards for (e)(7), without datasets or personnel records. |
| B30 — Competence action/retesting; A/P | The competence and capacity findings precede the staged actions; suspension has the stated minimum retesting opportunity predicate. | C091; S003(e)(8) | Implementing construction of “may”/“required,” competence/capacity standards. | Examination history alone proves a lawful suspension. | Read only generic adopted implementation or official construction of (e)(7)–(8). |
| B31 — Financial-assistance renewal; A/P | Nonrenewal under (i)(3) requires the review/regulatory predicates, at least sixty days’ notice, and a conference upon timely written request. | C092–C093; S003(i)(3)–(4) | Assistance classification, implementing regulation, notice/counting details. | This notice automatically governs every approval termination. | Read generic implementation distinguishing grant renewal from program approval. |
| B32 — Material misuse; A/P | The separate material-misuse determination triggers repayment/return and future covered-assistance ineligibility, with other remedies preserved. | C094; S003(i)(2), (4) | Authorized determination and assistance conditions absent. | Every discrepancy means permanent program expulsion or debt forgiveness. | Read generic assistance-accountability procedure if necessary. |
| B33 — Tribal/program exception; A/P | Only the specified IHBG/ICDBG connection invokes §600’s exception; other HUD counseling requires regular certification and participation. | C022, C034; S001 .600(a)–(d); S006 | Program and entity definitions, with uncompleted underlying regimes. | All tribal counseling is exempt from Part 214. | Read the exact generic program-connection/recognition clause needed. |
| B34 — Tribal transition unknown; P | The later-of rule requires both rule-effectiveness and examination-availability events to be understood; no deadline can be supplied from one alone. | C035, C103; S001 .600(e); S018 | Official examination-availability announcement and counting authority. | Forty-eight months alone fixes the actual deadline. | Locate the generic Federal Register examination-start notice, without counselor lookup. |
| B35 — Historical dates/text conflict; P | Preserve the 2007 compliance chronology and other literal anomalies instead of silently repairing them. | C097, C111; S001, S011, S020 | Official correction or narrowly applicable construction. | An apparent drafting error authorizes an invented deadline or substantive rule. | Search only official correction/adoption text for the precise clause. |
| B36 — Broader exclusion/remedy regime; P/X | Part 24 redirects to supplemented 2 CFR Part 180 rules; the selected reference does not establish the complete proceeding. | C071, C079; S009–S010 | Complete relevant exclusion procedure and jurisdiction. | A citation alone proves a sanction, stay, or private remedy. | Read the indispensable generic Part 2424/180 clauses in a separate focused inquiry. |
| B37 — Approval/certification terminology; A/X | Neither status implies HUD endorsement/warranty; each has specific legal predicates. | C020–C022, C036, C112; S001 .3, .100(a) | All actual standing, licensing, quality, and independence evidence absent. | “HUD-approved” means universally legitimate, suitable, or successful. | Clarify only the generic statutory meaning of the separate credential or license. |
| B38 — Funding and outcome; A/X | Approval does not guarantee grants; statutory authorization and no-additional-funds language do not establish an appropriation or award. | C086, C108; S001 .311(a); S021 §1202 | Actual appropriation/award and consumer outcome absent. | Approval guarantees money, free service, savings, or relief. | Read the generic funding authority only if separately necessary; no award/recipient search. |
| B39 — Outside-subpart service/fee/privacy; P/X | Only identified narrow D clauses were used; fees, full service standards, data handling, and grant administration require their own authority. | C042, C055–C056, C080–C087, C112 | Full downstream regimes intentionally unexamined. | This pass certifies fees, privacy, complaints, or all service duties. | Separate §214.313, remaining D/E, or another exact public-law component if later authorized. |
| B40 — Other A090 help and personal application; X | The selected program framework cannot establish actual eligibility, representation authority, service availability, or an individual outcome. | C004, C036, C053, C086, C112 | All actual facts and other directory/regime evidence. | Housing-program approval resolves legal aid, tax, medical, military, emergency, or debt-relief suitability. | Identify the separate generic public authority for the relevant help category; no provider search here. |
This is a blank public-law reference structure. It is not an intake form, provider-verification record, ranking, application, or decision instrument. All entry cells are intentionally empty.
| Analytical field label | Authority entry | Evidence entry | Analysis | Result |
|---|---|---|---|---|
| Source title and authority | ||||
| Source version/compilation | ||||
| Legal publication status | ||||
| Actual access/read bounds | ||||
| Statutory versus regulatory category | ||||
| Generic counseling category | ||||
| Generic organizational category | ||||
| Generic individual certification category | ||||
| Governing program connection | ||||
| Incorporated definition | ||||
| Organizational/tax predicate | ||||
| Experience predicate | ||||
| Geographic/community predicate | ||||
| Resource/capacity predicate | ||||
| Staffing/certification predicate | ||||
| Language/referral predicate | ||||
| Facility/accessibility predicate | ||||
| Work-plan requirement | ||||
| Contracting exception | ||||
| Application procedure | ||||
| Approval/status category | ||||
| Review/reapproval category | ||||
| Inactivity/resumption category | ||||
| Termination/withdrawal category | ||||
| Appeal or conference route | ||||
| Quantity/unit/base | ||||
| Trigger/counting convention | ||||
| Historical/current transition | ||||
| Statutory/regulatory interaction | ||||
| Other-law limit | ||||
| Missing public authority | ||||
| Unresolved application boundary | ||||
| Exact next generic inquiry |
Branch-specific coverage, missing predicates, and next inquiries are additionally recorded individually in B01–B40.
| User question/material subquestion | Status and finding | Claim/source/branch crosswalk | Missing evidence and exact next permissible inquiry |
|---|---|---|---|
| 1.1 Complete A/B/C organization | Answered. Eleven complete sections; no invented reserved bodies. | C001–C002; S001; §1 inventory | No source-body gap for selected A–C. |
| 1.2 Authority/source credits/current display | Answered with currentness limit. Current compilation and source credits distinguished from adopted law. | C001, C003, C097–C110; S001–S025 | Post-display later-law/judicial chain not certified; examine only new official legal publications if necessary. |
| 1.3 Whole versus selected extent | Answered. Whole A–C; specified narrow outside clauses; no whole Part/statute claim. | Source register; C080–C087 | Remaining D/E excluded; use exact clause pointers rather than extend this report. |
| 2.1 All §214.3 definitions | Answered. Every defined category inventoried and materially mapped. | C011–C033; S001; B04–B06, B19 | Actual classifications absent. |
| 2.2 Nonprofit/tax incorporation | Partial. §12704(5) complete; §501 complete relevant gateway but not full tax taxonomy/denial chain. | C008–C009, C038; S004–S005; B03 | Read applicable generic §501(c), §§502–503 before a dependent tax conclusion. |
| 2.3 Counseling/HUD connection | Answered at selected level. Three §5.100 definitions and complete §5.111 read; statutory g(1) read. | C004–C007, C013–C017; S002–S003; B01, B19 | Underlying enumerated program eligibility remains held. |
| 2.4 Tribal definition/exception | Partial. Complete §600 and §4103(22); recognition dependencies not completed. | C010, C022, C034–C035; S006, S018; B33–B34 | Narrow recognition/program clauses and exam-start announcement, if needed. |
| 2.5 Statutory authority | Partial. Main authority and delegation clause read; §1701x-1 current compilation unresolved. | C003, C006–C010, C096, C109; S003–S010 | Ordinary reopening of current official §1701x-1 and its relevant notes. |
| 3.1 Organizational/experience/ineligibility criteria | Answered textually. All §103(a)–(d) conditions mapped. | C037–C041; S001; B03, B07–B08 | Actual facts absent; full tax/exclusion regimes held. |
| 3.2 Records and client-management criteria | Partial incorporation. Exact requirements mapped; full external controls not read. | C042–C043, C087; B09 | Narrow generic incorporated controls, not records inspection. |
| 3.3 Resources/staff/language/knowledge | Answered textually. Alternatives and cumulative predicates retained. | C044–C047; B10–B13 | No financial, personnel, service, or knowledge findings. |
| 3.4 Contracting exceptions | Answered textually; incorporation partial. All three alternatives preserved. | C048–C051; B14–B15 | Relevant 2 CFR 200 monitoring provisions and generic approval instructions. |
| 3.5 Community/local/facility/work plan | Answered textually; other-law merits held. | C052–C056; B16–B18 | State/local law, full accessibility law, actual implementation absent. |
| 3.6 Individual certification | Answered for selected ordinary route; Tribal timing partial. | C021–C022, C034–C035, C057–C059; B11, B33–B34 | No actual certification; Tribal exam event remains unknown. |
| 3.7 Approval versus other qualifications | Answered boundary. No licensing, grant, legal-representation, consumer-eligibility, or outcome finding. | C036, C053, C086, C112; B37–B40 | Separate public authority needed for each other consequence. |
| 4.1 Ordinary application | Answered. Prescribed submission and controlled-network single application. | C060; S001 .105(a); B21 | Actual forms/applications excluded. |
| 4.2 SHFA procedure | Partial. Regulatory alternative complete; later generic announced procedures not surveyed. | C061; B06 | Read only an applicable public procedural announcement. |
| 4.3 Approval/duration/notice/listing | Answered. Conditional “will,” up-to term, letter/certificate, permissive listing distinguished. | C062–C063; B21–B22 | No decision, term, listing, or service availability established. |
| 4.4 Denial/revision/appeal | Answered textually; counting details unresolved. | C064, C078–C079; B23 | Exact generally applicable service/counting rule, if any. |
| 5.1 Inactive status | Answered. Grounds, written procedure, period, restoration, and extension distinctions. | C065–C068; B24–B25 | No actual condition/status/event. |
| 5.2 Termination/withdrawal | Answered selected text; exclusion regime partial. | C069–C071; B26, B36 | Full relevant Part 2424/180 procedure remains separate. |
| 5.3 Reapproval/performance | Answered selected regulation. Complete .203, .307, .309 read. | C072–C078; B27–B28 | Actual compliance/review absent. |
| 5.4 2026 statutory review qualification | Answered statutory text; implementation partial. | C088–C091, C107; S003, S021; B29–B30 | Generic implementing standards and “may/required” construction unresolved. |
| 5.5 Financial-assistance renewal | Answered statutory distinction; procedure application partial. | C092–C094; B31–B32 | Actual assistance/decision absent; implementing procedure/counting held. |
| 5.6 Other continued-participation duties | Excluded except named incorporations. No full D/E investigation. | C080–C087, C112; B39 | Exact remaining clause must be separately examined before reliance. |
| 6.1 Original Part 214 adoption | Answered within selected original bounds. Complete original A–C and DATES read. | C097; S011; B35 | Chronological anomaly unresolved; seek official correction/construction only. |
| 6.2 2015–2024 material revisions | Answered selected adopted clauses. Includes 2020 final adoption and correction. | C098–C104; S012–S019 | No complete judicial or later-history audit. |
| 6.3 2010 statutory amendments/transition | Partial. Selected adopted clauses complete; designated-transfer-date chain not completed. | C105–C106; S020 | Read exact designated-transfer/application authority before any date calculation. |
| 6.4 2026 statute | Answered selected enacted text; later implementation held. | C107–C108; S021 | No whole Act/later judicial chain claimed. |
| 6.5 Older original statutes | Unresolved access. Failures preserved. | C109; S023–S025 | Reopen official originals by ordinary access; no inference from failure. |
| 7.1 Approval/certification meaning | Answered. Express no-warranty/no-endorsement limitation. | C036, C112; B37 | No actual provider standing/quality conclusion. |
| 7.2 Actual status, licenses, complaints, languages, privacy, outcomes | Excluded as requested. | C046, C053–C054, C063, C087, C112; B09, B12, B16–B17, B22, B37–B40 | No identifying/provider inquiry authorized. |
| 7.3 Fees and Subpart D boundary | Answered scope boundary. §214.313 and prior handbook findings not adopted. | C055–C056, C080–C087; B39 | Separate focused public-law reading required for fee conclusions. |
| 8.1 Requested comparisons | Answered within source limits. All requested distinctions appear in §4. | C020–C112; comparison table | Handbook legal status not generalized from an unread document. |
| 8.2 Other directories/help categories | Excluded. | C112; B40 | Separate generic authority and separately authorized provider inquiry would be required. |
| 9.1 Complete relied-on measurements | Answered. M01–M51 preserve units, triggers, exceptions, and missing facts. | Measurement register | No actual calculation or score. |
| 9.2 Dates versus legal effect | Answered with identified gaps. | C097–C110; M31–M51 | Posting event, Tribal exam event, older history, and transfer-date chain remain open. |
| 9.3 Counting/service conventions | Unresolved where not supplied. No invented mailbox, holiday, or extension rule. | C064, C078, C093; M14, M20, M28–M29 | Read only the exact generally applicable procedural rule if needed. |
| 10.1 Conditional branches | Answered. Forty substantive branches, each with authority, missing predicate, adverse inference, and next generic inquiry. | B01–B40 | Actual applications remain excluded. |
| 10.2 Blank worksheet | Answered. All authority/evidence/analysis/result cells empty. | §7 | No completed record or decision instrument. |
| Visible evidence/logs/self-check | Answered with explicit limitations. | §§2–10 | No independent review, operational acceptance, or publication acceptance claimed. |
| Reading group | What was actually completed | What was not claimed |
|---|---|---|
| Current Part 214 | Whole A–C, all definitions and nested criteria; specified narrow D/F clauses. | Whole Part 214, all service/fee/grant/civil-rights rules, or a provider review. |
| Current statutory authority | Recorded complete clauses of §1701x; §12704(5); §3535(d); TDHE/related definitions; limited §501 gateway. | Whole housing, tax, tribal-recognition, grant, insurance, or exclusion regimes. |
| Adopted Part 214 history | Original A–C; selected complete 2015, 2016, 2020, and 2024 amendatory instructions; 2017 examination notice; 2020 correction. | Entire preambles, all comments, all Parts amended by those instruments, or judicial validation. |
| Selected statutory history | Recorded 2010 clauses and transition; 2026 §101(1)–(3), severability and no-additional-funds clauses. | Entire Acts or exhaustive earlier/later amendment chain. |
| Older official alternatives | Undated §1701x-1 extract and 2025 CFR opening metadata. | Authenticated current §1701x-1 edition or complete annual-CFR A–C reading. |
| Search results | Citation/title discovery only. | Search snippets, mirrors, or incidental unrelated results as operative legal evidence. |
| PDF handling | Parsed text with printed-page and zero-based-index references. | Pixel inspection, unseen pages, completed forms, or whole-file visual review. |
| Endpoint(s) | Observed result and retained limit | Readable alternative/result |
|---|---|---|
| https://www.federalregister.gov/citation/72-FR-55648 | 429 Too Many Requests. | S011 GovInfo original PDF/HTML read. |
| https://www.federalregister.gov/citation/89-FR-49807 | 400 timeout. | S018 GovInfo PDF read. |
| https://www.federalregister.gov/citation/80-FR-75936 | 503 unavailable. | S012 GovInfo PDF read. |
| https://www.govinfo.gov/content/pkg/CFR-2026-title24-vol2/pdf/CFR-2026-title24-vol2-part214.pdf | Not accessible. | Current eCFR read; 2025 annual opening only, S022. |
| https://uscode.house.gov/us/usc/t12/s1701x-1/ https://uscode.house.gov/us/usc/119-134/t12/s1701x-1/ | Not accessible. | S008 readable official extract, edition unknown. |
| https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title12-section1701x-1&num=0&edition=prelim | Maintenance response after normalization/redirect. | Same S008 limitation; no bypass attempted. |
| https://uscode.house.gov/us/usc/119-134/t42/s3535/ | Not accessible. | S007, displayed October 15 compilation, read. |
| https://www.govinfo.gov/content/pkg/FR-2024-06-12/html/2024-12777.htm | Not accessible. | S018 PDF read. |
| https://www.govinfo.gov/content/pkg/FR-2015-12-07/html/2015-29692.htm | Not accessible. | S012 PDF read. |
| https://www.govinfo.gov/content/pkg/FR-2020-12-04/html/2020-26194.htm | Not accessible. | S016 PDF read. |
| https://uscode.house.gov/statviewer.html?page=490&volume=82 https://uscode.house.gov/statviewer.html?page=1808&volume=84 https://uscode.house.gov/statviewer.html?page=3719&volume=106 | Viewer shells without readable adopted bodies or inspected pixels. | No original-clause reading credited. |
| https://www.govinfo.gov/link/statute/82/490 https://www.govinfo.gov/link/statute/84/1808 https://www.govinfo.gov/link/statute/106/3719 | Not accessible. | Earlier statutory-history gaps retained. |
| https://www.govinfo.gov/content/pkg/STATUTE-82/pdf/STATUTE-82-Pg476.pdf | Content too large for retrieval. | S023 remains discovery/failure only. |
| https://www.govinfo.gov/content/pkg/STATUTE-84/pdf/STATUTE-84-Pg1770.pdf | Opening title text succeeded; later material-clause find/open attempts timed out. | S024 limited to actual opening read; §903 not credited as read. |
| https://www.govinfo.gov/content/pkg/STATUTE-106/pdf/STATUTE-106-Pg3672.pdf | Content too large for retrieval. | S025 remains discovery/failure only. |
| https://www.federalregister.gov/documents/2020/12/14/2020-27284/housing-counseling-program-revision-of-the-certification-timeline-correction | A candidate endpoint failed; its document number was not authenticated. | The actual correction was subsequently identified and read as S017, document 2020-27145. The failed candidate is not cited as the correction’s identity. |
| https://uscode.house.gov/us/usc/119-134/t12/s1701x/ | One direct reopen failed after earlier successful complete selected reads. | A subsequent selected read succeeded. Both success and transient failure are preserved. |
| eCFR pages in S001–S002, S009–S010 | “Unsupported browser” banner appeared, but the legal bodies were readable. | This was not classified as failure to read the bodies or as a security barrier. |
No access failure was treated as repeal, withdrawal, absence of protection, a quota event, or permission to circumvent a control.
