This document will be amended as needed with the dates and substance of changes to the original Single Family Premium Collection Subsystem-Periodic Information Packet.

If you need additional information, please send an email message to HUD's Single Family Insurance Operations Division.

May 14, 2021

Getting Pregenerated Monthly (Periodic) Mortgage Insurance Premium Reports Using the Alternate Report Retrieval Process
Reconciliation pregenerated report files include the old and new (current) layouts.

The M02 Underpayment Reconciliation Report error was renamed M02 Delinquent.  The following pages were updated accordingly:

• Answers to Mortgagee Questions - Reconciliation
• Reconciliation Discrepancy Types
• Monthly Premium Reconciliation Scenarios: M02 Errors

March 4, 2021

Reconciliation Layout
The new redesigned Reconciliation report layout to be implemented in May 2021 was added.

April 22, 2019

Answers to Mortgagee Questions - Refunds
Lenders can now enter up to 100 cases online or upload a Microsoft® Excel® spreadsheet with up to 5,000 cases.

Note: For additional information on the April 22, 2019 updates, see the Single Family Premium Collecton System -Periodic (SFPCS-P/A80B) Release Announcements for Streamline Refunds Implemented and Payment History Enhancements.

December 16, 2016:

Answers to Mortgagee Questions - Payment of Single Family Monthly (Periodic) Mortgage Insurance Premium
Added and updated information on downloading a Microsoft® Excel® file containing the details of a payment with 10,000 or less cases. Formerly, only payments with 3,000 cases or less could be downloaded.

December 1, 2015:

The LendersRefund@hud.gov mailbox is no longer used for requesting a refund of monthly premium. Therefore references to it were removed from the following pages:

September 15, 2015:

Added a link to the new Annual MIP Rates for Title II Forward Mortgages page for the following:

Removed references (and links) to Mortgagee Letter 97-33, which was superseded by HUD Handbook 4000.1.

Answers to Mortgagee Questions - Payment of Single Family Monthly (Periodic) Mortgage Insurance Premium
Updated the link to the Federal Reserve Bank of Cleveland Holiday Schedule.

March 9, 2015:

Answers to Mortgagee Questions - Case Detail
Added information on the new Case Transaction Data feature of Case Detail on the FHA Connection.

January 13, 2015:

Updated the following pages to include a link to Mortgagee Letter 2015-01 announcing the new annual mortgage insurance premium rates for Title II forward mortgages assigned a case number on or after January 26, 2015:

January 1, 2015:

Answers to Mortgagee Questions - Reallocations.
Updated the reference to the 18-day holding period for a payment to the new 7-day holding period.

November 12, 2014:

Answers to Mortgagee Questions - Refunds.
Added information on the new way to request a refund through the Request a Refund option on the FHA Connection's Monthly Premums menu.

October 28, 2014

Training Demonstration of the Monthly (Periodic) Mortgage Insurance Premium Payment Process on the FHA Connection
Updated to current status.

May 22, 2014:

Updated information throughout the Single Family Collection Subsystem-Periodic Information Packet to reference HUD's new Lender Electronic Assessment Portal (LEAP).

December 30, 2013:

Answers to Mortgagee Questions

Getting Pregenerated Monthly (Periodic) Mortgage Insurance Premium Reports Using the Alternate Report Retrieval Process
Added information on retrieving weekly Portfolio report files through the Alternate Report Retrieval process to the signup sheet.

Portfolio Layout
Added information on retrieving weekly Portfolio report files through the Alternate Report Retrieval process.

March 29, 2013:

Added a link on the following pages to Mortgagee Letter 13-04, Revision of Federal Housng Administration (FHA) policies concerning cancellation of the annual Mortgage Insurance Premium (MIP) and increase to the annual MIP:

Answers to Mortgagee Questions

Portfolio File Layout
Updated the UPB @ 78% field description due to the change in the annual MIP structure per Mortgagee Letter 13-04.

March 30, 2012:

Added a link on the following pages to Mortgagee Letter 12-04, Single Family Mortgage Insurance: Annual and Up-Front Mortgage Insurance Premium Changes:

March 15, 2011:

Single Family Premium Collection Subsystem-Periodic Information Packet

Business Overview of HUD's Collection of Monthly Mortgage Insurance Premiums
Replaced reference to the Frame Relay Network with Alternate Report Retrieval. Added information and a link to Mortgage Letter 11-10 with new annual mortgage insurance premium rates for mortgages assigned a case number on or after April 18, 2011.

