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Hide Section - GENERAL INFORMATION

GENERAL INFORMATION

Committee NameHousing Counseling Federal Advisory CommitteeAgency NameDepartment of Housing and Urban Development
Fiscal Year2019Committee Number2492
Original Establishment Date3/12/2014Committee StatusChartered
Actual Termination Date Committee URLhttps://www.hudexchange.info/programs/housing-c...
New Committee This FYNoPresidential Appointments*No
Terminated This FYNoMax Number of Members*12
Current Charter Date5/2/2018Designated Fed Officer Position Title*Housing Specialist
Date Of Renewal Charter5/2/2020Designated Federal Officer PrefixMs
Projected Termination Date Designated Federal Officer First Name*Virginia
Exempt From Renewal*NoDesignated Federal Officer Middle NameF
Specific Termination AuthorityDesignated Federal Officer Last Name*Holman
Establishment Authority*Authorized by LawDesignated Federal Officer Suffix
Specific Establishment Authority*The Dodd-Frank Act (Expand and Preserve Homeownership through Counseling Act, Public Law 111–203, tiDesignated Federal Officer Phone*(540) 894-7790
Effective Date Of Authority*7/21/2010Designated Federal Officer Fax*804-822-4991
Exempt From EO 13875 Discretionary Cmte Designated Federal Officer Email*virginia.f.holman@hud.gov
Committee Type*Continuing
Presidential*No
Committee Function*Other Committee
Hide Section - RECOMMENDATION/JUSTIFICATIONS

RECOMMENDATION/JUSTIFICATIONS

Agency Recommendation*Continue
Legislation to Terminate RequiredNo
Legislation StatusNot Applicable
How does cmte accomplish its purpose?*The Committee plans to accomplish its purpose through education programs and public service multimedia campaigns to promote Housing Counseling.
How is membership balanced?*The Committee shall be composed of not more than twelve (12) individuals, appointed by the Secretary. Membership of the committee shall equally represent the mortgage and real estateindustry, including consumers and housing counseling agencies approved by the Secretary. HCFAC’s membership will be fairly balanced to include a broad representation of geographicareas within the U.S 42 USC, Section 3533(g) 2012
How frequent & relevant are cmte mtgs?*Estimated two in-person meetings and up to 5 telephonic meetings per fiscal year
Why advice can't be obtained elsewhere?*Mandated by The Dodd-Frank Act (Expand and Preserve Homeownership through Counseling Act, Public Law 111–203, title XIV, § 1441, July 21, 2010, 124 Stat. 2163 (Act), 42 USC 3533(g)
Why close or partially close meetings?Not Applicable
Recommendation RemarksAfter May 31, 2018 there were a total of 8 vacancies on the Committee. As there was no quorum, no meetings were held in the remainder of the FY. On April 9, 2018, HUD published a Federal Register Notice announcing vacancies on the HCFAC. HUD sought nominations to fill the 8 vacancies. Of the 8 new members, 2 each must represent one of the following 4 categories: mortgage industry, real estate industry, consumers, and HUD-approved housing counseling agencies. As of the due date of May 9, 125 applications were received and reviewed. At the end of November, a slate recommended members is being submitted to the Secretary for appointment. An orientation meeting for new members and a meeting of the full Committee is being planned for January 2018. There were a total of 2 meetings held in FY18.
Hide Section - PERFORMANCE MEASURES

PERFORMANCE MEASURES

Outcome Improvement To Health Or Safety*NoAction Reorganize Priorities*Yes
Outcome Trust In GovernmentYesAction Reallocate ResourcesYes
Outcome Major Policy ChangesNoAction Issued New RegulationsNo
Outcome Advance In Scientific ResearchNoAction Proposed LegislationNo
Outcome Effective Grant MakingNoAction Approved Grants Or Other PaymentsNo
Outcome Improved Service DeliveryYesAction OtherNo
Outcome Increased Customer SatisfactionYesAction CommentCommittee actions increased priority for external policies, financial sustainability, and for awareness and visibility activities in the OHC 2018 Strategic Plan. (CMR).
Outcome Implement Laws/Reg RequirementsNoGrants Review*No
Outcome OtherYesNumber Of Grants Reviewed0
Outcome Commentconsideration of the inclusion of housing counseling in the mortgage process.Number Of Grants Recommended0
Cost Savings*NoneDollar Value Of Grants Recommended$0.00
Cost Savings Commentthere were no programmatic cost savings as the Committee did not consider financial issues.Grants Review CommentPursuant to the HUD Act, the Committee shall have no role in reviewing or awarding of housing counseling grants and procurement
Number Of Recommendations*12Access Contact Designated Fed. Officer*Yes
Number Of Recommendations CommentThe Committee met on two times in FY18: 1 in person meetings in Washington, DC and 1 teleconference meeting. At the March 1 in-person meeting , the Committee made the following recommendations to the Office of Housing:
Recommendations Made by the Housing Counseling Federal Advisory Committee – March 1, 2018