| Gap | Exact limit | Permissible next generic inquiry |
|---|---|---|
| Currentness after displayed cutoffs | No exhaustive post-October-20 statutory or post-October-26 regulatory/judicial chain certification. | Read later official adopted publications affecting the exact selected provisions, without party/case searches. |
| Older original statute history | Material 1968/1970/1992 originals not fully retrieved. | Ordinary official-publication reopening of the precise adopted clauses and application notes. |
| Section 1701x-1 edition | Complete official extract read, but current edition not authenticated. | Reopen current OLRC body/notes and compare with the selected 2010 enactment. |
| Tax and organizational qualification | Full §501(c), §§502–503, and relevant state-law incorporation not completed. | Narrow generic tax/organizational clauses; no entity status search. |
| Tribal recognition and transition | Underlying recognition/1937 Act chain and examination-availability announcement not completed. | Exact public definition/application clauses and generic Federal Register examination notice. |
| Grant/exclusion/civil-rights/accessibility incorporation | Full 2 CFR 200, 2 CFR 180/2424, 24 CFR 1.6/121, disability-access, and privacy regimes not analyzed. | Only the complete narrow clause needed for a separately scoped conclusion. |
| 2026 implementation | No complete implementation or construction of the review, competence, or financial-assistance-renewal provisions. | Generic adopted HUD implementation and exact procedural clauses. |
| Textual discrepancies | 2007 chronology, statutory/regulatory wording differences, and literal cross-reference anomalies remain unresolved. | Official correction or narrowly necessary generic legal construction; no silent repair. |
| Actual participant and consumer matters | All actual status, records, applications, service availability, resources, outcomes, and individual eligibility absent. | No actual inquiry is authorized by this pass. |
| Remaining A090 and Subpart D subjects | Fees, full services/recordkeeping, legal aid, other help categories, and provider directories remain outside scope. | A distinct public-law component, if separately requested; prior reports are not premises. |
| Check | Result |
|---|---|
| Independent foundation | Current public originals and recorded official alternatives were used; earlier reports were not adopted. |
| Complete selected regulatory reading | Complete Subparts A–C read, including all definitions, criteria, exceptions, status provisions, and appeal wording. |
| Outside-subpart restraint | Each relied-on outside clause is identified; §214.313 fees and a full D/E investigation remain excluded. |
| Current statutory qualification | The 2026 review, competence, and financial-assistance-renewal amendments were read in both the current Code and selected enacted body. |
| Numbers and dates | Quantities, denominators, timing events, historical dates, exceptions, and absent counting conventions are visible in M01–M51. |
| Source honesty | Successful reads, incomplete originals, failed endpoints, displayed cutoffs, and parsed-text limits are preserved. |
| Application restraint | No provider, counselor, roster, application, account, record, actual decision, or fictional scenario was queried or created. |
| Terminology restraint | Approval, certification, participation, licensing, funding, listing, service quality, and consumer outcome remain distinct. |
| Deliverables | Source and claim registers, comparisons, measurement register, forty branches, blank worksheet, granular coverage, failure log, and gaps are visible in this answer. |
| Review/acceptance status | This is a researcher self-check only. No independent review, component/parent acceptance, operational approval, or publication acceptance is claimed. |
END R090 PASS-01.
Captured cells with original header handling and explicitly labeled bounded correction overlays. Downloaded JSON retains original cells. Tables may contain source limitations, historical examples and identified corrections; the complete reading supplies context.
Read the evidence with its boundaries. These are saved research components, including revisions. A scoped coordinator review checks selected evidence; it does not certify every claim, a complete jurisdiction, current law or individual applicability. Dates and access limits remain attached to the records.
Subpart · Actual heading · Sections actually present and read completely · 6 data rows
| Subpart | Actual heading | Sections actually present and read completely | Boundary |
|---|---|---|---|
| A | General Program Requirements | 214.1 — Purpose; 214.3 — Definitions | Both complete, including all definitions, examples, and qualifications. |
| B | Approval and Disapproval of Housing Counseling Agencies | 214.100 — General; 214.103 — Approval criteria; 214.105 — Preliminary application process; 214.107 — Approval by HUD; 214.109 — Disapproval by HUD | All five complete. |
| C | Inactive Status, Termination, and Appeals | 214.200 — Inactive status; 214.201 — Termination of HUD-approved status and grant agreements; 214.203 — Re-approval or removal as a result of a performance review; 214.205 — Appeals | All four complete. |
| Inventory result | Selected range | Eleven sections | No reserved section was displayed within A–C. Gaps in numbering were not treated as invented or reserved bodies. |
| Narrow incorporated readings outside A–C | Selected clauses only | 214.300(a)(1)–(10); 214.303(e); 214.307(a)–(b); 214.309(a)–(f); 214.311(a); 214.315(g); 214.600(a)–(e) | Reasons for each inclusion appear in the source and claim registers. Other Subpart D duties, including 214.313 fees, were not adopted into this investigation. |
| Separate reservation observed | Subpart F | 214.601 [Reserved] | This is outside A–C; it is not an additional approval provision. |
Source ID; issuer/title · Complete literal HTTPS URL · Exact read extent and pinpoints · 10 data rows
| Source ID; issuer/title | Complete literal HTTPS URL | Exact read extent and pinpoints | Displayed version, legal status, effective/application boundary, and limits |
|---|---|---|---|
| R090-P1-S001 — HUD; eCFR, 24 CFR Part 214, Housing Counseling Program | https://www.ecfr.gov/current/title-24/subtitle-B/chapter-II/subchapter-B/part-214 https://www.ecfr.gov/current/title-24/subtitle-B/chapter-II/subchapter-B/part-214/subpart-A https://www.ecfr.gov/current/title-24/subtitle-B/chapter-II/subchapter-B/part-214/subpart-B https://www.ecfr.gov/current/title-24/subtitle-B/chapter-II/subchapter-B/part-214/subpart-C | Complete A, B, C. Also complete narrow clauses listed in §1 above. Authority/source lines read. Other D/E material sometimes appeared adjacent to selected text but was not adopted as a complete investigation. | Initial part display: through 10/23/2026. Refreshed A–C: through 10/26/2026; Title 24 last amended 8/20/2026. eCFR describes itself as authoritative but unofficial, not an official legal edition. Underlying codified regulations are distinguished from that publishing status. Principal source credit: 72 FR 55648, 9/28/2007, with section-specific amendments. Access: 10/28/2026 PDT. ecfr.gov +3 |
| R090-P1-S002 — HUD; 24 CFR 5.100 and 5.111 | https://www.ecfr.gov/current/title-24/subtitle-A/part-5/subpart-A/section-5.100 https://www.ecfr.gov/current/title-24/subtitle-A/part-5/subpart-A/section-5.111 | Complete definitions of homeownership counseling, housing counseling, rental housing counseling; complete 5.111(a), (b)(1)–(4). Not all Part 5 definitions or programs. | Initial definition-page currency 10/23/2026; refreshed §5.111 10/26/2026. Selected adopted provisions traced to 81 FR 90657. Same eCFR publication limitation. Access 10/28 PDT. ecfr.gov +2 |
| R090-P1-S003 — Congress/OLRC; 12 U.S.C. 1701x, Assistance with respect to housing for low- and moderate-income families | https://uscode.house.gov/us/usc/119-134/t12/s1701x/ https://uscode.house.gov/us/usc/t12/s1701x/ | Complete (a)(1), (a)(2), (a)(4); (e)(1)–(8); (f)(1)–(7); (g)(1)(A)–(C); (h)(1)–(5); (i)(1)–(4) and selected relevant credits/notes. Reliance on (f) limited principally to examination authority in (f)(4). Other program, funding, and newly added (j) material not used to make consumer-entitlement claims. | Display: laws in effect through P.L. 119-134, October 20, 2026. Current official Code compilation; not a complete later-law/judicial audit. Successful reads preceded one failed reopen; subsequent selected access succeeded. Access 10/28 PDT. uscode.house.gov +3 |
| R090-P1-S004 — Congress/OLRC; 42 U.S.C. 12704, Definitions | https://uscode.house.gov/us/usc/119-134/t42/s12704/ | Complete (5)(A)–(D), including the subparagraph expressly excluded by Part 214. Other definitions not adopted. | P.L. 119-134, 10/20/2026 compilation. Access 10/28 PDT. Original enactment chain not independently completed. uscode.house.gov |
| R090-P1-S005 — Congress/OLRC; 26 U.S.C. 501 | https://uscode.house.gov/us/usc/119-134/t26/s501/ | Complete (a), (b) and introductory text of (c); (c)(1)–(2) also displayed. The full taxonomy in (c), and §§502–503, were not read. | P.L. 119-134, 10/20/2026. Used to preserve the tax-status incorporation and its limits, not to resolve tax qualification. Access 10/28 PDT. uscode.house.gov |
| R090-P1-S006 — Congress/OLRC; 25 U.S.C. 4103, Definitions | https://uscode.house.gov/us/usc/119-134/t25/s4103/ | Complete (13)(A)–(C) and (22)(A)–(C). Reliance is the TDHE definition and identification of further tribal-recognition/1937 Act dependencies. Those underlying regimes were not completed. | P.L. 119-134, 10/20/2026. No actual tribal/entity recognition finding. Access 10/28 PDT. uscode.house.gov +1 |
| R090-P1-S007 — Congress/OLRC; 42 U.S.C. 3535, Administrative provisions | https://uscode.house.gov/us/usc/119-124/t42/s3535/ | Complete (d), delegation, redelegation, and rulemaking authority. No actual delegation instrument or official occupant investigated. | Display P.L. 119-124, October 15, 2026—a different cutoff from S003. Later requested compilation endpoint failed. Access 10/28 PDT. uscode.house.gov +1 |
| R090-P1-S008 — Congress/GovInfo; 12 U.S.C. 1701x-1, Home inspection counseling | https://www.govinfo.gov/link/uscode/12/1701x-1 | Complete section extract (a)(1)(A)–(D), (a)(2)–(3), (b), (c), (d) and credit. Printed 488, PDF index 0. | Official readable Code extract, but edition not displayed in retrieved body. Current OLRC routes failed. Used only for the authority subject and selected historical comparison; present compilation authentication remains partial. Access 10/28 PDT. govinfo.gov +1 |
| R090-P1-S009 — HUD; 24 CFR Part 24 | https://www.ecfr.gov/current/title-24/subtitle-A/part-24 | Complete 24.1 directing the reader to 2 CFR Part 2424 for debarment, suspension, and limited denial of participation. | eCFR through 10/26/2026; Title 24 last amended 8/20/2026. Part 24 is not treated as an empty or reserved part. Access 10/28 PDT. ecfr.gov |
| R090-P1-S010 — HUD; 2 CFR 2424.10 | https://www.ecfr.gov/current/title-2/subtitle-B/chapter-XXIV/part-2424/section-2424.10 | Complete section adopting 2 CFR Part 180, Subparts A–I, as supplemented by Part 2424. The adopted regimes were not read in full. | eCFR through 10/26/2026; Title 2 last amended 8/17/2026. Access 10/28 PDT. No debarment merits or procedure determination. ecfr.gov |
Source ID; issuer/title · Complete literal HTTPS URL · Exact selected read bounds; printed page / zero-based PDF index · 15 data rows
| Source ID; issuer/title | Complete literal HTTPS URL | Exact selected read bounds; printed page / zero-based PDF index | Publication, commencement/application, status, and limits |
|---|---|---|---|
| R090-P1-S011 — HUD, Housing Counseling Program; final rule | https://www.govinfo.gov/content/pkg/FR-2007-09-28/pdf/E7-19166.pdf https://www.govinfo.gov/content/pkg/FR-2007-09-28/html/E7-19166.htm | DATES, selected implementation explanation, adoption instruction and complete adopted A–C. DATES 55638/P0; A–C 55648–55651/P10–13. Full document 17 pages; no whole-preamble or whole-Part claim. | Published 9/28/2007; effective 10/29/2007. Adopted §214.100(b) nevertheless says full compliance 10/1/2007 for its stated transition categories. The discrepancy is preserved. Access 10/28 PDT. govinfo.gov +3 |
| R090-P1-S012 — HUD, conforming amendments; final rule | https://www.govinfo.gov/content/pkg/FR-2015-12-07/pdf/2015-29692.pdf | DATES 75931/P0; complete Part 214 instructions 39–40, 75936/P5. Adjacent instructions not used to expand scope. | Published 12/7/2015; effective 1/6/2016. Replaces selected old grant-management references with 2 CFR Part 200 references. HTML alternative failed. Access 10/28 PDT. govinfo.gov +1 |
| R090-P1-S013 — HUD, Housing Counseling: New Certification Requirements; final rule | https://www.govinfo.gov/content/pkg/FR-2016-12-14/pdf/2016-29822.pdf https://www.federalregister.gov/documents/2016/12/14/2016-29822/housing-counseling-new-certification-requirements | DATES and selected explanatory footnote 90632/P0; complete relevant adopted §§5.100, 5.111, 214.1, changed §214.3 definitions, §214.100(a), §214.103(g)(2), (n), and selected related instructions 90657–90659/P25–27. | Published 12/14/2016; effective 1/13/2017. Original certification transition was 36 months after examination commencement announced by HUD, subsequently changed. Preamble explanation is distinguished from adopted text. Access 10/28 PDT. govinfo.gov +2 |
| R090-P1-S014 — HUD, certification examination availability notice | https://www.govinfo.gov/content/pkg/FR-2017-05-31/pdf/2017-11213.pdf | Complete relevant HUD notice, including sections I–II; 24988–24989/P0–1. Adjacent material and examination-fee amounts not relied upon. | Published 5/31/2017; announced examination availability 8/1/2017 and historical compliance date 8/1/2020. The latter was superseded. Access 10/28 PDT. govinfo.gov |
| R090-P1-S015 — HUD, Housing Counseling Program: Revision of the Certification Timeline; interim final rule | https://www.govinfo.gov/content/pkg/FR-2020-08-05/pdf/2020-17138.pdf https://www.federalregister.gov/documents/2020/08/05/2020-17138/housing-counseling-program-revision-of-the-certification-timeline | DATES 47300/P0; complete adopted change to §214.103(n)(4), 47303–47304/P3–4. | Published 8/5/2020. DATES distinguishes posting effectiveness from 8/5/2020 for valid notice to persons without actual knowledge. Actual posting event not independently established. Sets compliance 8/1/2021. Access 10/28 PDT. federalregister.gov +1 |
| R090-P1-S016 — HUD, certification timeline; final rule | https://www.govinfo.gov/content/pkg/FR-2020-12-04/pdf/2020-26194.pdf | Relevant HUD body; DATES 78231/P1 and complete final adoptive instruction 78232/P2. Document begins 78230/P0. | Published and final adoption effective 12/4/2020; adopts interim rule without change. HTML failed. Access 10/28 PDT. govinfo.gov +1 |
| R090-P1-S017 — HUD, certification timeline; correction | https://www.govinfo.gov/content/pkg/FR-2020-12-14/pdf/2020-27145.pdf | Complete HUD correction body, 80616/P0, excluding adjacent unrelated rules. | Published/effective 12/14/2020. Corrects the publication’s administrative document number and the prior comment-closing year/date; expressly does not change substance. Access 10/28 PDT. govinfo.gov |
| R090-P1-S018 — HUD, Tribal housing-counselor certification; final rule | https://www.govinfo.gov/content/pkg/FR-2024-06-12/pdf/2024-12777.pdf | DATES 49802/P0; complete relevant instructions adding definitions and Subpart F, 49807–49808/P5–6. | Published 6/12/2024; effective 7/12/2024. Compliance depends on the later of the two events in §214.600(e). Examination-availability announcement not verified. HTML failed. Access 10/28 PDT. govinfo.gov +1 |
| R090-P1-S019 — HUD, Modernizing the Delivery of Housing Counseling Services; final rule | https://www.govinfo.gov/content/pkg/FR-2024-09-16/pdf/2024-20946.pdf https://www.federalregister.gov/documents/2024/09/16/2024-20946/modernizing-the-delivery-of-housing-counseling-services | DATES 75497/P0; complete relevant adopted instructions 75501–75502/P4–5, changing §214.103(l) and §214.300(a). | Published 9/16/2024; effective 10/16/2024. Current facility and remote-delivery provisions, not the older in-person formulation. Access 10/28 PDT. federalregister.gov +1 |
| R090-P1-S020 — Congress, Public Law 111-203; selected enacted clauses | https://www.govinfo.gov/content/pkg/PLAW-111publ203/pdf/PLAW-111publ203.pdf | Complete §1400(c), 124 Stat. 2136/P761; §1443(a)’s complete inserted 1701x(g)(1), 2165–2167/P790–792; complete §1445, 2171–2172/P796–797; §1448, 2173/P798; §1449, 2174/P799; §1451, 2176–2177/P801–802. Not the whole 849-page Act. | Enacted 7/21/2010. §1400(c)’s regulation-dependent/default transition read, but the designated-transfer-date chain was not independently completed. Access 10/28 PDT. govinfo.gov +4 |
| R090-P1-S021 — Congress, Public Law 119-101, 21st Century ROAD to Housing Act; selected enacted clauses | https://www.govinfo.gov/content/pkg/PLAW-119publ101/pdf/PLAW-119publ101.pdf https://www.govinfo.gov/content/pkg/PLAW-119publ101/html/PLAW-119publ101.htm | Complete §101(1)–(3), 140 Stat. 847–849/P2–4; complete §§1201–1202, 140 Stat. 984/P139; enactment notation. Not all §101(4) or the whole Act as a merits investigation. | Became law 7/11/2026. Selected §101 clauses contain no separate delayed-commencement clause; current S003 incorporates them. No complete later-law or judicial-history conclusion. Access 10/28 PDT. govinfo.gov +1 |
