AWACSMortgage compliance intelligence from Flightline

FHA · Mortgagee Letter ML 2025-15 · Published

Rescission of Supplemental Consumer Information Form (SCIF) Requirement

FHA has rescinded the requirement to provide Fannie Mae/Freddie Mac Form 1103, Supplemental Consumer Information Form (SCIF), effective immediately. Mortgagees are no longer required to collect or complete the SCIF for FHA Title II Single Family forward mortgages.

Review recommendedIn effect nowChecks passed· adjusted automaticallyRead the letter ↗ (opens in a new tab)

Loan impact

From the letter text · verified

Applies to: This guidance applies to all FHA Title II Single Family forward mortgage programs, excluding Home Equity Conversion Mortgages.

Addressed to
All FHA-Approved Mortgagees
Investor
FHAFrom the publisher, not quoted from the text
Programs
FHAFrom the publisher, not quoted from the text
Affected documents
Fannie Mae/Freddie Mac Form 1103, Supplemental Consumer Information Form (SCIF); Fannie Mae Form 1003/Freddie Mac Form 65, Uniform Residential Loan Application (URLA)
Exceptions
Home Equity Conversion Mortgages (HECM)
Applicability confidence
Verified: every row taken from the source text is supported by it; rows marked "from the publisher" are not quoted
Supporting quotes from the letter
  • exceptions“The Title II Insured Housing Programs Forward Mortgages, Origination through Post-closing/Endorsement section in this FHA Single Family Housing Policy Handbook (Handbook 4000.1) provides the origination, underwriting, closing, post-closing, and endorsement standards and procedures applicable to all Single Family (one- to four-units) Mortgages insured under Title II of the National Housing Act, except for Home Equity Conversion Mortgages (HECM).”
  • guide sections“The Handbook 4000.1 sections impacted by this Mortgagee Letter are provided in the attachment, with changes tracked in redline, to help users clearly identify the policy requirements being revised or removed from the handbook.”
  • affected documents“This Mortgagee Letter (ML) rescinds the Handbook 4000.1 requirement to provide the Fannie Mae/Freddie Mac Form 1103, Supplemental Consumer Information Form (SCIF), which collects and reports certain information from Borrowers.”

What changed

From the letter text · Section II.A.1.a
RequirementPreviouslyNow
Supplemental Consumer Information Form (SCIF) requirementRemovedPreviously: URLA also included the Fannie Mae/Freddie Mac Form 1103, Supplemental Consumer Information Form (SCIF), for sections II.A.1.a, II.A.7.d.ii., and II.A.8.d.vi(C)(5).The requirement to provide and complete the Supplemental Consumer Information Form (SCIF) is rescinded.

Also affected: Section Glossary.

What to do

AWACS interpretation · not source language

What to review: Review origination and compliance processes to take advantage of the immediate rescission of the Supplemental Consumer Information Form requirement for FHA Title II Single Family forward mortgages.

QC implications

  • Verify that review checklists no longer cite missing or incomplete Supplemental Consumer Information Forms on FHA Title II Single Family forward mortgages.

Source and record

Version 1 · archived

Checks

  • Source verified: Passed

    The document ID, link and publication date match the official source.

  • Quotes match the source: Passed, adjusted automatically

    Every quoted passage appears word for word in the official document.

    • A detail the source does not support was removed or adjusted

  • Requirements backed by the source: Passed

    Anything marked required is backed by the requirement language and dates in the source.

  • In scope: Passed

    The document is about residential mortgage lending.

  • Format and labels: Passed

    The record follows the AWACS format and uses its standard labels.