Code of Federal Regulations Title 24 - Housing and Urban Development
Title 24 of the Code of Federal Regulations (CFR), titled "Housing and Urban Development," contains the principal set of rules and regulations issued by federal agencies regarding housing and urban development programs in the United States. It is primarily overseen by the Department of Housing and Urban Development (HUD).
This title is exceptionally broad, reflecting HUD's extensive role in shaping housing policy, providing housing assistance, promoting fair housing, and supporting community development across the nation.
Here's a general overview of the key areas and types of content you'll find in Title 24 CFR:
I. Subtitle A - Office of the Secretary, Department of Housing and Urban Development (Parts 0 - 99)
This subtitle covers general regulations applicable across many HUD programs, as well as those related to the administration of the Department itself.
Part 1: Nondiscrimination in Federally Assisted Programs (Title VI of the Civil Rights Act of 1964): Implements civil rights protections, prohibiting discrimination based on race, color, or national origin in programs receiving federal financial assistance from HUD.
Part 3: Nondiscrimination on the Basis of Sex: Regulations related to Title IX of the Education Amendments of 1972.
Part 5: General HUD Program Requirements; Waivers: A critically important part that defines terms common across many HUD programs (e.g., "annual income," "family," "tenant rent"), outlines general program requirements, and establishes conditions for waivers of regulations. This part also includes the Violence Against Women Act (VAWA) regulations for HUD programs, providing protections for victims of domestic violence, dating violence, sexual assault, or stalking in assisted housing.
Part 8: Nondiscrimination Based on Handicap (Section 504 of the Rehabilitation Act of 1973): Prohibits discrimination based on disability in federally assisted programs and activities.
Part 9: Enforcement of Nondiscrimination on the Basis of Disability (Americans with Disabilities Act - ADA): Implements Title II of the ADA for programs conducted by HUD.
Part 15: Public Access to HUD Records (Freedom of Information Act - FOIA): Details procedures for requesting HUD records.
Part 16: Implementation of the Privacy Act of 1974: Rules for handling personal information held by HUD.
II. Subtitle B - Regulations Relating to Housing and Urban Development (Chapters I - XXV)
This subtitle contains the vast majority of HUD's program-specific regulations, organized by the various offices within HUD that administer them.
A. Chapter I: Office of Assistant Secretary for Equal Opportunity (Parts 100-199)
Part 100: Discriminatory Conduct Under the Fair Housing Act: Interprets and implements the Fair Housing Act, prohibiting discrimination in the sale, rental, and financing of housing based on race, color, religion, sex, handicap, familial status, or national origin. This is a cornerstone of fair housing law.
Part 103: Fair Housing—Complaint Processing: Procedures for filing and investigating fair housing complaints.
Part 108: Compliance Procedures for Affirmative Fair Housing Marketing: Requires recipients of federal housing funds to take affirmative steps to market housing to all segments of the population.
B. Chapter II: Office of Assistant Secretary for Housing—Federal Housing Commissioner (Parts 200-499)
This is a very large chapter covering HUD's mortgage insurance programs, particularly those administered by the Federal Housing Administration (FHA).
Part 200: Introduction; General; FHA Programs: General FHA regulations, including mortgage insurance premiums, property standards, and mortgagees (lenders) eligibility.
Part 203: Single Family Mortgage Insurance: Detailed rules for the FHA's primary mortgage insurance program for single-family homes, including eligibility, underwriting, property appraisal, servicing, and claims.
Part 221: Low Cost and Moderate Income Mortgage Insurance: FHA programs for affordable housing.
Part 236: Mortgage Insurance and Interest Reduction Payment Program for Rental Housing: HUD's Section 236 program for rental housing for lower-income families.
Part 245: Tenant Participation and Tenant Opportunities in Multifamily Housing Projects: Rules regarding tenant rights and involvement in HUD-assisted multifamily housing.
C. Chapter III: Government National Mortgage Association (GNMA or Ginnie Mae) (Parts 300-399)
Part 300: General: Regulations for Ginnie Mae, which guarantees mortgage-backed securities (MBS) composed of FHA, VA, and USDA loans. This helps to provide liquidity in the housing market.