| R090-P1-S022 — GPO, 2025 annual CFR, Part 214 | https://www.govinfo.gov/content/pkg/CFR-2025-title24-vol2/pdf/CFR-2025-title24-vol2-part214.pdf | Opening edition/content metadata only; PDF begins at printed 326/P0, with adjacent preceding material. No complete annual A–C reading claimed. | Older official annual publication, not substituted for the current eCFR body. Attempted 2026 annual alternative failed. Access 10/28 PDT. govinfo.gov |
| R090-P1-S023 — 1968 original statutory publication; discovery and failed access | https://www.govinfo.gov/content/pkg/STATUTE-82/pdf/STATUTE-82-Pg476.pdf | Intended narrow §106 at 82 Stat. 490; body not retrieved. | Request failed because content length exceeded tool limit. Not operative evidence of the original clause. Access attempt 10/28 PDT. |
| R090-P1-S024 — Congress/GPO, Public Law 91-609, 1970 Act; limited access | https://www.govinfo.gov/content/pkg/STATUTE-84/pdf/STATUTE-84-Pg1770.pdf | Opening title/enactment text retrieved; intended §903, 84 Stat. 1808, not successfully retrieved. Subsequent find/open attempts timed out. | Historical original; header dates enactment 12/31/1970. No claim to have read the material amendment. Access 10/28 PDT. |
| R090-P1-S025 — 1992 original statutory publication; discovery and failed access | https://www.govinfo.gov/content/pkg/STATUTE-106/pdf/STATUTE-106-Pg3672.pdf | Intended certification-related amendments; original body not retrieved. | Content-length failure. Source-credit pointers do not substitute for adopted text. Access attempt 10/28 PDT. |
Claim ID · Supported proposition and exact conditions · Exact authority; limits · 35 data rows
| Claim ID | Supported proposition and exact conditions | Exact authority; limits |
|---|---|---|
| R090-P1-C001 | The refreshed A–C bodies display eCFR currency through October 26, 2026. The eCFR is a continuously updated, authoritative but unofficial publication. | S001, display/status text. A title-wide amendment date is not a Part 214 amendment date or exhaustive later-law audit. |
| R090-P1-C002 | A–C contain the eleven sections inventoried above, with no displayed reserved section in those subparts. | S001, complete A–C headings and bodies. Enumeration is a reading result, not an eligibility threshold. |
| R090-P1-C003 | Part 214’s authority line cites 12 U.S.C. 1701x, 1701x-1, and 42 U.S.C. 3535(d). Section 1701x authorizes specified counseling assistance; §3535(d) authorizes delegation/redelegation and necessary rules. | S001 authority line; S003(a)(1)(iii), (a)(2); S007(d); S008. No actual delegation or complete home-inspection-currentness determination. |
| R090-P1-C004 | Section 214.1 applies to participating agencies and entities delivering housing counseling required under, or provided in connection with, HUD programs. | S001 §214.1. This does not establish that every private housing-help or debt-help activity falls within the program. Subject to C034. |
| R090-P1-C005 | Section 5.111 requires certified organizations and counselors for covered counseling. Its connection categories are: HUD-required counseling; HUD-funded counseling; grantee/subgrantee-required counseling as a condition of HUD assistance; or referral of a HUD-assisted family by a grantee/subgrantee. | S002 §5.111(a), (b)(1)–(4), complete. Program and relationship predicates remain necessary. |
| R090-P1-C006 | Section 1701x(e)(1) conditions listed counseling assistance on certification; (e)(2) requires standards, examinations, and organizational certification procedures; (e)(3) uses “organizations or counselors” for HUD-connected counseling. | S003(e)(1)–(3). The statutory “or” and regulatory “and” are recorded separately; this report does not declare them identical or resolve all construction questions. |
| R090-P1-C007 | Section 1701x(g)(1) defines homeownership and rental counseling for its stated purposes and enumerates program incorporations. | S003(g)(1)(A)–(C), fully read. The enumerated underlying housing programs were not independently read; their eligibility or current operation is not established. |
| R090-P1-C008 | The incorporated nonprofit definition retains organization under state/local law, no prohibited private inurement, and financial accountability acceptable to HUD; its affordable-housing-purpose subparagraph (D) is excluded for this framework. | S001 §214.3 “Nonprofit organization”; S003(h)(1); S004 §12704(5)(A)–(D). Excluding D does not exclude A–C. |
| R090-P1-C009 | Section 501(a) exempts specified organizations unless denied exemption under §§502 or 503. Part 214 specifically invokes §501(a) pursuant to §501(c). | S005(a), (c) introductory clause; S001 §§214.3, .103(a). Full tax-category and denial provisions remain unread; no tax-status finding. |
| R090-P1-C010 | The TDHE definition has an existing-IHA route with cumulative historical/1937 Act conditions and a separately authorized-entity route based on tribal self-government or qualifying state law. One or more tribes may authorize an entity. | S006 §4103(22)(A)–(C), with (13) read. Tribal recognition and the 1937 Act chain remain unresolved; no category established for an entity. |
| R090-P1-C011 | An action plan identifies agency/client steps toward housing goals and, when appropriate, housing problems. A housing goal is a realistic short- or long-term objective set by the client with counseling advice. | S001 §214.3, both definitions. These are program concepts, not a completed plan or affordability determination. |
| R090-P1-C012 | “Clients” means individuals or households seeking participating-agency assistance for a housing need or problem. | S001 §214.3 “Clients.” Seeking help does not itself prove entitlement to a particular service or result. |
| R090-P1-C013 | Counseling is tailored assistance addressing financial circumstances or housing obstacles. The examples include credit, rental disputes, purchase/down-payment issues, fair housing/lending, accessible units, foreclosure, and financial crisis. An action plan is required except for reverse-mortgage counseling. | S001 §214.3 “Counseling.” Topic inclusion does not confer separate legal representation, credit-repair, or debt-discharge authority. |
| R090-P1-C014 | Education means formal group/class instruction with curriculum and instructional goals. Its nonexclusive examples concern renter rights, buying/maintaining a home, budgeting, fair housing, predatory-lending identification/reporting, disability rights, and credit. | S001 §214.3 “Education.” A class is not automatically individualized counseling. |
| R090-P1-C015 | Incorporated “housing counseling” means customized independent expert advice and requires intake, financial/housing-affordability analysis, an action plan except for reverse mortgages, and reasonable follow-up efforts when possible. | S002 §5.100, complete housing-counseling definition. This is a required process category, not proof of actual independence or successful analysis. |
| R090-P1-C016 | Homeownership counseling covers the purchase decision, selection/purchase, ownership issues including financing/refinancing/default/foreclosure and other financial decisions, and disposition, within the specified HUD connection. | S002 §5.100 “Homeownership counseling”; S003(g)(1)(B). No particular mortgage or consumer eligibility finding. |
| R090-P1-C017 | Rental counseling concerns residential rental issues; future ownership, rental decisions, tenancy responsibilities, affordability, and eviction prevention may be included. | S002 §5.100 “Rental housing counseling”; S003(g)(1)(C). It is not an adjudication of tenancy rights. |
| R090-P1-C018 | An affiliate is separately incorporated from its intermediary/SHFA and must be a duly organized tax-exempt nonprofit, in good standing under its organizing state’s law, and authorized to operate in proposed service states. | S001 §214.3 “Affiliate,” (1)–(3). All three conditions apply. |
| R090-P1-C019 | A branch is a subordinate, not separately incorporated/organized unit of a listed parent category; it must have the stated good standing and cannot be a subgrantee or affiliate. | S001 §214.3 “Branch or branch office.” A generic label does not establish its organizational relationship. |
| R090-P1-C020 | “HUD-approved housing counseling agency” incorporates nonprofit/tax status, HUD approval under Part 214 and §1701x(e), direct or affiliate/branch delivery, and Part compliance. | S001 §214.3; S003(h)(4). Statutory and regulatory formulations are not treated as proof of current individual standing. |
| R090-P1-C021 | A HUD certified housing counselor must have passed the HUD examination, work for a participating agency, and be HUD-certified under the part. | S001 §214.3; §214.103(n). Passing an examination alone does not establish the complete defined status. |
| R090-P1-C022 | A HUD-certified Tribal housing counselor has the examination, employment, and certification relationship specified by Subpart F. | S001 §214.3; §214.600(b)–(d). It is not interchangeable with every regular-program counseling category. |
| R090-P1-C023 | An intermediary is HUD-approved, delivers indirectly through branches/affiliates, and controls service type/quality. National and regional categories each combine counseling with administrative/support services, with different geographic descriptions. | S001 §214.3 “Intermediary,” (1)–(2). No actual network or control relationship is established. |
| R090-P1-C024 | An LHCA directly provides counseling and may have a main office and branches in no more than two contiguous states. | S001 §214.3 “Local housing counseling agency.” This is a category predicate, not verified geographic availability. |
| R090-P1-C025 | An MSO provides counseling through a main office and branches in two or more states. | S001 §214.3 “Multi-state organization.” Geographic wording alone does not resolve every possible overlap with C024. |
| R090-P1-C026 | “Participating agency” is broader than separately approved agencies; it includes qualifying affiliates and branches of approved intermediaries/MSOs and SHFAs. | S001 §214.3 “Participating agency.” Participation does not necessarily mean each unit holds a separate direct approval. |
| R090-P1-C027 | A work plan identifies geographic activities, community needs/problems, objectives, and available resources; intermediary/SHFA/MSO plans also address proposed network support. | S001 §214.3 “Housing counseling work plan.” A stated plan is not evidence of actual implementation. |
| R090-P1-C028 | Housing-counseling grant funds are section 106 grants to participating agencies. A subgrantee is an affiliate of an approved intermediary or SHFA receiving a subgrant derived from a HUD grant. | S001 §214.3, both definitions. Participation alone does not establish receipt of funding. |
| R090-P1-C029 | The regulatory “State” definition lists the several states, Puerto Rico, DC, CNMI, Guam, Virgin Islands, American Samoa, and other U.S. possessions. Statutory §1701x(h)(2) additionally retains “Trust Territories of the Pacific.” | S001 §214.3; S003(h)(2). The differing wording is preserved, without geopolitical or territorial-application conclusions. |
| R090-P1-C030 | An SHFA is a public statutory body/agency/instrumentality with statewide housing-finance authority of the specified kind; it may provide counseling, subgrant within its state, or both. | S001 §214.3 “SHFA”; S003(h)(5). Not every public agency is an SHFA. |
| R090-P1-C031 | “Unit of general local government” enumerates general-purpose political subdivisions, including city, county, parish, town, township, borough, and village. | S001 §214.3; S003(h)(3). No particular jurisdiction is classified. |
| R090-P1-C032 | The selected reverse-mortgage definition describes proceeds from accumulated equity with repayment deferred to a future time. | S001 §214.3 “Reverse mortgage.” It supplies no actual maturity, repayment, protection, or contract conclusion. |
| R090-P1-C033 | “Applicant” and “network” are used in the selected provisions but are not separate standalone definitions in §214.3. | S001, complete definition inventory and §§214.103, .105, .205. Ordinary labels cannot replace the applicable criteria. |
| R090-P1-C034 | Section 214.600 applies only to IHBG/ICDBG-connected counseling. The specified tribal entities funding that counseling are excepted from other Part 214 requirements except Subpart F. Other HUD-connected counseling requires the regular certification standard and participating-agency status. | S001 §214.600(a)–(d), complete; S018 adopted text. This is the indispensable exception to an otherwise overbroad scope statement. |
| R090-P1-C035 | Subpart F compliance is due by the later of 48 months from rule effectiveness or 30 days after HUD makes the Tribal examination available; HUD must announce testing/certification commencement in the Federal Register. | S001 §214.600(e); S018. Actual examination-availability event and resulting deadline were not determined. |
Claim ID · Supported proposition and cumulative conditions · Exact authority; limits · 24 data rows
| Claim ID | Supported proposition and cumulative conditions | Exact authority; limits |
|---|---|---|
| R090-P1-C036 | Agency approval and individual certification do not create or imply HUD warranty or endorsement of the agency, personnel, or counseling. Approval means prescribed qualifications/conditions were met; counselor status carries its specified examination/employment meaning. | S001 §214.100(a), complete. No “legitimacy,” quality, availability, or outcome guarantee follows. |
| R090-P1-C037 | Approval requires the §214.103 criteria and Subpart B procedures; the criteria apply to agencies, MSOs, intermediaries, and included LHCAs, branches, and affiliates. | S001 §§214.100 introductory text, .103 introductory text. Category-specific alternatives remain material. |
| R090-P1-C038 | The agency must be a private/public nonprofit or a local/county/state governmental unit. Nonprofit/tax evidence is required under the specified tax provisions; governmental units must show authorization to counsel. | S001 §214.103(a). The governmental proof requirement is not a professional-license determination. |
| R090-P1-C039 | Agencies must have successfully administered counseling for at least one year; intermediaries must have operated in that capacity for at least one year; included affiliates/branches must satisfy the stated one-year counseling requirement. | S001 §214.103(b). The relevant actor and type of experience cannot be substituted for one another. |
| R090-P1-C040 | The agency and listed directors, partners, officers, principals, and employees must not have the specified federal restrictions, qualifying indictment/conviction, or unresolved government audit/investigation findings. | S001 §214.103(c)(1)–(3). The criminal-offense branch requires the stated relationship to responsibility, integrity, or ability; no actual conduct/status inference. |
| R090-P1-C041 | The agency and its HUD-program branches/affiliates must have functioned for at least one year in the work-plan geographic areas. | S001 §214.103(d). This is additional to organizational/program experience. |
| R090-P1-C042 | An established record system must support file review and verification/reporting/analysis of annual activities, protect confidentiality, satisfy the stated federal incorporations, and be accessible to HUD monitoring/audit. | S001 §214.103(e); selected §214.315(g); S012. Full 2 CFR Part 200 Subpart D, 24 CFR 1.6, and Part 121 compliance remains held. |
| R090-P1-C043 | Participating agencies must use an automated client-management system that tracks counseling/education and client-level information, satisfies HUD requirements, and interfaces with HUD databases. | S001 §214.103(f). No system, data, interface, or privacy practice was inspected. |
| R090-P1-C044 | No later than approval, resources must support the proposed plan. The application must show immediately available funds or a written commitment covering initial twelve-month operating costs. | S001 §214.103(g), (g)(1). No prescribed dollar amount or actual solvency finding. |
| R090-P1-C045 | Staff must be trained; all staff providing covered counseling must be HUD certified; at least half the agency’s counselors must have at least six months’ experience in their proposed job. | S001 §214.103(g)(2). Training, certification, and the experience fraction are separate cumulative predicates. |
| R090-P1-C046 | The language criterion permits fluent counselor(s), interpreter services, or referral to another agency able to meet the client’s needs. | S001 §214.103(g)(3). It does not prove a particular language is presently available. |
| R090-P1-C047 | Staff must know specified HUD/state/local programs, consolidated plans, and the local market; familiarity with conventional-lender and other helpful programs is expressed as “should.” | S001 §214.103(h). Mandatory and advisory wording are not collapsed. |
| R090-P1-C048 | The agency and branches/subgrantees/affiliates must deliver the work-plan counseling; contracting out is prohibited except for the enumerated alternatives. | S001 §214.103(i), introductory text. No general outsourcing permission. |