Accessing HUD's Systems and Data
New page added.

Getting Pregenerated Monthly (Periodic) Mortgage Insurance Premium Reports Using Alternate Report Retrieval
New page added.

Answers to Mortgagee Questions

Layouts for Report Files
Added link to Alternate Report Retrieval information where applicable.

Header and Trailer Records
Replaced references to the Frame Relay Network with Alternate Report Retrieval (secure file transfer process).

Getting Started - Monthly (Periodic) Premium Payments
Updated information on setting up a cash flow account for making monthly premium payments.

Monthly (Periodic) Mortgage Insurance Premium Calculation
Added a link to Mortgagee Letter 11-10 with new annual mortgage insurance premium rates for mortgages assigned a case number on or after April 18, 2011.

September 15, 2010:

Business Overview of HUD's Collection of Monthly Mortgage Insurance Premiums
Added background information on changes to annual and upfront mortgage insurance premium rates and a link to Mortgagee Letter 10-28 with the new rates for mortgages assigned a case number on or after October 4, 2010.

Monthly (Periodic) Mortgage Insurance Premium Calculation
Updated the introductory paragraphs and added a link to Mortgagee Letter 10-28 with the new annual and upfront mortgage insurance premium rates.

Answers to Mortgagee Questions - Premiums/Late Fees/Interest Charges Added a link to Mortgagee Letter 10-28 with the new annual and upfront mortgage insurance premium rates.

May 14, 2010:

HUD's Single Family Mortgage Insurance Premium Collection Process
Updated information on the prenote process for setting up a cash flow account for making monthly premium payments.

Getting Started - Monthly (Periodic) Premium Payments
Updated information on the prenote process for setting up a cash flow account for making monthly premium payments.

March 15, 2010:

Single Family Premium Collection Subsystem-Periodic Information Packet
Added a link to new information on HOPE for Homeowners loans.

May 15, 2009:

Single Family Premium Collection Subsystem-Periodic Information Packet

Answers to Mortgagee Questions - Payment of Monthly Mortgage Insurance Premium
Added information on reporting a batch file transmission problem.

Answers to Mortgagee Questions - Refunds
Removed information about upfront mortgage insurance premium refunds.

March 30, 2009:

Answers to Mortgagee Questions - Refunds
Added information about correcting the mortgagee address to which HUD sends Periodic (monthly) premium refund checks.

December 30, 2008:

Single Family Premium Collection Subsystem-Periodic Information Packet
Added a link to batch file transmission error messages in the Technical Issues (Submitting Payments) section.

Answers to Mortgagee Questions - Payment of Monthly Mortgage Insurance Premium
Updated the link to the Federal Reserve Bank of Cleveland holiday schedule.

October 16, 2008:

Reconciliation File Layout
The format of the Premium Rate field for the file layout effective October 1, 2008 was updated to accommodate the new monthly mortgage insurance premium rates.

September 2, 2008:

Portfolio File Layout
New formats for file downloading become effective October 1, 2008. There is a long and short version of the new Portfolio Layout. For both versions, the format of the Premium Rate field was changed. For the long version, a Case Number Assignment Date field and a "filler" field were added. A link to the version of the Portfolio Layout in effect through September 30, 2008 is provided.

July 14, 2008:

Reconciliation File Layout
Redefined fields to indicate a positive or negative sign for the current premium, late, and interest charges. The new layout is effective October 1, 2008 for all reporting periods. A link to the layout in effect through September 30, 2008 is provided.

June 30, 2008:

Periodic Mortgage Insurance Premium Batch Payment Processing Instructions for CPU to CPU Transmission
Added Information on reporting a public IP address change.

Answers to Mortgagee Questions - Payment of Monthly Mortgage Insurance Premium
Added Information on reporting a public IP address change.

March 21, 2008:

Single Family Premium Collection Subsystem-Periodic Information Packet
Added a link to batch file transmission error messages in the Technical Issues (Submitting Payments) section.

Changed Pay.gov Setup references to Cash Flow Account Setup.

February 8, 2008:

Portfolio Layout
Added Risk-based Pricing, First-time Home Buyer, and HUD-approved Counseling fields. Updated the description for the Premium Rate, including an example of the field value.

