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Note: An Annual Comprehensive Review, as required by §7 of the Federal Advisory Committee Act, is conducted each year on committee data entered for the previous fiscal year (referred to as the reporting year). The data for the reporting year is not considered verified until this review is complete and the data is moved to history for an agency/department. See the Data From Previous Years section at the bottom of this page for the committee’s historical, verified data.

Details on agency responses to committee recommendations can be found under the Performance Measures section for each committee in the fields “Agency Feedback” and “Agency Feedback Comment.”


HUD - 2492 - Housing Counseling Federal Advisory Committee - Authorized by Law
Hide Section - GENERAL INFORMATION

GENERAL INFORMATION

Committee NameHousing Counseling Federal Advisory CommitteeAgency NameDepartment of Housing and Urban Development
Fiscal Year2022Committee 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 Date6/10/2022Designated Fed Officer Position Title*Housing Program Specialist
Date Of Renewal Charter6/10/2024Designated 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 CmteNot ApplicableDesignated 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 Dodd-Frank Act which established the Housing Counseling Federal Advisory Committee (HCFAC) says that the HCFAC will provide advice regarding the carrying out of the functions of the Director. The HCFAC Charter says that the purpose of the HCFAC is to provide advice regarding the carrying out of the functions of the Office of Housing Counseling. The HCFAC is to provide strategic planning and policy guidance to the Office of Housing Counseling to make housing counseling accessible, sustainable, and high quality. The HCFAC plans to accomplish its purpose through policy and programmatic recommendations to Deputy Assistant Secretary.

.
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 estate industry, including consumers and housing counseling agencies approved by the Secretary. HCFAC’s membership will be fairly balanced to include a broad representation of geographic areas within the U.S 42 USC, Section 3533(g) 2012
How frequent & relevant are cmte mtgs?*Estimated 4 meetings per fiscal year, either virtual, in-person or hybrid meetings
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 RemarksAs of January 2022, the Secretary appointed a full complement of 12 members ot the HCFAC.. There 4 public virtual meetings during FY2022
Hide Section - PERFORMANCE MEASURES

PERFORMANCE MEASURES

Outcome Improvement To Health Or Safety*NoAction Reorganize Priorities*Yes
Outcome Trust In GovernmentNoAction 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 DeliveryNoAction OtherNo
Outcome Increased Customer SatisfactionNoAction Comment
Outcome Implement Laws/Reg RequirementsNoGrants Review*No
Outcome OtherNoNumber Of Grants Reviewed0
Outcome CommentNumber Of Grants Recommended0
Cost Savings*NoneDollar Value Of Grants Recommended$0.00
Cost Savings CommentGrants Review CommentThe HCFAC has no role in grant review or aprpovals.
Number Of Recommendations*12Access Contact Designated Fed. Officer*Yes
Number Of Recommendations CommentAs of January 2022, there was a full 12 member HCFAC. The HCFAC has not yet made any recommendations to the OHC DAS. The FY22 meetings were focused on giving the members the information that they will need to make future recommendations. The previous recommendations from FY2019 remain in place.
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
Number Of
Recommendations
Comment
Access Agency No
Website
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.
No
As the HCFAC did not meet during FY2021, there
are no current recommendations. The HCFAC will
develop recommendations duringFY2022 which will
align with Office of Housing Counseling and
departmental priorities.
Access Agency WebsiteYes
% of Recs Fully Implemented*0.00%Access Committee WebsiteYes
% of Recs Fully Implemented CommentNot ApplicableAccess 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 Comment*As of January 2022, there was a full 12 member HCFAC. ThFY2022. Information on the HCFAC is available at https://www.hud.gov/program_offices/housing/sfh/hcc and https://www.hudexchange.info/programs/housing-counseling/federal-advisory-committee/Narrative 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*$0.00Est Payments to Non-Fed Members Next FY*$0.00
Payments to Federal Members*$0.00Est. Payments to Fed Members Next FY*$0.00
Payments to Federal Staff*$200,000.00Estimated Payments to Federal Staff*$225,000.00
Payments to Consultants*$0.00Est. Payments to Consultants Next FY*$0.00
Travel Reimb. For Non-Federal Members*$0.00Est Travel Reimb Non-Fed Members nextFY*$0.00
Travel Reimb. For Federal Members*$0.00Est Travel Reimb For Fed Members*$0.00
Travel Reimb. For Federal Staff*$0.00Est. Travel Reimb to Fed Staff Next FY*$10,000.00
Travel Reimb. For Consultants*$0.00Est Travel Reimb to Consultants Next FY*$0.00
Other Costs$522,763.28Est. Other Costs Next FY*$575,300.00
Total Costs$722,763.28Est. Total Next FY*$810,300.00
Date Cost Last Modified11/17/2022 2:16 PMEst. Fed Staff Support Next FY*1.50
Federal Staff Support (FTE)*1.50Est Cost Remarkstravel is anticipated in FY 2023
"Other costs" are the contract obligation to Ajanta., contractor support for various business and technical services, including organization ad execution of
Federal Advisory Committee meetings
Cost RemarksBecause of COVID protocols ,there was no travel d in FY 2022.
"Other costs" are the contract obligation to Ajanta., contractor support for various business and technical services, including organization ad execution of
Federal Advisory Committee meetings
  
Hide Section - Interest Areas

Interest Areas

Category
Area
Housing and Urban
Housing and Urban Development
Hide Section - MEMBERS,MEETINGS AND ADVISORY REPORTS

MEMBERS,MEETINGS AND ADVISORY REPORTS

To View all the members, meetings and advisory reports for this committee please click here
Hide Section - CHARTERS AND RELATED DOCS

CHARTERS AND RELATED DOCS

No Documents Found
Hide Section - DATA FROM PREVIOUS YEARS

DATA FROM PREVIOUS YEARS

Committee

Data from Previous Years

 
ActionCommittee System IDCommittee NameFiscal Year
 COM-039022Housing Counseling Federal Advisory Committee2021
 COM-036990Housing Counseling Federal Advisory Committee2020
 COM-035816Housing Counseling Federal Advisory Committee2019
 COM-034142Housing Counseling Federal Advisory Committee2018
 COM-001943Housing Counseling Federal Advisory Committee2017
 COM-002550Housing Counseling Federal Advisory Committee2016
 COM-003847Housing Counseling Federal Advisory Committee2015