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HUD proposes rule to remove ‘gender identity’ from equal access regulations

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Industry News
Monday, May 25, 2026

The Department of Housing and Urban Development (HUD) announced a proposed rule on April 28 that would revise its equal access regulations to better align with the executive order titled “Defending Women from Gender Ideology Extremism and Restoring Biological Truth to the Federal Government,” including the removal of references to “gender” and “gender identity” from HUD regulations.

According to the notice on the Federal Register, HUD has reconsidered the 2012 and 2016 equal access rules, which defined “gender identity” as “actual or perceived gender-related characteristics” and included a provision that policies must ensure that individuals were not subject “to intrusive questioning or asked to provide anatomical information or documentary, physical or medical evidence” of their “gender identity.”

HUD proposed that all references to “gender identity” and “gender” be removed throughout its regulations and replaced with “sex” to refer to an individual's immutable biological classification as either male or female as defined by the executive order.

The changes would apply across HUD’s programs, including mortgage programs, Section 8 housing and other housing programs, fair housing enforcement and administration, programs to help the homeless and domestic violence victims and community development programs.

The proposed rule would also remove prohibitions on service providers from seeking information to confirm the sex of an individual seeking services. The rule would allow a facility provider to require reasonable assurances or evidence to establish a person’s sex.”

Further, the proposed rule would add a provision stating that these requirements preempt any conflicting state or local laws non-compliance and that violations of said requirements would be subject to all applicable penalties, including loss of federal funding.

As justification for the proposed rule, HUD said agency leaders believe the 2016 Rule “impermissibly restricted single-sex facilities without proper congressional authorization while also violating both the privacy and safety of homeless women and the religious liberty of many faith-based service providers,” the notice stated.

As further justification, HUD pointed to the executive order which instructed agencies to amend agency documents, including regulations, to use the term “sex” instead of “gender.” HUD believes it is beneficial to clarify this across all its operations to clarify that many of its existing regulations which protect “gender” (as opposed to “gender identity”) prohibit discrimination based on sex, not gender identity.

HUD acknowledged in the notice that this rulemaking would result in “individuals who claim a different gender identity than their sex being denied access to their preferred single-sex shelters or their preferred accommodations in other shelters.”

Additionally, this rulemaking would require some organizations to follow rules inconsistent with their beliefs regarding gender and sex, if they continue to use federal funds. HUD has considered these potential impacts and believes they are outweighed by the factors discussed above, especially that HUD must follow the clear meaning of the statute, ensure safe shelter environments for women and respect the free exercise of religion.

Comments on the proposed rule are due by June 29.

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12 USC Section 2605 or Section 6 is titled Servicing of mortgage loans and administration of escrow accounts. It pertains to qualified written requests, notices of transfer of servicing and the administration of escrow accounts.
An arrangement that involves a person who is in a position to refer business as part of a real estate settlement service and who has an interest in a settlement services provider.

In the arrangement, the person, who has either an affiliate relationship with or a direct or beneficial ownership interest of more than one percent in a settlement services provider, directly or indirectly refers business to that provider or influences a consumer to select that provider.
An arrangement that involves a person who is in a position to refer business as part of a real estate settlement service and who has an interest in a settlement services provider.

In the arrangement, the person, who has either an affiliate relationship with or a direct or beneficial ownership interest of more than one percent in a settlement services provider, directly or indirectly refers business to that provider or influences a consumer to select that provider.
A mortgage disclosure that lists all estimated charges and fees associated with your loan. In addition to fees and charges, it will list your loan amount, mortgage rate, loan term and estimated monthly payment. Your escrows due at closing for insurance and taxes will also be outlined. Mortgage lenders are legally required to provide a GFE within three days of receiving your application.
A mortgage disclosure that lists all estimated charges and fees associated with your loan. In addition to fees and charges, it will list your loan amount, mortgage rate, loan term and estimated monthly payment. Your escrows due at closing for insurance and taxes will also be outlined. Mortgage lenders are legally required to provide a GFE within three days of receiving your application.
Under RESPA Section 2605(e)(1)(B), a qualified written request is a written correspondence that includes: 1) the name and account of the borrower, or has enough information to allow the servicer identify that information; and 2) a statement of the reasons for the belief of the borrower that the account is in error or provides sufficient detail to the servicer regarding other information sought by the borrower.

A QWR cannot be written on a payment coupon or other payment medium supplied by the servicer.
Under RESPA Section 2605(e)(1)(B), a qualified written request is a written correspondence that includes: 1) the name and account of the borrower, or has enough information to allow the servicer identify that information; and 2) a statement of the reasons for the belief of the borrower that the account is in error or provides sufficient detail to the servicer regarding other information sought by the borrower.

A QWR cannot be written on a payment coupon or other payment medium supplied by the servicer.
12 USC Section 2609 or Section 10 is titled Limitation on requirement of advance deposits in escrow accounts. It governs escrow accounts including notifications and statements to borrowers. Section 10 also sets out penalties for those who violate the section.
RESPA Section 3 provides that a thing of value includes any payment, advance, funds, loan, service or other consideration

Regulation X says thing of value includes: monies, things, discounts, salaries, commissions, fees, duplicate payments of a charge, stock, dividends, distributions of partnership profits, franchise royalties, credits representing monies that may be paid at a future date, the opportunity to participate in a money-making program, retained or increased earnings, increased equity in a parent or subsidiary entity, special bank deposits or accounts, special or unusual banking terms, services of all types at special or free rates, sales or rentals at special prices or rates, lease or rental payments based in whole or in part on the amount of business referred, trips and payment of another person’s expenses or reduction in credit against an existing obligation.
A form used by a settlement or closing agent itemizing all charges imposed on a borrower and seller in a real estate transaction. This form represents the closing transaction and provides each party with a complete list of incoming and outgoing funds. RESPA requires the HUD-1 to be used as the standard real estate settlement form in all transactions in the U.S. involving federally related mortgage loans.
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