| R090-P1-C049 | The underserved-area contracting exception requires demonstrated need, absence of the specified HUD-approved service network, allocated contractual responsibilities, a contractor meeting approval-eligibility standards, and prior written HUD approval. | S001 §214.103(i)(1), all conditions. No geographic/provider search conducted. |
| R090-P1-C050 | Intermediaries and SHFAs may use affiliate agreements, including an exchange of letters, but responsibilities must be sufficiently detailed for accountability and monitoring under 2 CFR Part 200. | S001 §214.103(i)(2). Form flexibility does not remove substantive conditions; full grant rules held. |
| R090-P1-C051 | HUD may, with prior approval and in its discretion, permit an intermediary network of individual counselors instead of agencies for a special counseling need identified by HUD. | S001 §214.103(i)(3). Not a general right to bypass agency requirements. |
| R090-P1-C052 | The agency must maintain working relationships with public/private community resources for needs it cannot meet, including related non-English-language services. | S001 §214.103(j). No actual referral relationship or service assurance. |
| R090-P1-C053 | The agency and branches/affiliates must meet all state/local operational requirements. | S001 §214.103(k). Those requirements were not researched; federal approval does not establish compliance with them. |
| R090-P1-C054 | Every participating agency must maintain at least one facility; all facilities require identifiable counseling space, privacy/confidential records, and accessibility features or alternative accommodations under the incorporated laws. | S001 §214.103(l)(1)–(3); S019 adopted revision. Full accessibility regimes and actual facilities remain held. |
| R090-P1-C055 | The plan must concisely detail target needs/problems, resource-based response, services, any applicable fee structure, geographic area, and anticipated outcomes during approval. | S001 §214.103(m)(1). Mention of a fee field does not resolve §214.313 or permissible fees. |
| R090-P1-C056 | Plans require periodic review, notice and a copy to HUD when changed, the basic §214.300 requirements, and alternative settings/formats where appropriate. | S001 §214.103(m)(2)–(4); narrow §214.300(a) read. No specified universal review interval. |
| R090-P1-C057 | All individuals providing covered counseling must be certified. The written standardized examination tests six areas: financial management; property maintenance; ownership/tenancy responsibilities; fair housing; affordability; and delinquency/eviction/default avoidance and response. | S001 §214.103(n)(1)–(2); S003(e)(2). No score, pass rate, or continuing-competence conclusion. |
| R090-P1-C058 | Section 214.103(n)(3) provides certification upon verification of work for a participating agency, while literally referring to paragraph (n)(1). | S001 §214.103(n)(3). The cross-reference is preserved, not silently rewritten as (n)(2). Read with the complete definition and examination provisions. |
| R090-P1-C059 | The current ordinary-program certification compliance date is August 1, 2021. | S001 §214.103(n)(4); S015–S017. It is not a newly available grace period; the separate Tribal transition is C035. |
Claim ID · Supported proposition and conditions · Exact authority; limits · 20 data rows
| Claim ID | Supported proposition and conditions | Exact authority; limits |
|---|---|---|
| R090-P1-C060 | Applications require HUD-prescribed forms and supporting documentation. A parent controlling branch/affiliate service type and quality submits one application. | S001 §214.105(a). No form or actual application inspected or prepared. |
| R090-P1-C061 | SHFAs need not submit an application for HUD approval, but participation requires either the stated request, affiliate list if applicable, and assurances, or a request under another HUD-announced procedure. | S001 §214.105(b). This is not exemption from all program requirements; alternative announcements were not surveyed. |
| R090-P1-C062 | If the package meets all §214.103 requirements, HUD will approve for up to three years, send the approval letter to the main office, and issue a certificate stating the period. | S001 §214.107(a)–(b). No universal three-year term or processing deadline is stated. |
| R090-P1-C063 | Direct-service participating agencies must supply contact information; public website/hotline availability is permissively worded. | S001 §214.107(c). Listing, actual approval, active status, and service availability are separate questions. |
| R090-P1-C064 | A deficient application receives written denial reasons. Within thirty calendar days of written notice, the agency may submit a revised application or a written appeal under §214.205. | S001 §214.109. Consultation is permitted, not undertaken here. No approval guarantee. |
| R090-P1-C065 | HUD may use inactive status for temporary impairment, case by case, ordinarily capped at six months unless extended under (d), on request or HUD information. | S001 §214.200(a). Nonexclusive grounds include counselor loss, disabling disaster damage, lost funds, relocation, beyond-control circumstances, and review results. |
| R090-P1-C066 | A request for inactive status must be written, with supporting evidence if possible; HUD reviews and notifies approval/rejection in writing. Approval temporarily removes website/hotline information. | S001 §214.200(b). A request is not the status decision. |
| R090-P1-C067 | The agency must notify HUD with support when ready to resume or no later than the inactive period’s end. Restoration of contact information may follow HUD review and acceptance. | S001 §214.200(c). Resumption is not automatic merely because time has passed. |
| R090-P1-C068 | If the condition persists, HUD may extend inactivity or terminate/remove participation, and must give written notice of its decision. | S001 §214.200(d). No automatic extension or maximum extended duration is supplied here. |
| R090-P1-C069 | Upon confirming an enumerated ground, HUD may terminate approval, remove SHFAs or branches/affiliates, and terminate applicable grants. Grounds are noncompliance; work-plan/change-notice failure; insufficient capacity; failed planned outcomes; grant misuse; or HUD-determined good cause. | S001 §214.201(a)(1)–(6). This is not an actual finding or an automatic consumer remedy. |
| R090-P1-C070 | Participation may be voluntarily withdrawn at any time. Termination/withdrawal must be written; unexpired certificates must be returned; terminated or inactive agencies may not display them. | S001 §214.201(b)–(c). Historical certificate possession does not establish active standing. |
| R090-P1-C071 | Where HUD determines termination and the agency does not withdraw, §214.201(c) permits resort to Part 24; §24.1 points to 2 CFR Part 2424, whose §2424.10 adopts supplemented Part 180 provisions. | S001; S009–S010. Full exclusion procedures, remedies, and individual application remain held. |
| R090-P1-C072 | Section 214.203 permits periodic review and says HUD will reapprove at the approval period’s end following a successful review, if conducted. | S001 §214.203. Read with §§214.307–.309 and the later statutory qualification C088; not unconditional perpetual approval. |
| R090-P1-C073 | Regulatory performance reviews may be on-site or desk reviews and examine all program requirements, applicable civil rights, and success in service delivery. | S001 §214.307(a)–(b), complete. No actual review or evaluation of quality. |
| R090-P1-C074 | Full compliance with performance criteria permits unconditional reapproval for up to three years. | S001 §214.309(a). The paragraph uses discretionary wording; §214.203’s wording is separately preserved. |
| R090-P1-C075 | If unmet performance criteria do not seriously impair counseling capability, HUD may extend approval/participation conditionally for up to 120 calendar days. | S001 §214.309(b). Not a universal cure period. |
| R090-P1-C076 | HUD may use inactive status under §214.200 and may conduct a follow-up review to determine correction of deficiencies. | S001 §214.309(c)–(d). Neither correction nor reinstatement is presumed. |
| R090-P1-C077 | HUD may immediately terminate when it determines deficiencies seriously impair compliance; non-reinstatement or termination permits the specified appeal. | S001 §214.309(e)–(f). The serious-impairment determination is indispensable. |
| R090-P1-C078 | An applicant or approved agency seeking reapproval has the stated adverse-decision appeal right. The appeal is written; HUD must receive it within thirty calendar days from the date of its decision letter. | S001 §214.205 introductory text, (a)–(b). Late review is not obligatory. Mailing, actual receipt of the decision, and holiday-extension rules are not supplied. |
| R090-P1-C079 | The appeal provision preserves other Part 24 action and other legally available HUD remedies. | S001 §214.205(c). It supplies no universal stay, private cause of action, damages, or exhaustive remedy procedure. |
Claim ID · Supported proposition and conditions · Exact authority; limits · 17 data rows
| Claim ID | Supported proposition and conditions | Exact authority; limits |
|---|---|---|
| R090-P1-C080 | Basic counseling addresses housing conditions and ownership/tenancy responsibilities; counselors and clients establish an action plan except for reverse-mortgage counseling. | S001 §214.300(a)(1)–(2), incorporated by §214.103(m)(3). No client plan or service determination. |
| R090-P1-C081 | Counseling may use agency/alternate locations, telephone, or collaborative online software, subject to accessibility requirements. A request for in-person service triggers referral to a participating agency offering it under §214.303(e). | S001 §214.300(a)(3); S019. This does not require every agency to deliver every format itself. |
| R090-P1-C082 | Format does not remove community-base, resource, knowledge, or approved-geographic-area requirements. Prior HUD approval may allow specified nationally delivered counseling through a special-need affiliated-counselor network or HUD roster. | S001 §214.300(a)(4)–(6). No roster inspected or national-service finding. |
| R090-P1-C083 | Participating agencies offering group education must also offer individual counseling on those topics. | S001 §214.300(a)(7). Offering a class is not itself proof the individual service occurred. |
| R090-P1-C084 | Selected basic requirements specify the homeownership/rental subject boundaries and required HUD home-inspection materials as part of homeownership counseling. | S001 §214.300(a)(8)–(10); S008; S020 §1451. No actual material, inspector, inspection, or consumer eligibility evaluated. |
| R090-P1-C085 | Referred clients generally must be served; if unique requested services are unavailable or resources insufficient, referral to another participating agency is required, preferably locally; if none is available, reasonable efforts to another helpful agency are required. | S001 §214.303(e), complete. Not a guarantee of available service or a direction to contact anyone. |
| R090-P1-C086 | Approval/participation does not guarantee grant funding. Funding depends on appropriations and competitive federal/HUD assistance rules; available competitive funds are publicly announced. | S001 §214.311(a), complete. Full grant eligibility, current appropriations, and awards held. |
| R090-P1-C087 | The selected confidentiality clause covers personal/financial information, including credit reports from the client or another source. | S001 §214.315(g), read solely for §214.103(e)’s incorporation. The printed FCRA citation anomaly and full privacy/penalty chain remain unresolved. |
| R090-P1-C088 | The 2026 statute permits periodic reviews but requires performance reviews of all organizations receiving assistance under §1701x, examining all program requirements and optionally aggregate counselor performance. | S003(e)(6); S021 §101(2). Regulatory “may review” language cannot be generalized to negate this statutory requirement. |
| R090-P1-C089 | For (e)(7), a covered mortgage loan has the stated first/subordinate residential lien, one-to-four-family design, and specified FHA insurance or statutory guarantee. | S003(e)(7)(A); S021. Insurance/guarantee eligibility bodies not fully read; this is not the broader definition in newly added (j). |
| R090-P1-C090 | For prepurchase counselors employed by assisted organizations, HUD may compare performance with default rates of counseled borrowers in the specified covered-loan/comparable-market cohort and other appropriate factors. | S003(e)(7)(B). No score, denominator calculation, causal inference, or actual quality judgment. |
| R090-P1-C091 | Following the specified competence determination and only if action will not significantly reduce area counseling capacity, HUD may require continuing education/probation, retesting for continued lack of competence, and suspension after failure despite at least two retesting opportunities. | S003(e)(8)(A)–(C). Its reference to the comparison “required” under (7)(B) differs from that paragraph’s “may”; construction remains bounded. |
| R090-P1-C092 | HUD may deny renewal of covered assistance for organizational or counselor noncompliance, based on the (e)(6) review and in accordance with HUD regulations. Covered assistance means grants or other financial assistance under the section. | S003(i)(3)(A), (i)(4); S021 §101(3). Not automatically every program-approval decision. |
| R090-P1-C093 | Such denial requires at least sixty days’ prior written notice; renewal determination is not final until the period ends. A timely written request entitles the recipient to the specified informal conference to present beyond-control factors. | S003(i)(3)(B)–(C), complete. This is distinct from the thirty-calendar-day regulatory appeal. Counting/service conventions beyond the text remain unresolved. |
| R090-P1-C094 | A separate Secretary determination of material misuse of covered assistance triggers reimbursement/return within twelve months and future ineligibility for further covered assistance, with other remedies preserved. | S003(i)(2), (i)(4), complete. This concerns assistance accountability, not automatic cancellation of all agency status or consumer debts. |
| R090-P1-C095 | The statute requires appropriate certification outreach and encouragement of non-assisted counseling organizations to use certified providers or meet standards. | S003(e)(4)–(5). Encouragement is not a universal compulsory rule for all non-HUD counseling; other HUD connections still matter. |
| R090-P1-C096 | The selected statutory examination provision assigns examination administration and certification on the Secretary’s behalf to the selected entity, with content/format established in consultation. | S003(f)(4), read in its surrounding subsection. No actual selected entity, contract, fee, or examination record investigated. |
Claim ID · Supported proposition · Exact authority; limits · 16 data rows
| Claim ID | Supported proposition | Exact authority; limits |
|---|---|---|
| R090-P1-C097 | The 2007 final rule was published September 28 and effective October 29. Its adopted §214.100(b), like the current text, nevertheless uses October 1 compliance for the specified preexisting/submitted-application categories. | S011 DATES, §214.100(b); S001. The chronology is not silently corrected, converted into a current grace period, or judicially reconciled. |
| R090-P1-C098 | The 2015 rule changed the selected recordkeeping and affiliate-agreement incorporations to 2 CFR Part 200; it became effective January 6, 2016. | S012 DATES, instructions 39–40. This does not mean the incorporated regime was fully analyzed. |
| R090-P1-C099 | The 2016 final rule adopted the material certification/scope definitions and procedures, effective January 13, 2017, with the original examination-linked thirty-six-month compliance transition. | S013 DATES and adopted text. Original transition is historical, not current. |
| R090-P1-C100 | The 2017 notice announced examination availability August 1, 2017 and the then-applicable August 1, 2020 compliance date. | S014, complete relevant notice. The latter date was later replaced. |
| R090-P1-C101 | The 2020 interim rule replaced the certification compliance date with August 1, 2021; the December final rule adopted that change without modification. | S015–S016. The interim posting/actual-knowledge qualification remains recorded; no actual posting date invented. |
| R090-P1-C102 | The December 14, 2020 correction changed publication details and the historical comment-closing date, not substantive certification requirements. | S017, complete correction. It did not create a different program-compliance deadline. |
| R090-P1-C103 | The 2024 Tribal rule adopted the separate definitions, Subpart F exception, certification route, and later-of transition; effective July 12, 2024. | S018 DATES and instructions; S001 §214.600. Actual transition endpoint remains unknown. |
| R090-P1-C104 | The 2024 modernization rule replaced the facility requirement and revised delivery/referral/geographic clauses; effective October 16, 2024. | S019 DATES and complete selected adopted instructions. Older office/in-person wording is not used as current law. |
| R090-P1-C105 | The selected 2010 enacted clauses establish the relevant statutory counseling definitions, certification amendments, agency definitions, assistance-accountability provisions, and home-inspection authority. | S020 §§1443(a), 1445, 1448, 1449, 1451, within recorded bounds. Not a complete history of §1701x. |
