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e-CFR=20 Data is current as of July 1, 2008


Title 12:=20 Banks and Banking

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PART 572=97LOANS IN AREAS HAVING SPECIAL FLOOD HAZARDS
Section Contents
=A7 572.1 &nb= sp; Authority,=20 purpose, and scope.
=A7 572.2 &nb= sp; Definitions.
=A7 572.3 &nb= sp; Requirement=20 to purchase flood insurance where available.
=A7 572.4 &nb= sp; Exemptions.
=A7 572.5 &nb= sp; Escrow=20 requirement.
=A7 572.6 &nb= sp; Required=20 use of standard flood hazard determination = form.
=A7 572.7 &nb= sp; Forced=20 placement of flood insurance.
=A7 572.8 &nb= sp; Determination=20 fees.
=A7 572.9 &nb= sp; Notice=20 of special flood hazards and availability of Federal disaster = relief=20 assistance.
=A7 572.10 &= nbsp; Notice=20 of servicer's identity.
Appendix=20 A to Part 572=97Sample Form of Notice of Special Flood Hazards and = Availability of Federal Disaster Relief = Assistance

Authority:   12 U.S.C. 1462, = 1462a,=20 1463, 1464; 42 U.S.C. 4012a, 4104a, 4104b, 4106, and = 4128.

Source:   61 FR 45709, Aug. = 29, 1996,=20 unless otherwise noted.

=A7 572.1   Authority, purpose, and=20 scope.
=20 top

(a) Authority. This part is issued pursuant to 12 U.S.C. = 1462,=20 1462a, 1463, 1464 and 42 U.S.C. 4012a, 4104a, 4104b, 4106, = 4128.

(b) Purpose. The purpose of this part is to implement = the=20 requirements of the National Flood Insurance Act of 1968 and the = Flood=20 Disaster Protection Act of 1973, as amended (42 U.S.C. = 4001=964129).

(c) Scope. This part, except for =A7=A7572.6 and 572.8, = applies to=20 loans secured by buildings or mobile homes located or to be = located in=20 areas determined by the Director of the Federal Emergency = Management=20 Agency to have special flood hazards. Sections 572.6 and 572.8 of = this=20 part apply to loans secured by buildings or mobile homes, = regardless of=20 location.

=A7 572.2   Definitions.
=20 top

(a) Act means the National Flood Insurance Act of 1968, = as=20 amended (42 U.S.C. 4001=964129).

(b) Savings association means, for purposes of this = part, a=20 savings association as that term is defined in 12 U.S.C. = 1813(b)(1) and=20 any subsidiaries or service corporations thereof.

(c) Building means a walled and roofed structure, other = than a=20 gas or liquid storage tank, that is principally above ground and = affixed=20 to a permanent site, and a walled and roofed structure while in = the course=20 of construction, alteration, or repair.

(d) Community means a State or a political subdivision = of a=20 State that has zoning and building code jurisdiction over a = particular=20 area having special flood hazards.

(e) Designated loan means a loan secured by a building = or mobile=20 home that is located or to be located in a special flood hazard = area in=20 which flood insurance is available under the Act.

(f) Director of FEMA means the Director of the Federal = Emergency=20 Management Agency.

(g) Mobile home means a structure, transportable in one = or more=20 sections, that is built on a permanent chassis and designed for = use with=20 or without a permanent foundation when attached to the required = utilities.=20 The term mobile home does not include a recreational = vehicle. For=20 purposes of this part, the term mobile home means a mobile = home on=20 a permanent foundation. The term mobile home includes a=20 manufactured home as that term is used in the NFIP.

(h) NFIP means the National Flood Insurance Program = authorized=20 under the Act.

(i) Residential improved real estate means real estate = upon=20 which a home or other residential building is located or to be=20 located.

(j) Servicer means the person responsible for:

(1) Receiving any scheduled, periodic payments from a borrower = under=20 the terms of a loan, including amounts for taxes, insurance = premiums, and=20 other charges with respect to the property securing the loan; = and

(2) Making payments of principal and interest and any other = payments=20 from the amounts received from the borrower as may be required = under the=20 terms of the loan.

