# Changes Related to Insurance Requirements in Multi-Family Housing (MFH) Direct Loan and Grant Programs
> **Rural Housing Service** · Final rule. · Published 2026-04-20 · Effective 2026-05-20 · 91 FR 20863
## Document
- **Document number:** 2026-07618
- **Category:** rural-development
- **Sub-agency:** Rural Housing Service
- **Federal Register citation:** 91 FR 20863
- **CFR reference:** 7 CFR 3560
- **Publication date:** 2026-04-20
- **Effective date:** 2026-05-20
- **USDA docket:** Docket No. RHS-23-MFH-0019
## Abstract

The Rural Housing Service (RHS or the Agency), a Rural Development (RD) agency of the United States Department of Agriculture (USDA), will implement changes related to insurance requirements under the Multi-Family Housing (MFH) Direct Loan and Grant programs. This final rule will align RD insurance coverage types, amounts, and deductibles with affordable housing industry standards to simplify the coverage amounts, deductible limits, and improve customer experience with updated and understandable insurance requirements.

## Source
- [Federal Register document](https://www.federalregister.gov/documents/2026/04/20/2026-07618/changes-related-to-insurance-requirements-in-multi-family-housing-mfh-direct-loan-and-grant-programs)
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