| R090-P1-C106 | Section 1400(c) ties rule issuance/effectiveness to eighteen- and twelve-month periods and supplies a default for provisions lacking regulations after the designated-transfer-date period. | S020 §1400(c)(1)–(3), complete. Designated transfer date and provision-specific application were not completed; no calendar computation. |
| R090-P1-C107 | Public Law 119-101 became law July 11, 2026. Its §101(1)–(3) amends distribution wording, adds review/competence provisions, and adds assistance-renewal procedure, as reflected in current §1701x. | S021 selected enacted body; S003 2026 text/notes. No separate delayed trigger appears in those selected clauses; whole later-law history remains held. |
| R090-P1-C108 | The 2026 Act has a severability clause and does not authorize additional appropriations to carry out the Act/amendments. | S021 §§1201–1202. This is not a finding that no existing funds are available or that any provision has been held invalid. |
| R090-P1-C109 | Older original statutory access was incomplete: the 1968/1992 PDFs exceeded retrieval limits; the material 1970 clause timed out; current §1701x-1 compilation authentication remains incomplete. | S008, S023–S025 and failure log. Failure is not repeal or absence of authority. |
| R090-P1-C110 | The 2025 annual CFR opening was available; the requested 2026 annual Part 214 PDF was not. Neither supplies a claimed complete alternative current reading. | S022 and failure log. Current A–C conclusions rely on the successfully read eCFR and selected adopted instruments. |
| R090-P1-C111 | Textual anomalies are preserved: “Internal Revenue Code of 1996” in selected regulations; §214.103(n)(3)’s (n)(1) reference; §214.315(g)’s displayed “14 U.S.C. 1681”; differing statutory/regulatory State wording. | S001 §§214.3, .103(a), .103(n)(3), .315(g); S003(h)(2); S020 §1448. No silent editorial repair or complete interpretive reconciliation. |
| R090-P1-C112 | The selected legal framework does not establish any actual participant’s standing, license, funding, service quality, availability, privacy compliance, independence, or successful outcome. | Scope limitation supported by C036, C053, C062–C079, C086 and absent application evidence. No handbook was used to add approval criteria or legal force. |
Comparison · Supported distinction · What remains open · 17 data rows
| Comparison | Supported distinction | What remains open | Claim/source crosswalk |
|---|---|---|---|
| Agency approval / counselor certification | Organizational qualifications and decision procedures differ from examination, employment, and individual certification predicates. | Actual status of either category. | C020–C022, C036–C038, C057–C062; S001 §§214.3, .100, .103(n), .107. |
| Agency / affiliate / branch / intermediary | Separate incorporation, subordination, control, delivery, and support functions have different definitions. | Actual organization or network relationships. | C018–C028; S001 §214.3. |
| LHCA / MSO | Direct-service and geographic/main-office/branch predicates differ; geography alone does not resolve every classification. | Actual service geography and organizational form. | C024–C025; S001 §214.3. |
| Direct approval / SHFA participation | SHFAs have a specific request-based exception from the ordinary approval application. | Any currently announced alternative request procedure or actual compliance. | C060–C061; S001 §214.105. |
| Initial approval / continued participation | Initial criteria, review, inactivity, conditional reapproval, termination, and appeal are distinct stages. | Current decision, expiration, review result, or active status. | C062–C079; S001 §§214.107–.205, .307–.309. |
| Statutory authority / codified criterion / handbook | Statutes authorize and constrain; regulations specify program criteria. No handbook was read or used to amend those criteria. | Status and effect of a particular future handbook clause would require its own examination. | C003–C009, C097–C108, C112; S001–S003, S007, S011–S021. |
| Mandatory criterion / discretion | “Must,” conditional “will,” and “may” have different functions. For example, complete approval criteria contrast with discretionary inactive status. | Satisfaction of predicates; exercise of authorized discretion. | C037–C078; exact cited clauses. |
| Application / approval | Submission and supporting evidence precede an agency decision; a successful package leads to the letter/certificate procedure. | Actual submission, sufficiency, decision, or duration. | C060–C064; S001 §§214.105–.109. |
| Participation / professional licensing | Federal program requirements coexist with state/local operational requirements; no general professional license is issued by the selected provisions. | Each relevant professional/operational licensing regime. | C036, C053, C112; S001 §§214.100(a), .103(k). |
| Approval / grant funding | Approval does not guarantee funding; financial-assistance accountability and renewal have separate predicates. | Appropriation, competition, award, grant conditions, and renewal decision. | C086, C092–C094, C108; S001 §214.311(a); S003(i); S021 §1202. |
| Listing / verified current status | Listing is a referral mechanism; inactive status can remove it, and later restoration depends on HUD review/acceptance. | Any actual listing, current standing, or availability. | C063, C066–C070; S001 §§214.107(c), .200, .201. |
| Generic authority / consumer eligibility | Program authority and agency criteria do not establish an individual’s entitlement to a service, grant, legal representation, or debt relief. | Relevant consumer program and all individual predicates. | C004–C007, C012, C036, C085–C086, C112. |
| Approval / quality or outcome | Section 214.100(a) disclaims endorsement/warranty; review standards are not findings about actual performance. | Actual authorized review evidence, independently permitted in a different task. | C036, C073, C088–C091; S001; S003(e). |
| Regulatory review / 2026 statutory review | The regulation permits periodic reviews generally; the statute requires reviews for organizations receiving §1701x assistance. | Implementation and interaction in a particular decision. | C072–C075, C088; S001 §§214.203, .307–.309; S003(e)(6). |
| Approval appeal / assistance-renewal conference | Thirty-calendar-day written appeal receipt differs from at least sixty days’ prior notice and a timely requested informal conference for covered-assistance renewal. | Trigger, applicable route, service/counting details, actual decision. | C064, C078, C092–C093; S001 §§214.109, .205; S003(i)(3)–(4). |
| Regular certification / Tribal route | Subpart F has a limited program exception, different employment category, and separate transition; other HUD counseling returns to regular requirements. | Program connection, entity qualification, examination-availability event. | C022, C034–C035; S001 §214.600; S006, S018. |
| Current / historical wording | Current facility and certification requirements incorporate later amendments; older wording and superseded dates remain historical evidence only. | Unexamined later amendments, judicial construction, and identified anomalies. | C097–C111; S011–S025. |
ID · Exact clause; actor/object · Quantity, unit/base, boundary · 32 data rows
| ID | Exact clause; actor/object | Quantity, unit/base, boundary | Trigger, cumulative conditions, exceptions, counting convention, absent facts |
|---|---|---|---|
| M01 | S001 §214.3, LHCA; C024 | No more than 2 contiguous states; main office and one or more branches may be present. | Category geography, not proven service reach; adjacency and actual offices absent. |
| M02 | S001 §214.3, MSO; C025 | 2 or more states, through main office and branches. | Minimum state count; no inference that geographic wording alone resolves all organizational overlap. |
| M03 | S001 §214.3, intermediary; C023 | 2 named types: national and regional; national uses multiple regions. | No statutory numerical region map or actual geographic classification supplied. |
| M04 | S001 §214.103(b); C039 | Agency counseling experience at least 1 year. | Successful administration, not mere existence; calendar conversion and actual history absent. |
| M05 | Same; C039 | Intermediary capacity at least 1 year. | Specific intermediary function; not interchangeable with M04. |
| M06 | Same; C039 | Included affiliates/branches: successful counseling at least 1 year. | Applies in the specified application/participation relationships. |
| M07 | S001 §214.103(d); C041 | Functioning at least 1 year in work-plan geography. | Separate community-base predicate; actual geography/history absent. |
| M08 | S001 §214.103(g)(1); C044 | Funds or written commitment for initial 12 months of approval operations. | Resources due no later than approval; no fixed dollar amount or actual funding sufficiency. |
| M09 | S001 §214.103(g)(2); C045 | At least half of agency counselors; each counted counselor has at least 6 months in the proposed job. | Denominator is agency counselors, not all employees; all actual counseling staff also require certification. No rounding convention for a fractional headcount is supplied here. |
| M10 | S001 §214.103(l); C054 | At least 1 facility; requirements apply to all facilities. | Identified space, privacy/confidentiality, accessibility/alternatives; broader incorporated standards held. |
| M11 | S001 §214.103(n)(2); S003(e)(2); C057 | 6 examination subject areas, competence in each. | No score, test length, pass percentage, or general retake limit stated in this clause. |
| M12 | S001 §214.105(a); C060 | Single application for the specified controlled branches/affiliates. | Parent control over quality/type is material; SHFA exception remains. |
| M13 | S001 §214.107(a)–(b); C062 | Approval up to 3 years. | All §214.103 requirements; actual period stated by certificate. No guaranteed term or processing deadline. |
| M14 | S001 §214.109; C064 | Within 30 calendar days of written denial notice. | Revised application or written appeal; appeal also subject to §214.205. No actual notice or date. |
| M15 | S001 §214.200(a), (d); C065, C068 | Inactivity not exceeding 6 months, unless HUD extends. | Case-specific temporary impairment; extension duration not quantified here. |
| M16 | S001 §214.200(c); C067 | Notice when ready, no later than the end of inactivity. | Written notice/support; restoration follows HUD review/acceptance. No actual endpoint. |
| M17 | S001 §214.309(a); C074 | Unconditional reapproval up to 3 years. | Full performance compliance; permissive agency decision. |
| M18 | S001 §214.309(b); C075 | Conditional extension up to 120 calendar days. | Failure must not seriously impair counseling capability; not an automatic cure allowance. |
| M19 | S001 §214.309(e); C077 | Immediately, no numerical waiting period stated. | HUD determination of serious impairment; separate appeal/remedy questions remain. |
| M20 | S001 §214.205(b); C078 | HUD receives within 30 calendar days from date of decision letter. | Receipt by HUD, not mailing, is stated. No supplied holiday, deemed-receipt, or extension convention. |
| M21 | S001 §§214.103(m)(2), .203, .307; C056, C072–C073 | Periodic, without a fixed universal frequency. | Do not invent annual reapproval or a guaranteed review cadence. Statutory mandatory-review category remains C088. |
| M22 | S006 §4103(22)(A); C010 | IHA established before October 26, 1996, acting on October 26, 1996. | Both temporal conditions plus 1937 Act requirements, no superseding (B) action, and nontribal status are material. Underlying regime held. |
| M23 | S006 §4103(22)(B)–(C); C010 | One or more tribes may establish/authorize the stated entity. | Specified authorization and legal establishment route; no actual entity. |
| M24 | S001 §214.600(c); C022, C034 | 6 areas in Tribal examination, plus qualifying employment. | Same listed subject categories; separate program and certification predicates. |
| M25 | S001 §214.600(e); C035 | Later of 48 months from rule effectiveness or 30 days after examination availability. | HUD Federal Register announcement required; actual availability and counting details not verified. No date calculated. |
| M26 | S003(e)(7)(A); C089 | Residential design for between 1 and 4 families. | Lien plus specified insurance/guarantee predicates. Text’s “between” wording preserved; no property/unit-count methodology inferred. |
| M27 | S003(e)(8)(C); C091 | Not fewer than 2 retesting opportunities before the stated suspension route. | Continued lack of competence, required determinations, and area-capacity condition remain necessary. |
| M28 | S003(i)(3)(B); C093 | Not less than 60 days’ prior written notice. | Denial of renewal under that paragraph; no finalization until period ends. Not a universal approval-termination period. |
| M29 | S003(i)(3)(C); C093 | Written request within that notice period. | Triggers specified informal conference; no independent additional period or actual notice event. |
| M30 | S003(i)(2); C094 | Reimburse/return within 12 months after misuse determination; future ineligibility at any time after determination. | Secretary’s material-misuse determination and covered financial assistance; no consumer-debt effect. |
| M31 | S020 §1400(c); C106 | Final rules before end of 18-month period from designated transfer date; effect not later than 12 months after final issuance. | Separate default for provisions lacking rules at the eighteen-month point. Designated event and application unresolved; no calendar computation. |
| M32 | S013 original §214.103(n)(4); C099 | Historical 36 months after announced examination commencement. | Superseded ordinary-program transition; not current grace. |
ID · Date/count and exact source · Legal or evidentiary function; limits · 19 data rows
| ID | Date/count and exact source | Legal or evidentiary function; limits |
|---|---|---|
| M33 | S001 A–C inventory: 2 + 5 + 4 sections, eleven total | Research inventory, not a legal threshold. |
| M34 | S011: published 9/28/2007, effective 10/29/2007 | Publication and legal commencement are distinct. |
| M35 | S001/S011 §214.100(b): approval on/before 10/29/2007; application on/before 9/28/2007 followed by approval; compliance 10/1/2007; approvals after 10/29/2007 must comply | Exact historical categories and chronological anomaly preserved. No operational date calculation or corrective inference. |
| M36 | S020: enacted 7/21/2010 | Enactment does not itself resolve every §1400(c) application question. |
| M37 | S012: published 12/7/2015; effective 1/6/2016 | Selected incorporation amendments. |
| M38 | S013: published 12/14/2016; effective 1/13/2017 | Certification rule adoption, distinct from later compliance. |
| M39 | S014: published 5/31/2017; examination 8/1/2017; then-compliance 8/1/2020 | Historical examination/transition sequence; compliance date superseded. |
| M40 | S015: published 8/5/2020; posting-effectiveness qualification; compliance 8/1/2021 | Actual posting event unverified. Valid-notice qualification preserved. |
| M41 | S016: final adoption effective 12/4/2020 | Interim change adopted without modification. |
| M42 | S017: correction effective 12/14/2020; correct historical comment closing 9/4/2020 | Publication correction, not new certification compliance or consumer deadline. |
| M43 | S018: published 6/12/2024; effective 7/12/2024 | Starts one limb of M25; the later-of result remains uncomputed. |
| M44 | S019: published 9/16/2024; effective 10/16/2024 | Facility/delivery revision commencement. |
| M45 | S021: became law 7/11/2026 | Enactment of selected statutory changes; no complete subsequent-law chain inferred. |
| M46 | S001–S002: initial 10/23/2026, refreshed selected pages 10/26/2026; Title 24 amendment banner 8/20/2026 | Compilation/editorial metadata, not the date every selected clause was amended. |
| M47 | S010: currency 10/26/2026, Title 2 amendment banner 8/17/2026 | Same metadata limitation. |
| M48 | S003–S006: P.L. 119-134, 10/20/2026; S007: P.L. 119-124, 10/15/2026 | Different statutory compilation bounds; no later-law completeness assertion. |
| M49 | S022: 2025 annual edition; attempted 2026 alternative unavailable | Edition distinction; no complete annual reading. |
| M50 | All source checks: 10/28/2026 PDT | Actual research access date, not issuance or effectiveness. |
| M51 | S024 opening: enactment header 12/31/1970 | Metadata read; material §903 body not retrieved. Other failed historical pages supply no verified operative quantities. |
Branch/status · Supported conditional rule, including material conditions · Exact claim/source · 40 data rows
| Branch/status | Supported conditional rule, including material conditions | Exact claim/source | Missing evidence or authority | Adverse inference to avoid | Next permissible generic public-law inquiry |
|---|---|---|---|---|---|
| B01 — Scope unknown; A/P | If counseling is HUD-required, funded, required as an assistance condition, or a qualifying grantee referral, apply the stated connection rule, subject to the Tribal exception. | C004–C007, C034; S001 §214.1; S002 §5.111 | Relevant program category and complete program incorporation. | Every housing/debt-help provider is covered. | Read only the generic statute/regulation establishing the particular program connection. |