(k) Special flood hazard area means the land in the = flood plain=20 within a community having at least a one percent chance of = flooding in any=20 given year, as designated by the Director of FEMA.

(l) Table funding means a settlement at which a loan is = funded=20 by a contemporaneous advance of loan funds and an assignment of = the loan=20 to the person advancing the funds.

=A7 572.3   Requirement to purchase flood = insurance=20 where available.
=20 top

(a) In general. A savings association shall not make, = increase,=20 extend, or renew any designated loan unless the building or mobile = home=20 and any personal property securing the loan is covered by flood = insurance=20 for the term of the loan. The amount of insurance must be at least = equal=20 to the lesser of the outstanding principal balance of the = designated loan=20 or the maximum limit of coverage available for the particular type = of=20 property under the Act. Flood insurance coverage under the Act is = limited=20 to the overall value of the property securing the designated loan = minus=20 the value of the land on which the property is located.

(b) Table funded loans. A savings association that = acquires a=20 loan from a mortgage broker or other entity through table funding = shall be=20 considered to be making a loan for the purposes of this = part.

=A7 572.4   Exemptions.
=20 top

The flood insurance requirement prescribed by =A7572.3 does not = apply=20 with respect to:

(a) Any State-owned property covered under a policy of = self-insurance=20 satisfactory to the Director of FEMA, who publishes and = periodically=20 revises the list of States falling within this exemption; or

(b) Property securing any loan with an original principal = balance of=20 $5,000 or less and a repayment term of one year or less.

=A7 572.5   Escrow requirement.
=20 top

If a savings association requires the escrow of taxes, = insurance=20 premiums, fees, or any other charges for a loan secured by = residential=20 improved real estate or a mobile home that is made, increased, = extended, or renewed on or after October 1, 1996, the savings = association=20 shall also require the escrow of all premiums and fees for any = flood=20 insurance required under =A7572.3. The savings association, or a = servicer=20 acting on behalf of the savings association, shall deposit the = flood=20 insurance premiums on behalf of the borrower in an escrow account. = This=20 escrow account will be subject to escrow requirements adopted = pursuant to=20 section 10 of the Real Estate Settlement Procedures Act of 1974 = (12 U.S.C.=20 2609) (RESPA), which generally limits the amount that may be = maintained in=20 escrow accounts for certain types of loans and requires escrow = account=20 statements for those accounts, only if the loan is otherwise = subject to=20 RESPA. Following receipt of a notice from the Director of FEMA or = other=20 provider of flood insurance that premiums are due, the savings=20 association, or a servicer acting on behalf of the savings = association,=20 shall pay the amount owed to the insurance provider from the = escrow=20 account by the date when such premiums are due.

=A7 572.6   Required use of standard flood = hazard=20 determination form.
=20 top

(a) Use of form. A savings association shall use the = standard=20 flood hazard determination form developed by the Director of FEMA = when=20 determining whether the building or mobile home offered as = collateral=20 security for a loan is or will be located in a special flood = hazard area=20 in which flood insurance is available under the Act. The standard = flood=20 hazard determination form may be used in a printed, computerized, = or=20 electronic manner. A savings association may obtain the standard = flood=20 hazard determination form from FEMA, P.O. Box 2012, Jessup, MD=20 20794=962012.

(b) Retention of form. A savings association shall = retain a copy=20 of the completed standard flood hazard determination form, in = either hard=20 copy or electronic form, for the period of time the savings = association=20 owns the loan.

[61 FR 45709, Aug. 29, 1996, as amended at 64 FR 69185, Dec. = 10,=20 1999]

=A7 572.7   Forced placement of flood=20 insurance.
=20 top

If a savings association, or a servicer acting on behalf of the = savings=20 association, determines at any time during the term of a = designated loan=20 that the building or mobile home and any personal property = securing the=20 designated loan is not covered by flood insurance or is covered by = flood=20 insurance in an amount less than the amount required under = =A7572.3, then=20 the savings association or its servicer shall notify the borrower = that the=20 borrower should obtain flood insurance, at the borrower's expense, = in an=20 amount at least equal to the amount required under =A7572.3, for = the=20 remaining term of the loan. If the borrower fails to obtain flood=20 insurance within 45 days after notification, then the savings = association=20 or its servicer shall purchase insurance on the borrower's behalf. = The=20 savings association or its servicer may charge the borrower for = the cost=20 of premiums and fees incurred in purchasing the insurance.

