Contract - Indiana Housing and Community Development Authority - DCI

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In order to report a client as having received Level 4a counseling, the following documents must be in the client's file: verification of client loan source, trial or permanent loan modification verification, authorization, disclosure, privacy policy, budget verification, documentation of back end DTI, Action Plan that would include applicable referrals, and date of follow-up meeting. The Contractor must certify that all NFMC clients are owner -occupants of their homes at the time they receive counseling. By existing statute, NFMC clients must be owner -occupants of single-family (one- to four -unit) properties with mortgages in default or in danger of default. The Contractor is responsible for ensuring proper documentation exists in client files. The Contractor cannot receive payment for a client until after all the required actions for the level have occurred and have been documented accordingly. Level 4b Counseling: (Counseling) Level 4b ($150.00) can only be reported when a Level 4a client has completed one follow-up session and the following documents are in the file: Authorization. If not already on file, Contractor must collect a signed authorization form from the client or have other legally -permissible client authorization on record that will allow the Contractor to (a) submit client -level information to the DCS for this grant, (b) allow IHCDA and NFMC to open files to be reviewed for program monitoring and compliance, and (c) allow IHCDA and NFMC to conduct follow-up with client related to program evaluation. Clients may opt -out of (c) above only, but proof of this must be retained in the client's file. Clients that opt out of (a) or (b) above cannot be uploaded into the DCS. Files uploaded in to the DCS without a signed authorization can create a legal liability, therefore the Contractor must ensure client files submitted to the DCS have a signed authorization form in the client file. Contractor is responsible for performing counseling within the limits of the laws in the State of Indiana. 2. Disclosure. Contractor must provide to all clients a disclosure statement. The disclosure statement must explicitly describe the various types of services the Contractor provides and any financial relationships between the Contractor and any other industry partners. The disclosure must state clearly that the client is not obligated to receive any other services offered by the Contractor or its exclusive partners. This must be presented to the client at the time of counseling. Proof that the client received the disclosure must be maintained in the file. Such proof can include a statement signed by the homeowner or an electronic signature, if applicable. 3. Privacy Policy.° Contractor must provide to all clients a copy of its privacy policy. Proof that the client received the policy must be maintained in the file. Such proof can include a statement signed by the homeowner or an electronic signature, if applicable. Although it is a best practice to provide the client with the privacy policy at the time of counseling, the Contractor may elect to share the privacy policy after the counseling occurs. If that is the case, Contractor must keep on file proof that the policy was sent to the homeowner via e-mail, fax, or postal mail. Having access to the privacy policy on Contractor's website does not satisfythis his requirement unless there is affirmative confirmation and documented proof that 4It is acceptable for Contractor to combine the Authorization Form, Disclosure Statement, and Privacy Policy into a single document which the client signs and the Contractor maintains in the client file. (00024811-1) Page 31 of 39