| B02 — Current original inaccessible; P | A failed endpoint cannot establish repeal or replace a successfully read body; use the recorded official alternative only within its bounds. | C001, C109–C110; S008, S022–S025 | Current §1701x-1 edition and unavailable older originals. | Inaccessibility means no authority exists. | Reopen the same official legal publications through ordinary public access. |
| B03 — Nonprofit/tax category unknown; A/P | Nonprofit criteria retain §12704(5)(A)–(C), exclude D, and coexist with the separately stated tax/governmental proof rules. | C008–C009, C038; S001 .103(a); S004–S005 | Complete applicable §501(c), §§502–503, and state organizational authority. | “Nonprofit” alone proves approval or all tax conditions. | Read the relevant generic tax category and denial clauses, without entity lookup. |
| B04 — Affiliate/branch relationship unknown; A | Separate incorporation and all affiliate conditions differ from subordinate branch status; a branch cannot also be an affiliate/subgrantee under the definition. | C018–C019, C026; S001 .3 | Organizational relationship, entirely absent. | A label establishes separate approval. | Compare the complete definitions with any further generic HUD classification instruction, if necessary. |
| B05 — Intermediary/LHCA/MSO unknown; A/P | Apply delivery/control/support predicates together with the stated geographic descriptions; geography alone is insufficient. | C023–C025; S001 .3 | Actual structure; authoritative resolution of any category overlap. | Two-state wording automatically determines the category. | Read a generic official interpretation of these category definitions. |
| B06 — SHFA category/request unknown; A/P | Only the defined statutory SHFA category receives §105(b)’s application exception, with request/assurance or announced alternative procedure. | C030, C061; S001 .3, .105(b); S003(h)(5) | Generic constituting authority and any current alternative procedure. | Every governmental body is exempt from approval procedures. | Read the public SHFA-category statute and any generic Federal Register procedure. |
| B07 — Experience and community base unknown; A | One-year program/intermediary experience and one-year functioning in work-plan geography are distinct cumulative requirements for their specified actors. | C039, C041; S001 .103(b), (d) | Relevant type, success, duration, and geography. | Organizational age alone satisfies both. | Examine generic instructions explaining these criteria, without application records. |
| B08 — Ineligibility predicate unknown; A/P | The specified restriction, qualifying indictment/conviction, or unresolved government finding disqualifies under the criterion only within its stated actors and conditions. | C040; S001 .103(c) | Applicable exclusion authority and all actual predicates. | A rumor, allegation, or unrelated offense proves ineligibility. | Read only the relevant generic exclusion standard; no record/party search. |
| B09 — Records/CMS criteria unknown; A/P | Established reviewable/confidential records and a HUD-compatible automated tracking system are required; broader incorporated controls remain separate. | C042–C043, C087; S001 .103(e)–(f), .315(g) | Full incorporated requirements and any actual implementation. | Approval proves privacy/security compliance. | Read narrowly necessary 2 CFR 200 or cited civil-rights record clauses in a separate component. |
| B10 — Financial capacity unknown; A | At approval, available funds or a written commitment must cover the initial twelve-month plan operations. | C044; S001 .103(g)(1) | Costs, resources, commitment, and approval event—all absent. | Federal approval guarantees funding or solvency. | Read generic evidence instructions for §103(g)(1), not financial records. |
| B11 — Staff certification/experience unknown; A | Training, certification of all counseling staff, and the half-of-counselors/six-month experience test are cumulative. | C021, C045, C057–C059; S001 .103(g)(2), (n) | No staff, work, examination, or certification evidence. | An examination pass alone establishes complete current status. | Read generic certification-verification and employment-condition instructions. |
| B12 — Language capability unknown; A | Fluency, interpreter use, or referral is an alternative structure, not proof of immediate service in a language. | C046; S001 .103(g)(3) | Service needs and actual capability absent. | Every agency must personally employ every language capability. | Read generic implementation guidance for the alternative paths. |
| B13 — Program knowledge unknown; A | Mandatory working knowledge and “should” familiarity have different force. | C047; S001 .103(h) | Actual staff knowledge absent. | A suggested familiarity becomes a separately proven mandatory credential. | Read any generic official explanation of the knowledge criterion. |
| B14 — Contracting-out exception unknown; A/P | Demonstrated unmet geographic need, absence of the specified network, contractor eligibility, allocated duties, and prior written HUD approval must all be satisfied. | C048–C049; S001 .103(i)(1) | Every exception predicate; no geographic/provider inquiry authorized. | Any contract is permitted because a service is useful. | Read generic HUD approval instructions for this exception only. |
| B15 — Affiliate agreement or individual network; A/P | Affiliate agreements need accountability/monitoring detail; individual-counselor networks require prior discretionary HUD approval for a HUD-identified special need. | C050–C051; S001 .103(i)(2)–(3) | Full grant-rule incorporation and authorized generic special-need standard. | Informal letters eliminate substantive controls. | Read the narrow 2 CFR 200 monitoring clause or generic special-network instruction. |
| B16 — Referral/community/local operation; A/P | Community referral relationships and state/local operational compliance are separate approval criteria. | C052–C053; S001 .103(j)–(k) | State/local law and actual relationships absent. | Federal participation supplies every required license. | Identify the relevant generic licensing/operational law in a separately authorized component. |
| B17 — Facility/accessibility unknown; A/P | At least one facility and all stated space/privacy/access conditions remain required after the modernization amendment. | C054, C104; S001 .103(l); S019 | Complete incorporated accessibility standards and actual facilities. | Remote counseling eliminates facility/accessibility duties. | Read the exact generic accessibility clause only if that separate issue becomes necessary. |
| B18 — Work-plan content/change unknown; A | The plan must contain all listed elements, be periodically reviewed, and be supplied to HUD when changed; anticipated outcomes are not measured results. | C027, C055–C056; S001 .103(m) | No plan, change, resource, or outcome evidence. | Stated goals prove performance or permissible fees. | Read generic work-plan instructions; retain §214.313 outside this pass. |
| B19 — Counseling/education/reverse category; A | Tailored counseling and group education differ; action-plan exception is specific to reverse mortgages; group educators must offer corresponding individual counseling. | C011–C017, C032, C080, C083; S001 .3, .300(a) | Actual service category and performance absent. | A class is individualized counseling or every plan can be omitted. | Read only generic service-category interpretation if classification remains disputed. |
| B20 — Remote format/national reach; A/P | Remote formats remain subject to geography, resources, knowledge, accessibility, and requested in-person referral; national special-needs delivery requires prior approval. | C081–C082, C085; S001 .300(a)(3)–(6), .303(e) | Approval/work-plan predicates and full accessibility law. | An online format permits unrestricted national service. | Read a generic instruction implementing the specific format or special-network clause. |
| B21 — Application versus approval; A | Required submission and evidence do not establish approval; the all-criteria decision produces the letter/certificate and stated period. | C060–C062; S001 .105, .107 | All application and decision facts absent. | Filing or possessing a blank form means approval. | Examine generic prescribed application instructions only if necessary later. |
| B22 — Listing/current status unknown; A/X | Listing is a referral mechanism and may be removed/restored through status procedures. | C063, C066–C070; S001 .107(c), .200–.201 | No roster or status record examined. | A historical listing proves active status or available service. | Clarify generic legal effect of listing; actual lookup remains excluded. |
| B23 — Denial and appeal route; A/P | Written reasons, revised-application option, and timely written appeal apply with the separate §109 and §205 wording preserved. | C064, C078–C079; S001 .109, .205 | Applicable decision, date, receipt, counting/service authority. | Mailing within thirty days necessarily suffices or appeal automatically stays action. | Read a generic procedural provision addressing receipt/counting, if one governs. |
| B24 — Temporary impairment/inactivity; A | HUD may use inactivity for temporary impairment on request or information, generally no more than six months unless extended. | C065–C066; S001 .200(a)–(b) | Impairment, request, and decision absent. | Loss of funds automatically creates inactive status. | Read generic documentation instructions for §200, without agency records. |
| B25 — Resumption/extension; A | Written notice/support is due when ready or by period end; HUD review precedes possible restoration; persistence permits extension or termination/removal. | C067–C068; S001 .200(c)–(d) | Actual condition/end date/acceptance absent. | Time passage automatically restores standing. | Read generic resumption and extension instructions. |
| B26 — Termination/certificate; A/P | A confirmed listed ground permits the stated status/grant actions; written termination/withdrawal and certificate rules follow. | C069–C071; S001 .201 | Confirmed ground, appropriate actor, decision, and other-law procedure. | A complaint automatically terminates approval or grants consumer relief. | Read the applicable generic termination/exclusion procedure only. |
| B27 — Reapproval/review; A/P | End-of-period reapproval language is conditioned by the review language and incorporated performance outcomes, plus the later statutory recipient-review duty. | C072–C074, C088; S001 .203, .307–.309; S003(e)(6) | Compliance, review, assistance category, decision absent. | Approval renews indefinitely or all reviews are optional. | Read generic implementation of the 2026 review amendment. |
| B28 — Conditional extension/serious impairment; A | Nonserious failure permits up to 120 calendar days; serious impairment permits immediate termination; follow-up and appeal routes remain distinct. | C075–C078; S001 .309(b)–(f) | HUD’s impairment determination and any correction absent. | Every deficiency guarantees a 120-day cure period. | Read generic criteria explaining serious impairment, if officially supplied. |
| B29 — Statutory performance comparison; A/P | The optional comparison is limited to specified prepurchase counselors, assisted organizations, covered loans, comparable markets, and appropriate factors. | C088–C090; S003(e)(6)–(7) | Full insurance/guarantee chain and methodology; all actual data absent. | A default rate alone proves counselor quality or causation. | Read generic implementing standards for (e)(7), without datasets or personnel records. |
| B30 — Competence action/retesting; A/P | The competence and capacity findings precede the staged actions; suspension has the stated minimum retesting opportunity predicate. | C091; S003(e)(8) | Implementing construction of “may”/“required,” competence/capacity standards. | Examination history alone proves a lawful suspension. | Read only generic adopted implementation or official construction of (e)(7)–(8). |
| B31 — Financial-assistance renewal; A/P | Nonrenewal under (i)(3) requires the review/regulatory predicates, at least sixty days’ notice, and a conference upon timely written request. | C092–C093; S003(i)(3)–(4) | Assistance classification, implementing regulation, notice/counting details. | This notice automatically governs every approval termination. | Read generic implementation distinguishing grant renewal from program approval. |
| B32 — Material misuse; A/P | The separate material-misuse determination triggers repayment/return and future covered-assistance ineligibility, with other remedies preserved. | C094; S003(i)(2), (4) | Authorized determination and assistance conditions absent. | Every discrepancy means permanent program expulsion or debt forgiveness. | Read generic assistance-accountability procedure if necessary. |
| B33 — Tribal/program exception; A/P | Only the specified IHBG/ICDBG connection invokes §600’s exception; other HUD counseling requires regular certification and participation. | C022, C034; S001 .600(a)–(d); S006 | Program and entity definitions, with uncompleted underlying regimes. | All tribal counseling is exempt from Part 214. | Read the exact generic program-connection/recognition clause needed. |
| B34 — Tribal transition unknown; P | The later-of rule requires both rule-effectiveness and examination-availability events to be understood; no deadline can be supplied from one alone. | C035, C103; S001 .600(e); S018 | Official examination-availability announcement and counting authority. | Forty-eight months alone fixes the actual deadline. | Locate the generic Federal Register examination-start notice, without counselor lookup. |
| B35 — Historical dates/text conflict; P | Preserve the 2007 compliance chronology and other literal anomalies instead of silently repairing them. | C097, C111; S001, S011, S020 | Official correction or narrowly applicable construction. | An apparent drafting error authorizes an invented deadline or substantive rule. | Search only official correction/adoption text for the precise clause. |
| B36 — Broader exclusion/remedy regime; P/X | Part 24 redirects to supplemented 2 CFR Part 180 rules; the selected reference does not establish the complete proceeding. | C071, C079; S009–S010 | Complete relevant exclusion procedure and jurisdiction. | A citation alone proves a sanction, stay, or private remedy. | Read the indispensable generic Part 2424/180 clauses in a separate focused inquiry. |
| B37 — Approval/certification terminology; A/X | Neither status implies HUD endorsement/warranty; each has specific legal predicates. | C020–C022, C036, C112; S001 .3, .100(a) | All actual standing, licensing, quality, and independence evidence absent. | “HUD-approved” means universally legitimate, suitable, or successful. | Clarify only the generic statutory meaning of the separate credential or license. |
| B38 — Funding and outcome; A/X | Approval does not guarantee grants; statutory authorization and no-additional-funds language do not establish an appropriation or award. | C086, C108; S001 .311(a); S021 §1202 | Actual appropriation/award and consumer outcome absent. | Approval guarantees money, free service, savings, or relief. | Read the generic funding authority only if separately necessary; no award/recipient search. |
| B39 — Outside-subpart service/fee/privacy; P/X | Only identified narrow D clauses were used; fees, full service standards, data handling, and grant administration require their own authority. | C042, C055–C056, C080–C087, C112 | Full downstream regimes intentionally unexamined. | This pass certifies fees, privacy, complaints, or all service duties. | Separate §214.313, remaining D/E, or another exact public-law component if later authorized. |
| B40 — Other A090 help and personal application; X | The selected program framework cannot establish actual eligibility, representation authority, service availability, or an individual outcome. | C004, C036, C053, C086, C112 | All actual facts and other directory/regime evidence. | Housing-program approval resolves legal aid, tax, medical, military, emergency, or debt-relief suitability. | Identify the separate generic public authority for the relevant help category; no provider search here. |
Analytical field label · Authority entry · Evidence entry · 33 data rows
| Analytical field label | Authority entry | Evidence entry | Analysis | Result |
|---|---|---|---|---|
| Source title and authority | ||||
| Source version/compilation | ||||
| Legal publication status | ||||
| Actual access/read bounds | ||||
| Statutory versus regulatory category | ||||
| Generic counseling category | ||||
| Generic organizational category | ||||
| Generic individual certification category | ||||
| Governing program connection | ||||
| Incorporated definition | ||||
| Organizational/tax predicate | ||||
| Experience predicate | ||||
| Geographic/community predicate | ||||
| Resource/capacity predicate | ||||
| Staffing/certification predicate | ||||
| Language/referral predicate | ||||
| Facility/accessibility predicate | ||||
| Work-plan requirement | ||||
| Contracting exception | ||||
| Application procedure | ||||
| Approval/status category | ||||
| Review/reapproval category | ||||
| Inactivity/resumption category | ||||
| Termination/withdrawal category | ||||
| Appeal or conference route | ||||
| Quantity/unit/base | ||||
| Trigger/counting convention | ||||
| Historical/current transition | ||||
| Statutory/regulatory interaction | ||||
| Other-law limit | ||||
| Missing public authority | ||||
