U.S. flag

An official website of the United States government Here’s how you know

The .gov means it’s official.

Federal government websites often end in .gov or .mil. Before sharing sensitive information, make sure you're on a federal government site.

The site is secure.

The https:// ensures that you are connecting to the official website and that any information you provide is encrypted and transmitted securely.

Closed Date:
September 14, 2022

Provide additional guidance to the servicers so they will limit their communication and collection efforts for the borrowers in forbearance.

Publication Report

2022-KC-0001 | December 15, 2021

FHA Borrowers Did Not Always Properly Receive COVID-19 Forbearances From Their Loan Servicers

The U.S. Department of Housing and Urban Development (HUD), Office of Inspector General (OIG), completed an audit to determine whether FHA-insured borrowers properly received the COVID-19-related forbearance.  The Coronavirus Aid, Relief, and… more

Related Recommendations


  • Closed on December 15, 2021

    Perform data analysis of FHA’s portfolio to identify borrowers who are delinquent and did not fully benefit from the COVID-19 forbearance, including those in bankruptcy;

  • Closed on December 15, 2021

    Develop a standardized brochure or informational pamphlet that would inform delinquent borrowers of their right to a forbearance under the CARES Act; and

  •   2022-KC-0001-001-C

    Closed on December 15, 2021

    Ensure that this information is distributed to delinquent borrowers so it can benefit the greatest number of borrowers to put $5.43 billion to better use by avoiding potential future losses on 112,160 loans.

  • Closed on September 19, 2023

    Review the 21 loans with improperly administered forbearance to ensure that the borrowers were remedied by the servicers, if possible, and ensure that these servicers updated their forbearance procedures to prevent future noncompliance.

  • Closed on September 14, 2022

    Ensure that the issues found during our audit are incorporated into QAD’s servicing monitoring reviews.