Reconciliation Layout
Updated the description for the Premium Rate, including an example of the field value.

September 30, 2007:

Single Family Premium Collection Subsystem-Periodic Information Packet
Added a link to the training demonstration on submitting online payments in the Technical Issues section.

Answers to Mortgagee Questions - Late and Interest Adjustments
Updated reasons for a late/interest adjustment.

July 25, 2007:

Single Family Premium Collection Subsystem-Periodic Information Packet
Added links to information on the new procedures for submitting payments in the Technical Issues section (i.e., Getting Started, Batch Payment Processing Instructions for CPU to CPU Transmissions, and Batch File Formats). Updated contact information for lender refunds.

Business Overview of HUD's Collection of Monthly Mortgage Insurance Premiums
Added U.S. Department of the Treasury's automated collection service information.

Answers to Mortgagee Questions

June 14, 2007:

Single Family Premium Collection Subsystem-Periodic Information Packet
Added announcement and contact information on the U.S. Department of the Treasury's automated mortgage insurance premium collection service.

Business Overview of HUD's Collection of Monthly Mortgage Insurance Premiums
Removed outdated information on HUD MPC (ACH software) and Case Level Reconciliation.

March 30, 2007:

Answers to Mortgagee Questions - Refunds:
Updated information on refunds.

December 29, 2006:

Answers to Mortgagee Questions - General Program Questions
Updated the Mellon Bank (ACH bank) Holiday Chart for 2007.

Single Family Premium Collection Subsystem-Periodic Information Packet
Reorganized the layout of the main page. Overview now accessed via a link from main page.

September 30, 2006:

Single Family Premium Collection Subsystem-Periodic Information Packet - Contacts
Updated contact information.

Single Family Insurance Operations Division, Lender Assistance Section (Periodic and Upfront)
Updated/added contact information for periodic (monthly) and upfront premium issues.

Late Charge Calculation
Added examples of cases with late charges only.

Answers to Mortgagee Questions - General Program Questions
Updated ACH contact information.

Answers to Mortgagee Questions - Remittance and Transmission Problems
Updated ACH contact information.

Answers to Mortgagee Questions - Termination of FHA Case
Added questions and answers on case termination.

Answers to Mortgagee Questions - Reallocation
Added a spreadsheet for downloading, completing and attaching to an e-mail for requesting a reallocation.

March 31, 2006:

Single Family Insurance Operations Division, Lender Assistance Section (Periodic)
Updated the Section's phone number and the phone code number for each Lender Representative.

December 30, 2005:

Reallocation Transactions File Layout
Added information on the layout of the Reallocation Transactions report file for downloading to the lender's system via the FHA Connection or the Frame Relay Network. Updated Frame Relay Network header record information to include Reallocation Transactions.

Answers to Mortgagee Questions - Reallocation
Updated information to include references to the Reallocation Transactions report file.

Answers to Mortgagee Questions - General Program Questions
Updated the Mellon Bank (ACH bank) Holiday Chart for 2006.

Late and Interest Charge Examples
Updated the late and interest charge examples. This information is displayed in Portable Document Format (.pdf) from links on the Late Charge Calculation and Interest Charge Calculation pages.

August 31, 2005:

Answers to Mortgagee Questions - Reallocation
Updated information on submitting a reallocation request, which is now through e-mail. Enhanced the instructions on the content and format of a reallocation request.

Alternative FHA Network Connectivity
Updated the HUD contact for requesting a Frame Relay Network connection.

December 3, 2004:

Single Family Insurance Operations Division, Systems Management Branch, Data Quality Control Section Lender Representatives
Updated contact information.

May 11, 2004:

HUD Mortgage Premium Connection (MPC) Instruction Guide
Updated HUD MPC Instruction Guide in PDF format; version 10.0 now available.

May 4, 2004:

Answers to Mortgagee Questions - General Program Questions
Updated the Mellon Bank Holiday Chart for 2004.

December 11, 2003:

Answers to Mortgagee Questions - Reallocation
Updated information on reallocating funds to a non-endorsed case.

September 16, 2003:

Single Family Insurance Operations Division, Systems Management Branch, Data Quality Control Section Lender Representatives
Updated contact information.

Single Family Insurance Operations Division Service Center
Updated contact information.