| Unresolved application boundary | ||||
| Exact next generic inquiry |
User question/material subquestion · Status and finding · Claim/source/branch crosswalk · 41 data rows
| User question/material subquestion | Status and finding | Claim/source/branch crosswalk | Missing evidence and exact next permissible inquiry |
|---|---|---|---|
| 1.1 Complete A/B/C organization | Answered. Eleven complete sections; no invented reserved bodies. | C001–C002; S001; §1 inventory | No source-body gap for selected A–C. |
| 1.2 Authority/source credits/current display | Answered with currentness limit. Current compilation and source credits distinguished from adopted law. | C001, C003, C097–C110; S001–S025 | Post-display later-law/judicial chain not certified; examine only new official legal publications if necessary. |
| 1.3 Whole versus selected extent | Answered. Whole A–C; specified narrow outside clauses; no whole Part/statute claim. | Source register; C080–C087 | Remaining D/E excluded; use exact clause pointers rather than extend this report. |
| 2.1 All §214.3 definitions | Answered. Every defined category inventoried and materially mapped. | C011–C033; S001; B04–B06, B19 | Actual classifications absent. |
| 2.2 Nonprofit/tax incorporation | Partial. §12704(5) complete; §501 complete relevant gateway but not full tax taxonomy/denial chain. | C008–C009, C038; S004–S005; B03 | Read applicable generic §501(c), §§502–503 before a dependent tax conclusion. |
| 2.3 Counseling/HUD connection | Answered at selected level. Three §5.100 definitions and complete §5.111 read; statutory g(1) read. | C004–C007, C013–C017; S002–S003; B01, B19 | Underlying enumerated program eligibility remains held. |
| 2.4 Tribal definition/exception | Partial. Complete §600 and §4103(22); recognition dependencies not completed. | C010, C022, C034–C035; S006, S018; B33–B34 | Narrow recognition/program clauses and exam-start announcement, if needed. |
| 2.5 Statutory authority | Partial. Main authority and delegation clause read; §1701x-1 current compilation unresolved. | C003, C006–C010, C096, C109; S003–S010 | Ordinary reopening of current official §1701x-1 and its relevant notes. |
| 3.1 Organizational/experience/ineligibility criteria | Answered textually. All §103(a)–(d) conditions mapped. | C037–C041; S001; B03, B07–B08 | Actual facts absent; full tax/exclusion regimes held. |
| 3.2 Records and client-management criteria | Partial incorporation. Exact requirements mapped; full external controls not read. | C042–C043, C087; B09 | Narrow generic incorporated controls, not records inspection. |
| 3.3 Resources/staff/language/knowledge | Answered textually. Alternatives and cumulative predicates retained. | C044–C047; B10–B13 | No financial, personnel, service, or knowledge findings. |
| 3.4 Contracting exceptions | Answered textually; incorporation partial. All three alternatives preserved. | C048–C051; B14–B15 | Relevant 2 CFR 200 monitoring provisions and generic approval instructions. |
| 3.5 Community/local/facility/work plan | Answered textually; other-law merits held. | C052–C056; B16–B18 | State/local law, full accessibility law, actual implementation absent. |
| 3.6 Individual certification | Answered for selected ordinary route; Tribal timing partial. | C021–C022, C034–C035, C057–C059; B11, B33–B34 | No actual certification; Tribal exam event remains unknown. |
| 3.7 Approval versus other qualifications | Answered boundary. No licensing, grant, legal-representation, consumer-eligibility, or outcome finding. | C036, C053, C086, C112; B37–B40 | Separate public authority needed for each other consequence. |
| 4.1 Ordinary application | Answered. Prescribed submission and controlled-network single application. | C060; S001 .105(a); B21 | Actual forms/applications excluded. |
| 4.2 SHFA procedure | Partial. Regulatory alternative complete; later generic announced procedures not surveyed. | C061; B06 | Read only an applicable public procedural announcement. |
| 4.3 Approval/duration/notice/listing | Answered. Conditional “will,” up-to term, letter/certificate, permissive listing distinguished. | C062–C063; B21–B22 | No decision, term, listing, or service availability established. |
| 4.4 Denial/revision/appeal | Answered textually; counting details unresolved. | C064, C078–C079; B23 | Exact generally applicable service/counting rule, if any. |
| 5.1 Inactive status | Answered. Grounds, written procedure, period, restoration, and extension distinctions. | C065–C068; B24–B25 | No actual condition/status/event. |
| 5.2 Termination/withdrawal | Answered selected text; exclusion regime partial. | C069–C071; B26, B36 | Full relevant Part 2424/180 procedure remains separate. |
| 5.3 Reapproval/performance | Answered selected regulation. Complete .203, .307, .309 read. | C072–C078; B27–B28 | Actual compliance/review absent. |
| 5.4 2026 statutory review qualification | Answered statutory text; implementation partial. | C088–C091, C107; S003, S021; B29–B30 | Generic implementing standards and “may/required” construction unresolved. |
| 5.5 Financial-assistance renewal | Answered statutory distinction; procedure application partial. | C092–C094; B31–B32 | Actual assistance/decision absent; implementing procedure/counting held. |
| 5.6 Other continued-participation duties | Excluded except named incorporations. No full D/E investigation. | C080–C087, C112; B39 | Exact remaining clause must be separately examined before reliance. |
| 6.1 Original Part 214 adoption | Answered within selected original bounds. Complete original A–C and DATES read. | C097; S011; B35 | Chronological anomaly unresolved; seek official correction/construction only. |
| 6.2 2015–2024 material revisions | Answered selected adopted clauses. Includes 2020 final adoption and correction. | C098–C104; S012–S019 | No complete judicial or later-history audit. |
| 6.3 2010 statutory amendments/transition | Partial. Selected adopted clauses complete; designated-transfer-date chain not completed. | C105–C106; S020 | Read exact designated-transfer/application authority before any date calculation. |
| 6.4 2026 statute | Answered selected enacted text; later implementation held. | C107–C108; S021 | No whole Act/later judicial chain claimed. |
| 6.5 Older original statutes | Unresolved access. Failures preserved. | C109; S023–S025 | Reopen official originals by ordinary access; no inference from failure. |
| 7.1 Approval/certification meaning | Answered. Express no-warranty/no-endorsement limitation. | C036, C112; B37 | No actual provider standing/quality conclusion. |
| 7.2 Actual status, licenses, complaints, languages, privacy, outcomes | Excluded as requested. | C046, C053–C054, C063, C087, C112; B09, B12, B16–B17, B22, B37–B40 | No identifying/provider inquiry authorized. |
| 7.3 Fees and Subpart D boundary | Answered scope boundary. §214.313 and prior handbook findings not adopted. | C055–C056, C080–C087; B39 | Separate focused public-law reading required for fee conclusions. |
| 8.1 Requested comparisons | Answered within source limits. All requested distinctions appear in §4. | C020–C112; comparison table | Handbook legal status not generalized from an unread document. |
| 8.2 Other directories/help categories | Excluded. | C112; B40 | Separate generic authority and separately authorized provider inquiry would be required. |
| 9.1 Complete relied-on measurements | Answered. M01–M51 preserve units, triggers, exceptions, and missing facts. | Measurement register | No actual calculation or score. |
| 9.2 Dates versus legal effect | Answered with identified gaps. | C097–C110; M31–M51 | Posting event, Tribal exam event, older history, and transfer-date chain remain open. |
| 9.3 Counting/service conventions | Unresolved where not supplied. No invented mailbox, holiday, or extension rule. | C064, C078, C093; M14, M20, M28–M29 | Read only the exact generally applicable procedural rule if needed. |
| 10.1 Conditional branches | Answered. Forty substantive branches, each with authority, missing predicate, adverse inference, and next generic inquiry. | B01–B40 | Actual applications remain excluded. |
| 10.2 Blank worksheet | Answered. All authority/evidence/analysis/result cells empty. | §7 | No completed record or decision instrument. |
| Visible evidence/logs/self-check | Answered with explicit limitations. | §§2–10 | No independent review, operational acceptance, or publication acceptance claimed. |
Reading group · What was actually completed · What was not claimed · 7 data rows
| Reading group | What was actually completed | What was not claimed |
|---|---|---|
| Current Part 214 | Whole A–C, all definitions and nested criteria; specified narrow D/F clauses. | Whole Part 214, all service/fee/grant/civil-rights rules, or a provider review. |
| Current statutory authority | Recorded complete clauses of §1701x; §12704(5); §3535(d); TDHE/related definitions; limited §501 gateway. | Whole housing, tax, tribal-recognition, grant, insurance, or exclusion regimes. |
| Adopted Part 214 history | Original A–C; selected complete 2015, 2016, 2020, and 2024 amendatory instructions; 2017 examination notice; 2020 correction. | Entire preambles, all comments, all Parts amended by those instruments, or judicial validation. |
| Selected statutory history | Recorded 2010 clauses and transition; 2026 §101(1)–(3), severability and no-additional-funds clauses. | Entire Acts or exhaustive earlier/later amendment chain. |
| Older official alternatives | Undated §1701x-1 extract and 2025 CFR opening metadata. | Authenticated current §1701x-1 edition or complete annual-CFR A–C reading. |
| Search results | Citation/title discovery only. | Search snippets, mirrors, or incidental unrelated results as operative legal evidence. |
| PDF handling | Parsed text with printed-page and zero-based-index references. | Pixel inspection, unseen pages, completed forms, or whole-file visual review. |
Endpoint(s) · Observed result and retained limit · Readable alternative/result · 18 data rows
| Endpoint(s) | Observed result and retained limit | Readable alternative/result |
|---|---|---|
| https://www.federalregister.gov/citation/72-FR-55648 | 429 Too Many Requests. | S011 GovInfo original PDF/HTML read. |
| https://www.federalregister.gov/citation/89-FR-49807 | 400 timeout. | S018 GovInfo PDF read. |
| https://www.federalregister.gov/citation/80-FR-75936 | 503 unavailable. | S012 GovInfo PDF read. |
| https://www.govinfo.gov/content/pkg/CFR-2026-title24-vol2/pdf/CFR-2026-title24-vol2-part214.pdf | Not accessible. | Current eCFR read; 2025 annual opening only, S022. |
| https://uscode.house.gov/us/usc/t12/s1701x-1/ https://uscode.house.gov/us/usc/119-134/t12/s1701x-1/ | Not accessible. | S008 readable official extract, edition unknown. |
| https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title12-section1701x-1&num=0&edition=prelim | Maintenance response after normalization/redirect. | Same S008 limitation; no bypass attempted. |
| https://uscode.house.gov/us/usc/119-134/t42/s3535/ | Not accessible. | S007, displayed October 15 compilation, read. |
| https://www.govinfo.gov/content/pkg/FR-2024-06-12/html/2024-12777.htm | Not accessible. | S018 PDF read. |
| https://www.govinfo.gov/content/pkg/FR-2015-12-07/html/2015-29692.htm | Not accessible. | S012 PDF read. |
| https://www.govinfo.gov/content/pkg/FR-2020-12-04/html/2020-26194.htm | Not accessible. | S016 PDF read. |
| https://uscode.house.gov/statviewer.html?page=490&volume=82 https://uscode.house.gov/statviewer.html?page=1808&volume=84 https://uscode.house.gov/statviewer.html?page=3719&volume=106 | Viewer shells without readable adopted bodies or inspected pixels. | No original-clause reading credited. |
| https://www.govinfo.gov/link/statute/82/490 https://www.govinfo.gov/link/statute/84/1808 https://www.govinfo.gov/link/statute/106/3719 | Not accessible. | Earlier statutory-history gaps retained. |
| https://www.govinfo.gov/content/pkg/STATUTE-82/pdf/STATUTE-82-Pg476.pdf | Content too large for retrieval. | S023 remains discovery/failure only. |
| https://www.govinfo.gov/content/pkg/STATUTE-84/pdf/STATUTE-84-Pg1770.pdf | Opening title text succeeded; later material-clause find/open attempts timed out. | S024 limited to actual opening read; §903 not credited as read. |
| https://www.govinfo.gov/content/pkg/STATUTE-106/pdf/STATUTE-106-Pg3672.pdf | Content too large for retrieval. | S025 remains discovery/failure only. |
| https://www.federalregister.gov/documents/2020/12/14/2020-27284/housing-counseling-program-revision-of-the-certification-timeline-correction | A candidate endpoint failed; its document number was not authenticated. | The actual correction was subsequently identified and read as S017, document 2020-27145. The failed candidate is not cited as the correction’s identity. |
| https://uscode.house.gov/us/usc/119-134/t12/s1701x/ | One direct reopen failed after earlier successful complete selected reads. | A subsequent selected read succeeded. Both success and transient failure are preserved. |
| eCFR pages in S001–S002, S009–S010 | “Unsupported browser” banner appeared, but the legal bodies were readable. | This was not classified as failure to read the bodies or as a security barrier. |
Gap · Exact limit · Permissible next generic inquiry · 10 data rows
| Gap | Exact limit | Permissible next generic inquiry |
|---|---|---|
| Currentness after displayed cutoffs | No exhaustive post-October-20 statutory or post-October-26 regulatory/judicial chain certification. | Read later official adopted publications affecting the exact selected provisions, without party/case searches. |
| Older original statute history | Material 1968/1970/1992 originals not fully retrieved. | Ordinary official-publication reopening of the precise adopted clauses and application notes. |
| Section 1701x-1 edition | Complete official extract read, but current edition not authenticated. | Reopen current OLRC body/notes and compare with the selected 2010 enactment. |
| Tax and organizational qualification | Full §501(c), §§502–503, and relevant state-law incorporation not completed. | Narrow generic tax/organizational clauses; no entity status search. |
| Tribal recognition and transition | Underlying recognition/1937 Act chain and examination-availability announcement not completed. | Exact public definition/application clauses and generic Federal Register examination notice. |
| Grant/exclusion/civil-rights/accessibility incorporation | Full 2 CFR 200, 2 CFR 180/2424, 24 CFR 1.6/121, disability-access, and privacy regimes not analyzed. | Only the complete narrow clause needed for a separately scoped conclusion. |
| 2026 implementation | No complete implementation or construction of the review, competence, or financial-assistance-renewal provisions. | Generic adopted HUD implementation and exact procedural clauses. |
| Textual discrepancies | 2007 chronology, statutory/regulatory wording differences, and literal cross-reference anomalies remain unresolved. | Official correction or narrowly necessary generic legal construction; no silent repair. |
| Actual participant and consumer matters | All actual status, records, applications, service availability, resources, outcomes, and individual eligibility absent. | No actual inquiry is authorized by this pass. |
| Remaining A090 and Subpart D subjects | Fees, full services/recordkeeping, legal aid, other help categories, and provider directories remain outside scope. | A distinct public-law component, if separately requested; prior reports are not premises. |
Check · Result · 10 data rows
| Check | Result |
|---|---|
| Independent foundation | Current public originals and recorded official alternatives were used; earlier reports were not adopted. |
| Complete selected regulatory reading | Complete Subparts A–C read, including all definitions, criteria, exceptions, status provisions, and appeal wording. |
| Outside-subpart restraint | Each relied-on outside clause is identified; §214.313 fees and a full D/E investigation remain excluded. |
| Current statutory qualification | The 2026 review, competence, and financial-assistance-renewal amendments were read in both the current Code and selected enacted body. |
| Numbers and dates | Quantities, denominators, timing events, historical dates, exceptions, and absent counting conventions are visible in M01–M51. |
| Source honesty | Successful reads, incomplete originals, failed endpoints, displayed cutoffs, and parsed-text limits are preserved. |
| Application restraint | No provider, counselor, roster, application, account, record, actual decision, or fictional scenario was queried or created. |
| Terminology restraint | Approval, certification, participation, licensing, funding, listing, service quality, and consumer outcome remain distinct. |
| Deliverables | Source and claim registers, comparisons, measurement register, forty branches, blank worksheet, granular coverage, failure log, and gaps are visible in this answer. |
| Review/acceptance status | This is a researcher self-check only. No independent review, component/parent acceptance, operational approval, or publication acceptance is claimed. |
Read the evidence with its boundaries. These are saved research components, including revisions. A scoped coordinator review checks selected evidence; it does not certify every claim, a complete jurisdiction, current law or individual applicability. Dates and access limits remain attached to the records.