=A7 572.8   Determination fees.
=20 top

(a) General. Notwithstanding any Federal or State law = other than=20 the Flood Disaster Protection Act of 1973, as amended (42 U.S.C.=20 4001=964129), any savings association, or a servicer acting on = behalf of the=20 savings association, may charge a reasonable fee for determining = whether=20 the building or mobile home securing the loan is located or will = be=20 located in a special flood hazard area. A determination fee may = also=20 include, but is not limited to, a fee for life-of-loan = monitoring.

(b) Borrower fee. The determination fee authorized by = paragraph=20 (a) of this section may be charged to the borrower if the=20 determination:

(1) Is made in connection with a making, increasing, extending, = or=20 renewing of the loan that is initiated by the borrower;

(2) Reflects the Director of FEMA's revision or updating of = floodplain=20 areas or flood-risk zones;

(3) Reflects the Director of FEMA's publication of a notice or=20 compendium that:

(i) Affects the area in which the building or mobile home = securing the=20 loan is located; or

(ii) By determination of the Director of FEMA, may reasonably = require a=20 determination whether the building or mobile home securing the = loan is=20 located in a special flood hazard area; or

(4) Results in the purchase of flood insurance coverage by the = lender=20 or its servicer on behalf of the borrower under =A7572.7.

(c) Purchaser or transferee fee. The determination fee=20 authorized by paragraph (a) of this section may be charged to the=20 purchaser or transferee of a loan in the case of the sale or = transfer of=20 the loan.

=A7 572.9   Notice of special flood = hazards and=20 availability of Federal disaster relief assistance.
=20 top

(a) Notice requirement. When a savings association = makes,=20 increases, extends, or renews a loan secured by a building or a = mobile=20 home located or to be located in a special flood hazard area, the = savings=20 association shall mail or deliver a written notice to the borrower = and to=20 the servicer in all cases whether or not flood insurance is = available=20 under the Act for the collateral securing the loan.

(b) Contents of notice. The written notice must include = the=20 following information:

(1) A warning, in a form approved by the Director of FEMA, that = the=20 building or the mobile home is or will be located in a special = flood=20 hazard area;

(2) A description of the flood insurance purchase requirements = set=20 forth in section 102(b) of the Flood Disaster Protection Act of = 1973, as=20 amended (42 U.S.C. 4012a(b));

(3) A statement, where applicable, that flood insurance = coverage is=20 available under the NFIP and may also be available from private = insurers;=20 and

(4) A statement whether Federal disaster relief assistance may = be=20 available in the event of damage to the building or mobile home = caused by=20 flooding in a Federally-declared disaster.

(c) Timing of notice. The savings association shall = provide the=20 notice required by paragraph (a) of this section to the borrower = within a=20 reasonable time before the completion of the transaction, and to = the=20 servicer as promptly as practicable after the savings association = provides=20 notice to the borrower and in any event no later than the savings=20 association provides other similar notices to the servicer = concerning=20 hazard insurance and taxes. Notice to the servicer may be made=20 electronically or may take the form of a copy of the notice to the = borrower.

(d) Record of receipt. The savings association shall = retain a=20 record of the receipt of the notices by the borrower and the = servicer for=20 the period of time the savings association owns the loan.

(e) Alternate method of notice. Instead of providing the = notice=20 to the borrower required by paragraph (a) of this section, a = savings=20 association may obtain satisfactory written assurance from a = seller or=20 lessor that, within a reasonable time before the completion of the = sale or=20 lease transaction, the seller or lessor has provided such notice = to the=20 purchaser or lessee. The savings association shall retain a record = of the=20 written assurance from the seller or lessor for the period of time = the=20 savings association owns the loan.

