# Federal Housing Administration (FHA): Adjustable Rate Mortgage Notification Requirements and Look-Back Period for FHA-Insured Single Family Mortgages
> **US Department of Housing and Urban Development** · Final rule. · Published 2014-08-26 · Effective 2015-01-10 · 79 FR 50838
## Document
- **Document number:** 2014-20215
- **Category:** hud-fha
- **Agency:** US Department of Housing and Urban Development
- **Federal Register citation:** 79 FR 50838
- **CFR reference:** 24 CFR 203
- **Publication date:** 2014-08-26
- **Effective date:** 2015-01-10
- **Docket:** Docket No. FR-5744-F-02
## Abstract

This rule revises FHA's regulations governing its single family adjustable rate mortgage (ARM) program to align FHA interest rate adjustment and notification regulations with the requirements for notifying mortgagors of ARM adjustments, as required by the regulations implementing the Truth in Lending Act (TILA), as recently revised by the Consumer Financial Protection Bureau (CFPB). The final rule requires that an interest rate adjustment resulting in a corresponding change to the mortgagor's monthly payment for an ARM have a 45-day look-back period. The final rule also requires that the mortgagee of an FHA-insured ARM comply with the disclosure and notification requirements of the 2013 TILA Servicing Rule, including at least a 60- day but no more than 120 day advance notice of an adjustment to a mortgagor's monthly payment.

## Source
- [Federal Register document](https://www.federalregister.gov/documents/2014/08/26/2014-20215/federal-housing-administration-fha-adjustable-rate-mortgage-notification-requirements-and-look-back)
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