1. HUD should engage HCAs to work with Loan Originators on:
a. Collecting consumer fees for counseling in the loan transaction.
b. Providing credits to closing costs or LLPA for counseled borrowers.
2. HUD should consider the timing of appropriations and create ways to minimize financial stress to agencies on late grant awards.
3. Form Subcommittees as needed to conduct research and expedite work.
4. HUD should promote sustainability of housing counseling agencies. Research alternatives such as a dedicated fee (i.e., $50 at home closing) to go to a fund to distribute to HUD housing counseling agencies.
5. Marketing and awareness/public relations:
a. Explore changing the name “housing counseling” and choose a name that makes folks feel good about asking for help.
b. Expand the LISTSERVE to include all HCFAC members (done).
c. Provide training on social media. Train HUD to better use Facebook, Snapchat and other social media tools.
6. Create continuing ed classes in housing counseling for loan originators and real estate agents.
7. Permit HUD to distribute funds from private funders. Create a pool that donors can contribute to that would supplement the appropriated funds.
8. Bake housing counseling into the mortgage process through incentives and ensure the counseling occurs early in the process (prior to contract of sale):
a. Require or incentivize housing counseling on FHA loans.
b. Review and revise all FHA requirements to embrace housing counseling (origination and loss mitigation).
9. Reverse Mortgage #1: Terms for nonborrowing spouse too onerous. Consider alternatives to evicting the nonborrowing spouse if borrower is in assisted living for more than a year. HUD underwrites for the younger borrower but that borrower can’t benefit from it. Train HCs to help them understand NBS requirements.
10. Reverse Mortgage #2: HUD instructions on HECM default can be improved. 1/3 people in T&I default can be helped. HUD should improve directions to lenders, should allow catching up if more than $10,000 in default, should allow those over 80 to catch up. Require lenders to assist borrowers with workouts. Require lender referrals to HECM default agencies.
11. Reverse Mortgage #3: HECM borrowers need keys for cash program where default ends when keys are given. Now they must continue to pay until paperwork is processed. Make it simple.
12. Create a more standardized and streamlined approach to housing counseling across the board.
Access Agency WebsiteNo
% of Recs Fully Implemented*0.00%Access Committee WebsiteYes
% of Recs Fully Implemented Comment100% of the Committee's recommendation are under consideration by the Office of Housing CounselingAccess GSA FACA WebsiteYes
% of Recs Partially Implemented*0.00%Access PublicationsNo
% of Recs Partially Implemented CommentNot ApplicableAccess OtherNo
Agency Feedback*YesAccess CommentNot Applicable
Agency Feedback CommentFeedback was made during the May 22 teleconference. The minutes from this meeting with the feedback can be found at https://www.hudexchange.info/resources/documents/HCFAC-Meeting-Minutes-5-22-18.pdfNarrative Description*The mission of the Office of Housing Counseling (OHC) is to provide individuals and families with the knowledge they need to obtain, sustain, and improve their housing. OHC will accomplish this mission by supporting a strong national network of HUD-approved housing counseling agencies and counselors. The Committee is to provide advice regarding the carrying out of the functions of the Office of Housing Counseling established pursuant to the authority of Section 4(g) of the HUD Act. To ensure input from stakeholders and other entities, the Committee will not be the sole source of advice to the Office of Housing Counseling.
Hide Section - COSTS

COSTS

Payments to Non-Federal Members* Est Payments to Non-Fed Members Next FY* 
Payments to Federal Members* Est. Payments to Fed Members Next FY* 
Payments to Federal Staff* Estimated Payments to Federal Staff* 
Payments to Consultants* Est. Payments to Consultants Next FY* 
Travel Reimb. For Non-Federal Members* Est Travel Reimb Non-Fed Members nextFY* 
Travel Reimb. For Federal Members* Est Travel Reimb For Fed Members* 
Travel Reimb. For Federal Staff* Est. Travel Reimb to Fed Staff Next FY* 
Travel Reimb. For Consultants* Est Travel Reimb to Consultants Next FY* 
Other Costs Est. Other Costs Next FY* 
Total Costs$0.00Est. Total Next FY*$0.00
Federal Staff Support (FTE)* Est. Fed Staff Support Next FY* 
Hide Section - Custom Links

Custom Links

     Committee Level Reports               
Hide Section - MEMBERS,MEETINGS AND ADVISORY REPORTS

MEMBERS,MEETINGS AND ADVISORY REPORTS

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Hide Section - CHARTERS AND RELATED DOCS

CHARTERS AND RELATED DOCS

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Hide Section - DATA FROM PREVIOUS YEARS

DATA FROM PREVIOUS YEARS

Committee

Data from Previous Years

 
ActionCommittee System IDCommittee NameFiscal Year
 COM-001943Housing Counseling Federal Advisory Committee2017
 COM-002550Housing Counseling Federal Advisory Committee2016
 COM-003847Housing Counseling Federal Advisory Committee2015
 COM-034142Housing Counseling Federal Advisory Committee2018