Recorded check status: whole report reviewed selected primary checks only see exact source bounds
Recorded check status: whole report reviewed selected primary checks only see exact source bounds
Recorded check status: whole report reviewed selected primary checks only see exact source bounds
Recorded check status: whole report reviewed selected primary checks only see exact source bounds
Recorded check status: whole report reviewed selected primary checks only see exact source bounds
Recorded check status: whole report reviewed selected primary checks only see exact source bounds
Recorded check status: whole report reviewed selected primary checks only see exact source bounds
Recorded check status: whole report reviewed selected primary checks only see exact source bounds
Recorded check status: whole report reviewed selected primary checks only see exact source bounds
Recorded check status: whole report reviewed selected primary checks only see exact source bounds
Recorded check status: whole report reviewed selected primary checks only see exact source bounds
Recorded check status: whole report reviewed selected primary checks only see exact source bounds
Recorded check status: whole report reviewed selected primary checks only see exact source bounds
Recorded check status: whole report reviewed selected primary checks only see exact source bounds
Recorded check status: whole report reviewed selected primary checks only see exact source bounds
Recorded check status: whole report reviewed selected primary checks only see exact source bounds
Recorded check status: whole report reviewed selected primary checks only see exact source bounds
Recorded check status: whole report reviewed selected primary checks only see exact source bounds
Recorded check status: whole report reviewed selected primary checks only see exact source bounds
Recorded check status: whole report reviewed selected primary checks only see exact source bounds
Recorded check status: whole report reviewed selected primary checks only see exact source bounds
Recorded check status: whole report reviewed selected primary checks only see exact source bounds
Recorded check status: whole report reviewed selected primary checks only see exact source bounds
Recorded check status: whole report reviewed selected primary checks only see exact source bounds
Recorded check status: whole report reviewed selected primary checks only see exact source bounds
Recorded check status: whole report reviewed selected primary checks only see exact source bounds
Recorded check status: whole report reviewed selected primary checks only see exact source bounds
Recorded check status: whole report reviewed selected primary checks only see exact source bounds
Recorded check status: whole report reviewed selected primary checks only see exact source bounds
Recorded check status: whole report reviewed selected primary checks only see exact source bounds
Recorded check status: whole report reviewed selected primary checks only see exact source bounds
Recorded check status: whole report reviewed selected primary checks only see exact source bounds
Recorded check status: whole report reviewed selected primary checks only see exact source bounds
Recorded check status: whole report reviewed selected primary checks only see exact source bounds
Recorded check status: whole report reviewed selected primary checks only see exact source bounds
Recorded check status: whole report reviewed selected primary checks only see exact source bounds
Recorded check status: whole report reviewed selected primary checks only see exact source bounds
Recorded check status: whole report reviewed selected primary checks only see exact source bounds
Recorded check status: whole report reviewed selected primary checks only see exact source bounds
Recorded check status: whole report reviewed selected primary checks only see exact source bounds
Recorded check status: whole report reviewed selected primary checks only see exact source bounds
Recorded check status: whole report reviewed selected primary checks only see exact source bounds
Recorded check status: whole report reviewed selected primary checks only see exact source bounds
Recorded check status: whole report reviewed selected primary checks only see exact source bounds
Recorded check status: whole report reviewed selected primary checks only see exact source bounds
Recorded check status: whole report reviewed selected primary checks only see exact source bounds
Recorded check status: whole report reviewed selected primary checks only see exact source bounds
Recorded check status: whole report reviewed selected primary checks only see exact source bounds
Recorded check status: whole report reviewed selected primary checks only see exact source bounds
Recorded check status: whole report reviewed selected primary checks only see exact source bounds
Recorded check status: whole report reviewed selected primary checks only see exact source bounds
Recorded check status: whole report reviewed selected primary checks only see exact source bounds
Recorded check status: whole report reviewed selected primary checks only see exact source bounds
Recorded check status: whole report reviewed selected primary checks only see exact source bounds
Recorded check status: whole report reviewed selected primary checks only see exact source bounds
Recorded check status: whole report reviewed selected primary checks only see exact source bounds
Recorded check status: whole report reviewed selected primary checks only see exact source bounds
Recorded check status: whole report reviewed selected primary checks only see exact source bounds
Recorded check status: whole report reviewed selected primary checks only see exact source bounds
Recorded check status: whole report reviewed selected primary checks only see exact source bounds
Recorded check status: whole report reviewed selected primary checks only see exact source bounds
Recorded check status: whole report reviewed selected primary checks only see exact source bounds
Recorded check status: whole report reviewed selected primary checks only see exact source bounds
Recorded check status: whole report reviewed selected primary checks only see exact source bounds
Recorded check status: whole report reviewed selected primary checks only see exact source bounds
Recorded check status: whole report reviewed selected primary checks only see exact source bounds
Recorded check status: whole report reviewed selected primary checks only see exact source bounds
Recorded check status: whole report reviewed selected primary checks only see exact source bounds
Recorded check status: whole report reviewed selected primary checks only see exact source bounds
Recorded check status: whole report reviewed selected primary checks only see exact source bounds
Recorded check status: whole report reviewed selected primary checks only see exact source bounds
Recorded check status: whole report reviewed selected primary checks only see exact source bounds
Recorded check status: whole report reviewed selected primary checks only see exact source bounds
Recorded check status: whole report reviewed selected primary checks only see exact source bounds
Recorded check status: whole report reviewed selected primary checks only see exact source bounds
Recorded check status: whole report reviewed selected primary checks only see exact source bounds
Recorded check status: whole report reviewed selected primary checks only see exact source bounds
Recorded check status: whole report reviewed selected primary checks only see exact source bounds
Recorded check status: whole report reviewed selected primary checks only see exact source bounds
Recorded check status: whole report reviewed selected primary checks only see exact source bounds
Recorded check status: whole report reviewed selected primary checks only see exact source bounds
Recorded check status: whole report reviewed selected primary checks only see exact source bounds
Recorded check status: whole report reviewed selected primary checks only see exact source bounds
Recorded check status: whole report reviewed selected primary checks only see exact source bounds
Recorded check status: whole report reviewed selected primary checks only see exact source bounds
Recorded check status: whole report reviewed selected primary checks only see exact source bounds
Recorded check status: whole report reviewed selected primary checks only see exact source bounds
Recorded check status: whole report reviewed selected primary checks only see exact source bounds
Recorded check status: whole report reviewed selected primary checks only see exact source bounds
Recorded check status: whole report reviewed selected primary checks only see exact source bounds
Recorded check status: whole report reviewed selected primary checks only see exact source bounds
Recorded check status: whole report reviewed selected primary checks only see exact source bounds
Recorded check status: whole report reviewed selected primary checks only see exact source bounds
Recorded check status: whole report reviewed selected primary checks only see exact source bounds
Recorded check status: whole report reviewed selected primary checks only see exact source bounds
Recorded check status: whole report reviewed selected primary checks only see exact source bounds
Recorded check status: whole report reviewed selected primary checks only see exact source bounds
Recorded check status: whole report reviewed selected primary checks only see exact source bounds
Recorded check status: whole report reviewed selected primary checks only see exact source bounds
Recorded check status: whole report reviewed selected primary checks only see exact source bounds
Recorded check status: whole report reviewed selected primary checks only see exact source bounds
Recorded check status: whole report reviewed selected primary checks only see exact source bounds
Recorded check status: whole report reviewed selected primary checks only see exact source bounds
Recorded check status: whole report reviewed selected primary checks only see exact source bounds
Recorded check status: whole report reviewed selected primary checks only see exact source bounds
Recorded check status: whole report reviewed selected primary checks only see exact source bounds
Recorded check status: whole report reviewed selected primary checks only see exact source bounds
Recorded check status: whole report reviewed selected primary checks only see exact source bounds
Recorded check status: whole report reviewed selected primary checks only see exact source bounds
Recorded check status: whole report reviewed selected primary checks only see exact source bounds
Recorded check status: whole report reviewed selected primary checks only see exact source bounds
Recorded check status: whole report reviewed selected primary checks only see exact source bounds
Keep the source version, actual read extent and jurisdiction with the proposition. A link or researcher access claim is not a substitute for an operative primary passage.
Recorded check status: selected primary bodies checked with explicit bounds
Recorded check status: selected primary bodies checked with explicit bounds
Recorded check status: selected primary bodies checked with explicit bounds
Recorded check status: selected primary bodies checked with explicit bounds
Recorded check status: not freshly reopened
Recorded check status: not freshly reopened
Recorded check status: not freshly reopened
Recorded check status: not freshly reopened
Recorded check status: not freshly reopened
Recorded check status: not freshly reopened
Recorded check status: selected primary bodies checked with explicit bounds
Recorded check status: not freshly reopened
Recorded check status: not freshly reopened
Recorded check status: not freshly reopened
Recorded check status: not freshly reopened
Recorded check status: not freshly reopened
Recorded check status: not freshly reopened
Recorded check status: not freshly reopened
Recorded check status: selected primary bodies checked with explicit bounds
Recorded check status: not freshly reopened
Recorded check status: selected primary bodies checked with explicit bounds
Recorded check status: not freshly reopened
Recorded check status: not freshly reopened
Recorded check status: not freshly reopened
Recorded check status: not freshly reopened
The saved component-level coverage record keeps answered, partial, blank and unresolved branches distinct. A coverage label is not acceptance of a whole subject or jurisdiction.
Recorded check status: recorded; no individual primary acceptance inferred
Recorded check status: recorded; no individual primary acceptance inferred
Recorded check status: recorded; no individual primary acceptance inferred
Recorded check status: recorded; no individual primary acceptance inferred
Recorded check status: recorded; no individual primary acceptance inferred
Recorded check status: recorded; no individual primary acceptance inferred
Recorded check status: recorded; no individual primary acceptance inferred
Recorded check status: recorded; no individual primary acceptance inferred
Recorded check status: recorded; no individual primary acceptance inferred
Recorded check status: recorded; no individual primary acceptance inferred
Recorded check status: recorded; no individual primary acceptance inferred
Recorded check status: recorded; no individual primary acceptance inferred
Recorded check status: recorded; no individual primary acceptance inferred
Recorded check status: recorded; no individual primary acceptance inferred
Recorded check status: recorded; no individual primary acceptance inferred
Recorded check status: recorded; no individual primary acceptance inferred
Recorded check status: recorded; no individual primary acceptance inferred
Recorded check status: recorded; no individual primary acceptance inferred
Recorded check status: recorded; no individual primary acceptance inferred
Recorded check status: recorded; no individual primary acceptance inferred
Recorded check status: recorded; no individual primary acceptance inferred
Recorded check status: recorded; no individual primary acceptance inferred
Recorded check status: recorded; no individual primary acceptance inferred
Recorded check status: recorded; no individual primary acceptance inferred
Recorded check status: recorded; no individual primary acceptance inferred
Recorded check status: recorded; no individual primary acceptance inferred
Recorded check status: recorded; no individual primary acceptance inferred
Recorded check status: recorded; no individual primary acceptance inferred
Recorded check status: recorded; no individual primary acceptance inferred
Recorded check status: recorded; no individual primary acceptance inferred
Recorded check status: recorded; no individual primary acceptance inferred
Recorded check status: recorded; no individual primary acceptance inferred
Recorded check status: recorded; no individual primary acceptance inferred
Recorded check status: recorded; no individual primary acceptance inferred
Recorded check status: recorded; no individual primary acceptance inferred
Recorded check status: recorded; no individual primary acceptance inferred
Recorded check status: recorded; no individual primary acceptance inferred
Recorded check status: recorded; no individual primary acceptance inferred
Recorded check status: recorded; no individual primary acceptance inferred
Recorded check status: recorded; no individual primary acceptance inferred
Recorded check status: recorded; no individual primary acceptance inferred
Read the evidence with its boundaries. These are saved research components, including revisions. A scoped coordinator review checks selected evidence; it does not certify every claim, a complete jurisdiction, current law or individual applicability. Dates and access limits remain attached to the records.
No currently queued material correction is mapped to this component. This does not remove its currentness, access, jurisdiction or application limits.
reviewed with selected source and application holds
Inside: Bounded authentication supplement: 12 U.S.C. § 1701x-1, home-inspection counseling · Reading conventions · 2.1 Source identity and comparison limits
Inside: Section-specific commencement of P.L. 111-203 § 1451 / 12 U.S.C. § 1701x-1 · Reading conventions · 2. What the commencement framework establishes
Original saved Markdown SHA-256: 3bd0d29d76076b683de9daa2f74b9fe6caa8cf1098ccf40afbaa2f969faf68c7. Public formatting, private-reference removal and correction annotations are separate from that immutable original.