D. Chapter IV: Office of Housing and Office of Multifamily Housing Assistance Restructuring (Parts 400-499)
This chapter includes rules for the Office of Housing, including various multifamily housing programs.
E. Chapter V: Office of Assistant Secretary for Community Planning and Development (Parts 500-699)
This chapter covers programs designed to foster community development and provide assistance to local governments.
Part 570: Community Development Block Grants (CDBG): Regulations for the CDBG program, which provides annual grants to states and local governments to carry out community development activities, including housing, economic development, and public services.
Part 574: Housing Opportunities for Persons With AIDS (HOPWA): Regulations for a program providing housing assistance and supportive services to low-income individuals living with HIV/AIDS and their families.
Part 576: Emergency Solutions Grants Program (ESG): Regulations for grants to address homelessness.
Part 578: Continuum of Care (CoC) Program: Regulations for a program providing grants to prevent and end homelessness.
F. Chapter VII: Office of the Secretary, Department of Housing and Urban Development (Housing Assistance Programs and Public and Indian Housing Programs) (Parts 700-799)
Part 760: Lead-Based Paint Poisoning Prevention in Certain Residential Structures: Important regulations on lead-based paint hazards in HUD-assisted housing.
G. Chapters VIII and IX: Office of Assistant Secretary for Public and Indian Housing (Parts 800-1699)
These chapters are critical for public housing agencies (PHAs) and individuals participating in federal housing assistance programs.
Part 880: Section 8 Housing Assistance Payments Program for New Construction: Regulations for the Section 8 program, which provides rental assistance to low-income families, elderly, and persons with disabilities.
Part 882: Section 8 Moderate Rehabilitation: Another component of the Section 8 program.
Part 884: Section 8 New Construction Set-Aside for Section 515 Rural Rental Housing: Specific Section 8 rules for rural housing projects.
Part 901: Public Housing Modernization: Rules for modernizing public housing units.
Part 902: Public Housing Assessment System (PHAS): Regulations for how HUD assesses the performance of public housing agencies.
Part 960: Admission to, and Occupancy of, Public Housing: Eligibility requirements, tenant selection, and lease provisions for public housing.
Part 965: Tenant and Applicant Appeals Procedures: Due process rights for public housing tenants and applicants.
Part 966: Public Housing Lease and Grievance Procedure: Standard lease requirements and grievance procedures for public housing.
Part 982: Section 8 Tenant-Based Assistance: Housing Choice Voucher Program: The most widely used rental assistance program, providing vouchers to eligible low-income families to help them afford housing in the private market. This part covers participant eligibility, housing quality standards, rent calculations, and portability rules.
Part 983: Project-Based Voucher (PBV) Program: Regulations for another form of Section 8 assistance where subsidies are tied to specific housing units.
H. Chapter X: Office of Assistant Secretary for Housing—Federal Housing Commissioner (Interstate Land Sales Registration Program) (Parts 1700-1799)
Part 1710: Land Registration: Regulations for the Interstate Land Sales Full Disclosure Act, protecting consumers from fraudulent practices in the sale of undeveloped land across state lines.
Where to Find the Full Text:
For the most accurate and up-to-date versions of Title 24 of the Code of Federal Regulations, you should consult official sources:
Electronic Code of Federal Regulations (eCFR): This is a continuously updated online version of the CFR and is the most current source.
GovInfo (U.S. Government Publishing Office): Provides the official, published editions of the CFR in PDF format.
Legal Information Institute (LII) at Cornell Law School: Offers a user-friendly version of the CFR.
HUD's Official Website: While not the primary source for the full CFR text, the HUD website (www.hud.gov) provides extensive information on its programs, policies, and often links directly to relevant regulations or summaries.
Title 24 CFR is absolutely essential for anyone involved in federally assisted housing programs, including public housing agencies, landlords, tenants, developers, lenders, fair housing advocates, and state/local government entities engaged in community development.
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