Can a lender use the HUD or FHA seal, logo or acronym in its advertising?

The use of the words “federal,” “government,” “national,” “U.S. Department of Housing and Urban Development,” “Federal Housing Administration,” and/or the letters “HUD” or “FHA,” either alone or with other words or letters, by an FHA-approved Mortgagee, non-approved Mortgagee, or sponsored third party originator (TPO) in a manner that falsely represents that the Mortgagee’s business services or products originate from HUD, FHA, the government of the United States, or any federal, state or local government agency is strictly prohibited.  Other than permissible use of the official FHA-Approved Lending Institution logo and the Equal Housing Opportunity logo, a Mortgagee must not use FHA or HUD logos or seals, any other official seal or logo of the U.S. Department of Housing and Urban Development, or any other insignia that imitates an official federal seal. No person, party, company, or firm, including FHA-approved Mortgagees, may use these logos or seals on any advertising device. 

Only an FHA-approved Mortgagee may display the official FHA-Approved Lending Institution logo on an advertising device for the purpose of illustrating to the public that the Mortgagee originates FHA-insured mortgage products. The Mortgagee must not permit its sponsored TPO to use the official FHA-Approved Lending Institution logo on any advertising device; unless the sponsored TPO is also an FHA-approved Mortgagee.  The FHA-Approved Lending Institution logo must be displayed in a discreet manner. The advertising device, when taken as a whole, must emphasize the institution or DBA name of the Mortgagee, and not the federal government. When using the FHA-Approved Lending Institution logo on an advertising device, the Mortgagee must include a conspicuous disclaimer that clearly informs the public that the Mortgagee displaying the advertising device is not acting on behalf of or at the direction of HUD, FHA, or the federal government. The disclaimer must be prominently displayed in a location proximate to where the FHA-Approved Lending Institution logo is displayed on each advertising device. The Mortgagee may not alter or modify the FHA-Approved Lending Institution logo in any way. 

For additional information see Handbook 4000.1 I.A.6.n.ii.(B) at https://www.hud.gov/program_offices/administration/hudclips/handbooks/hsgh

All policy information contained in this knowledge base article is based upon the referenced HUD policy document. Any lending or insuring decisions should adhere to the specific information contained in that underlying policy document.


Topic Number: KA-02362