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# V. QUALITY CONTROL, OVERSIGHT, AND COMPLIANCE

## A. Quality Control of Lenders and Mortgagees

### 2. Institutional

#### Quality Control Program Requirements

- **(B)**  
  An officer, senior staff person, or underwriter with sufficient approval authority.

- **(C)**  
  - The requirements of the ECOA are met and documented in each file.  
  - No civil rights violations were committed in the denial of the application.  

  Where possible discrimination is noted, the Mortgagee must take immediate corrective action to ensure its operations comply with applicable state and federal fair lending laws.

##### (2) Required Documentation

The Mortgagee must document the methodology used to review denied applications, the results of each review, and any corrective actions taken as a result of review findings. The procedures used to review denied applications must be included in the Mortgagee’s QC Plan.

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### Fair Housing Poster and Equal Housing Opportunity Logo

#### (1) Standard

The Mortgagee must verify that a fair housing poster is prominently displayed in the Mortgagee’s home office and any branch offices that deal with Borrowers and the general public. The Mortgagee must verify that the equal housing opportunity logo is prominently displayed on all documents, including both hard copy and electronic documents, distributed by the Mortgagee to the public.

#### (2) Required Documentation

The Mortgagee must confirm that a fair housing poster is prominently displayed in the Mortgagee’s offices. The Mortgagee must be able to demonstrate that all documents distributed by the Mortgagee to the public contain the equal housing opportunity logo.

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### Fair Housing or Discrimination Violations

#### (1) Standard

Potential fair housing violations or instances of discrimination must be reported to HUD’s Office of Fair Housing and Equal Opportunity (FHEO) immediately.

#### (2) Required Documentation

Fair housing violations and complaints may be reported online using the HUD Form 903 Online Complaint, contacting HUD’s local FHEO Regional Office, or by calling the Fair Housing Complaint Hotline at 1-800-669-9777.

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**Handbook 4000.1**  
Last Revised: 01/1727  
10/2025
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