Document

Privacy Act of 1974; Matching Program

In accordance with the Privacy Act of 1974, as amended, the Department of Housing and Urban Development (HUD) and the Social Security Administration (SSA) are providing notice o...

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Department of Housing and Urban Development

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

AGENCY:

Office of Single-Family Program Development, HUD.

ACTION:

Notice of a new matching program.

SUMMARY:

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

DATES:

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

ADDRESSES:

You may submit comments by any one of three methods—internet, fax, or mail. Do not submit the same comments multiple times or by more than one method. Regardless of which method you choose, please state that your comments refer to Docket No. FR-7106-N-40 so that we may associate your comments with the correct regulation.

CAUTION: You should be careful to include in your comments only information that you wish to make publicly available. We strongly urge you not to include in your comments any personal information, such as Social Security numbers or medical information.

1. Electronically. Interested persons are invited to submit comments electronically to www.regulations.gov. Commenters should follow the instructions provided on the website to submit comments regarding this matching program. To locate the appropriate notice, commenters may search Regulations.gov using the title of this Matching Notice, the participating agency names, or by viewing recently posted HUD dockets and documents. ( printed page 69269)

2. By Regular Mail. You may mail written comments to the following address: U.S. Department of Housing and Urban Development, Office of Single-Family Program Development, Home Mortgage Insurance Division, 451 7th Street SW, Washington, DC 20410.

Comments are also available for public viewing on the Federal eRulemaking portal at www.regulations.gov or in person during regular business hours by arranging with the contact person identified below.

FOR FURTHER INFORMATION CONTACT:

Interested parties may submit general questions about the matching program to Brian Faux, Director, Office of Single-Family Program Development, Department of Housing and Urban Development 451 7th Street SW, Washington, DC 20410; telephone: (202) 674-9348; email: Brian.Faux@hud.gov.

SUPPLEMENTARY INFORMATION:

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

Participating Agencies

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

Authority for Conducting The Matching Program

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

Purpose(s)

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

Categories of Individuals

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

Categories of Records

Records involved in this matching program include Borrower identifying information submitted by HUD to SSA for verification through SSA's Enumeration Verification System (EVS). HUD will submit the following data elements for each Borrower who has provided written consent through Form HUD-92900-A, HUD Addendum to the Uniform Residential Loan Application: first name, last name, Social Security Number (SSN), and date of birth.

SSA will compare the submitted information against SSA records and return a verification response to HUD. The SSA response will include a match/no-match response code, and in the case of a no-match response, the applicable response code and explanatory information. SSA may also provide a response code indicating that a death record was found, when applicable.

The information exchanged under this matching program will be used by HUD to support verification of borrower identifying information in connection with FHA Single-Family mortgage insurance programs.

System(s) of Records

SSA's system of records for disclosure under this Agreement is the Master Files of SSN Holders and SSN Applications (referred to as the Enumeration System), 60-0058, last fully published at 90 FR 10025 (February 20, 2025) and updated at 90 FR 50879 (December 12, 2025), which maintains records about each individual who has applied for and obtained a SSN. HUD's system of records for disclosures under this Agreement is the Single-Family Mortgage Insurance Origination System, HUD/HSNG.03, last fully published at 90 FR 36173 (August 1, 2025) and modified at 91 FR 17290 (April 6, 2026). HUD/HSNG.03 covers three integrated systems: FHA Connection (FHAC), Computerized Homes Underwriting Management System (CHUMS), and Loan Application Management System (LAMS) and will be used to match data transferred from SSA's Enumeration Verification System (60-0058) to HUD.

The routine uses of HUD/HSNG-03 permit the disclosures needed to conduct this matching program. Specifically, Routine Use L permits disclosure to the Social Security Administration through a computer matching program to verify the eligibility of applicants and participants in FHA's housing finance programs.

Priscilla W. Clark,

Senior Agency Official for Privacy, Office of Administration.

[FR Doc. 2026-22357 Filed 11-2-26; 8:45 am]

BILLING CODE 4210-67-P

Legal Citation

Federal Register Citation

Use this for formal legal and research references to the published document.

91 FR 69268

Web Citation

Suggested Web Citation

Use this when citing the archival web version of the document.

“Privacy Act of 1974; Matching Program,” thefederalregister.org (November 3, 2026), https://thefederalregister.org/documents/2026-22357/privacy-act-of-1974-matching-program.