{"database": "openregs", "table": "federal_register", "rows": [["2012-3934", "Federal Housing Administration (FHA) Risk Management Initiatives: Revised Seller Concessions", "Proposed Rule", "On July 15, 2010 (75 FR 41217), HUD issued a notice seeking comment on three initiatives that HUD proposed would contribute to the restoration of the Mutual Mortgage Insurance Fund (MMIF) capital reserve account. On September 3, 2010 (75 FR 54020), HUD published a follow-up final rule implementing the proposal to introduce a minimum credit score and reduce the maximum loan-to-value ratio for FHA single family mortgage insurance. HUD is in the process of implementing another notice tightening the underwriting standards for mortgage loan transactions that are manually underwritten. This document addresses the third proposal; namely, the proposal to reduce the amount of closing costs a seller may pay on behalf of a homebuyer purchasing a home with financing insured by the Federal Housing Administration (FHA). This document takes into consideration the public comments on the July 15, 2010, final rule regarding the proposed cap on \"seller concessions\" and revises the proposed cap in response. HUD is seeking comment for 30 days on this revised proposal for limiting seller concessions.", "2012-02-23", 2012, 2, "https://www.federalregister.gov/documents/2012/02/23/2012-3934/federal-housing-administration-fha-risk-management-initiatives-revised-seller-concessions", "https://www.govinfo.gov/content/pkg/FR-2012-02-23/pdf/2012-3934.pdf", "Housing and Urban Development Department", "228", "On July 15, 2010 (75 FR 41217), HUD issued a notice seeking comment on three initiatives that HUD proposed would contribute to the restoration of the Mutual Mortgage Insurance Fund (MMIF) capital reserve account. On September 3, 2010 (75 FR 54020), HUD...", null]], "columns": ["document_number", "title", "type", "abstract", "publication_date", "pub_year", "pub_month", "html_url", "pdf_url", "agency_names", "agency_ids", "excerpts", "regulation_id_numbers"], "primary_keys": ["document_number"], "primary_key_values": ["2012-3934"], "units": {}, "query_ms": 0.39308296982198954, "source": "Federal Register API & Regulations.gov API", "source_url": "https://www.federalregister.gov/developers/api/v1", "license": "Public Domain (U.S. Government data)", "license_url": "https://www.regulations.gov/faq"}