(f) Use of prescribed form of notice. A savings = association will=20 be considered to be in compliance with the requirement for notice = to the=20 borrower of this section by providing written notice to the = borrower=20 containing the language presented in appendix A to this part = within a=20 reasonable time before the completion of the transaction. The = notice=20 presented in appendix A to this part satisfies the borrower notice = requirements of the Act.

=A7 572.10   Notice of servicer's=20 identity.
=20 top

(a) Notice requirement. When a savings association = makes,=20 increases, extends, renews, sells, or transfers a loan secured by = a=20 building or mobile home located or to be located in a special = flood hazard=20 area, the savings association shall notify the Director of FEMA = (or the=20 Director's designee) in writing of the identity of the servicer of = the=20 loan. The Director of FEMA has designated the insurance provider = to=20 receive the savings association's notice of the servicer's = identity. This=20 notice may be provided electronically if electronic transmission = is=20 satisfactory to the Director of FEMA's designee.

(b) Transfer of servicing rights. The savings = association shall=20 notify the Director of FEMA (or the Director's designee) of any = change in=20 the servicer of a loan described in paragraph (a) of this section = within=20 60 days after the effective date of the change. This notice may be = provided electronically if electronic transmission is satisfactory = to the=20 Director of FEMA's designee. Upon any change in the servicing of a = loan=20 described in paragraph (a) of this section, the duty to provide = notice=20 under this paragraph (b) shall transfer to the transferee = servicer.

Appendix A to Part 572=97Sample Form of Notice of Special = Flood Hazards=20 and Availability of Federal Disaster Relief Assistance
=20 top

We are giving you this notice to inform you that:

The building or mobile home securing the loan for which you = have=20 applied is or will be located in an area with special flood = hazards.

The area has been identified by the Director of the Federal = Emergency=20 Management Agency (FEMA) as a special flood hazard area using = FEMA's=20 Flood Insurance Rate Map or the Flood Hazard Boundary = Map=20 for the following community: ________. This area has at least = a one=20 percent (1%) chance of a flood equal to or exceeding the base = flood=20 elevation (a 100-year flood) in any given year. During the life of = a=20 30-year mortgage loan the risk of a 100-year flood in a special = flood=20 hazard area is 26 percent (26%).

Federal law allows a lender and borrower jointly to request the = Director of FEMA to review the determination of whether the = property=20 securing the loan is located in a special flood hazard area. If = you would=20 like to make such a request, please contact us for further=20 information.

___ The community in which the property securing the loan is = located=20 participates in the National Flood Insurance Program (NFIP). = Federal law=20 will not allow us to make you the loan that you have applied for = if you do=20 not purchase flood insurance. The flood insurance must be = maintained for=20 the life of the loan. If you fail to purchase or renew flood = insurance on=20 the property, Federal law authorizes and requires us to purchase = the flood=20 insurance for you at your expense.

=95 Flood insurance coverage under the NFIP may be purchased = through an=20 insurance agent who will obtain the policy either directly through = the=20 NFIP or through an insurance company that participates in the = NFIP. Flood=20 insurance also may be available from private insurers that do not=20 participate in the NFIP.

=95 At a minimum, flood insurance purchased must cover the = lesser of:=20

(1) the outstanding principal balance of the loan; or =

(2) the maximum amount of coverage allowed for the type of = property=20 under the NFIP.

Flood insurance coverage under the NFIP is limited to the = overall value=20 of the property securing the loan minus the value of the land on = which the=20 property is located.

=95 Federal disaster relief assistance (usually in the form of = a=20 low-interest loan) may be available for damages incurred in excess = of your=20 flood insurance if your community's participation in the NFIP is = in=20 accordance with NFIP requirements.

___ Flood insurance coverage under the NFIP is not available = for the=20 property securing the loan because the community in which the = property is=20 located does not participate in the NFIP. In addition, if the=20 non-participating community has been identified for at least one = year as=20 containing a special flood hazard area, properties located in the=20 community will not be eligible for Federal disaster relief = assistance in=20 the event of a Federally-declared flood disaster.

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