August 27, 2003:

Single Family Insurance Operations Division, Lender Assistance Section (Periodic)
Updated contact information.

March 18, 2003:

HUD Mortgage Premium Connection (MPC) Instruction Guide
Updated HUD MPC Instruction Guide in PDF format; version 8.0 now available.

December 20, 2002:

Single Family Insurance Operations Division Service Center
Updated contact information.

Single Family Insurance Operations Division, Lender Assistance Section (Periodic)
Updated contact information.

Alternative FHA Network Connectivity
Updated request instructions for establishing dedicated access through the Frame Relay Network.

Answers to Mortgagee Questions - Case Detail
Added questions and answers related to the new Monthly Premiums Case Detail function.

Answers to Mortgagee Questions - Frame Relay Network
Updated instructions on how to get set up to use the Frame Relay Network.

Answers to Mortgagee Questions - General Program Questions
Updated the Mellon Bank Holiday Chart for 2003.

Answers to Mortgagee Questions - Monthly Premiums Files (FHA Connection)
Updated Monthly Premiums access instructions, including Mortgagee Letter references.

Answers to Mortgagee Questions - Premium/Late/Interest
Added reallocation information.

Answers to Mortgagee Questions - Reallocation
Updated instructions on how to request a reallocation.

Portfolio Layout
Servicer Transfer Date field is changed to Transfer/Termination Date to better reflect the contents of that field.

Reconciliation Discrepancy Types
Updated Mortgagee Action information for requesting reallocations and requesting changes to case information in HUD's records.

Reconciliation Scenarios
Updated Mortgagee Action information for requesting reallocations and requesting changes to case information in HUD's records.

November 1, 2001:

Single Family Premium Collection Subsystem-Periodic Information Packet - Main Page
Updated information about HUD's prior collection system and the old Section 530/Risk-Based payment program. Added Automated Clearing House (ACH) information.

Single Family Insurance Operations Division Service Center
Updated information.

Single Family Insurance Operations Division, Systems Management Branch, Data Quality Control Section Lender Representatives
Added a list of Data Quality Lender Representatives, their telephone extensions, and lender assignments.

Answers to Mortgagee Questions - General Program Questions
Updated information.

Answers to Mortgagee Questions - Remittance and Transmission Problems
Added ACH-related questions and answers.

Answers to Mortgagee Questions Index
Added Remittance and Transmission Problems links.

June 25, 2001:

HUD MPC Instruction Guide
Updated HUD MPC Instruction Guide in PDF format; version 7.0.

April 23, 2001:

Single Family Premium Collection Subsystem-Periodic Information Packet - Main Page
Reorganized and updated information. Added HUD contact for the Frame Relay Network and a link to Service Bureau information. Revised instructions for paying outstanding debt before 9/1999 and instructions for paying premiums for cases with less than a 9-digit case number.

Single Family Insurance Operations Division Service Center
Updated lists of Service Center personnel and their telephone extensions; revised responsibilities of each section.

Single Family Insurance Operations Division, Lender Assistance Section (Periodic)
Added a list of Periodic Lender Representatives, their telephone extensions, and mortgagee assignments.

Portfolio Layout
MIN # field is replaced with Final Bill Date and UPG@78% fields in accordance with Mortgagee Letters 2000-38 and 2000-46 (with Attachment) regarding mortgage insurance premium changes.

Advance Notices Layout
MIN # field is replaced with Final Bill Date, UPG@78%, and Notice Type fields. The Notice Type field provides classification of the notice. (See Portfolio Layout above for information about the Final Bill Date and UPG@78% fields.)

Answers to Mortgagee Questions - Multiple Advance Notices
Added a question and answer about receiving multiple advance notices for the same case.

Answers to Mortgagee Questions - The Frame Relay Network
HUD contact information added.

Answers to Mortgagee Questions - Service Bureau
Enhanced information on using a Service Bureau.

Answers to Mortgagee Questions - Mellon Bank Holiday Chart
Added the 2001 Mellon Holiday Chart.

Answers to Mortgagee Questions - Debt Incurred before the Single Family Premium Collection Subsystem-Periodic
Revised information about payments for outstanding debt incurred prior to the implementation of the Single Family Premium Collection Subsystem-Periodic (historical payments).

Answers to Mortgagee Questions Index
Reorganized and added link to Service Bureau information.