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In forceConsumer protection (flood insurance)Last checked 13 November 2026

Recordkeeping and disclosure for loans secured by real estate in flood hazard areas (FR H-2)

A regulatory return listed by the Board of Governors of the Federal Reserve System (Federal Reserve Board), United States.

Regulation H requires a state member bank to notify a borrower and the loan's servicer when a loan is secured by real estate in a designated flood hazard area, and to tell them whether flood insurance is available. The bank must also notify FEMA of the identity of (and any change to) the loan's servicer, and keep a copy of the Standard Flood Hazard Determination Form used to decide whether the securing property is in a flood hazard area. Source

Official title: Recordkeeping and Disclosure Requirements Associated with Loans Secured by Real Estate Located in Flood Hazard Areas Pursuant to 208.25 Regulation H

The facts

Who files
State member banks (mandatory recordkeeping and disclosure). Source
How often
Event-generated: triggered by each loan secured by real estate in a flood hazard area. Source
Deadline
Not stated as a filing deadline on the Board's page; this is a recordkeeping and disclosure duty, not a periodic report to the Board. Source
Format
PDF. The Standard Flood Hazard Determination Form is FEMA's own form, kept by the bank; not filed with the Board. Source
How it is filed
Filing routes recorded for the Federal Reserve Board: Reporting Central; Structure Central. See how firms file with the Federal Reserve Board.
Status
In forceThe Board's page links only to FEMA's site for the Standard Flood Hazard Determination Form: 'The Federal Reserve Board does not maintain these forms and instructions.' The FEMA site was not requested in this file (see gaps). Source
Group
Consumer protection (flood insurance)

Templates (0)

The library lists no templates for this return.

FEMA's Standard Flood Hazard Determination Form; not the Board's own template and not checked in this file. Source

Validation rules

No published validation rules were found for this return. Not applicable: a recordkeeping and disclosure duty, not a data return. Source

Public data

No published data from this return was found. The Board's page states 'None' for public release. Source

Official documents (1)

The Federal Reserve Board's own files, with the size and SHA-256 fingerprint of each as downloaded on 13 November 2026, so anyone can tell whether a copy is the same version.

Sources

Every page and document this return's facts were read from.

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Line4's own text, and the way Line4 has collected and arranged these records, are free to reuse under CC BY 4.0. Please credit: “Source: Line4 regulatory submissions library (CC BY 4.0), https://www.line4.ai”. The facts themselves belong to no one. The regulators' document titles, template names, quoted terms and documents belong to them and are not covered by this licence: see Federal Reserve Board's reuse terms. This describes what regulators publish. It is not legal or regulatory advice: always rely on the regulator's own text. Not affiliated with or endorsed by any regulator.

Source: Board of Governors of the Federal Reserve System, https://www.federalreserve.gov. Documents are linked on the regulator's own site, not hosted here. The plain-English summaries are Line4's own; the Board does not endorse this library.

Last checked 13 November 2026.