---
kind: "section"
citation: "12 U.S.C. § 4904"
title: "12"
title_heading: "Banks and Banking"
number: "4904"
heading: "Notification upon cancellation or termination"
release: "119-102"
date: "2026-07-12"
url: "https://uscodex.org/usc/12/4904"
units:
  - "Chapter 49 — Homeowners Protection"
---

# §4904. Notification upon cancellation or termination

- (a) **In general—** Not later than 30 days after the date of cancellation or termination of a [private mortgage insurance](/usc/12/4901.md?p=13) requirement in accordance with this chapter, the [servicer](/usc/12/4901.md?p=16) shall notify the [mortgagor](/usc/12/4901.md?p=11) in writing—
  - (1) that the [private mortgage insurance](/usc/12/4901.md?p=13) has terminated and that the [mortgagor](/usc/12/4901.md?p=11) no longer has [private mortgage insurance](/usc/12/4901.md?p=13); and
  - (2) that no further premiums, payments, or other fees shall be due or payable by the [mortgagor](/usc/12/4901.md?p=11) in connection with the [private mortgage insurance](/usc/12/4901.md?p=13).
- (b) **Notice of grounds—**
  - (1) **In general—** If a [servicer](/usc/12/4901.md?p=16) determines that a [mortgage](/usc/12/1707.md?p=a) did not meet the requirements for termination or cancellation of [private mortgage insurance](/usc/12/4901.md?p=13) under subsection (a) or (b) of [section 4902 of this title](/usc/12/4902.md), the [servicer](/usc/12/4901.md?p=16) shall provide written notice to the [mortgagor](/usc/12/4901.md?p=11) of the grounds relied on to make the determination (including the results of any appraisal used to make the determination).
  - (2) **Timing—** Notice required by [paragraph (1)](#b-1) shall be provided—
    - (A) with respect to cancellation of [private mortgage insurance](/usc/12/4901.md?p=13) under [section 4902(a) of this title](/usc/12/4902.md?p=a), not later than 30 days after the later of—
      - (i) the date on which a request is received under [section 4902(a)(1) of this title](/usc/12/4902.md?p=a-1); or
      - (ii) the date on which the [mortgagor](/usc/12/4901.md?p=11) satisfies any evidence and certification requirements under [section 4902(a)(3)](/usc/12/4902.md?p=a-3)[^1] of this title; and
    - (B) with respect to termination of [private mortgage insurance](/usc/12/4901.md?p=13) under [section 4902(b) of this title](/usc/12/4902.md?p=b), not later than 30 days after the scheduled [termination date](/usc/12/4901.md?p=18).

## Footnotes

[^1]: See References in Text note below.

## Source credit

(Pub. L. 105–216, § 5, July 29, 1998, 112 Stat. 903.)

## Notes

### Editorial Notes

### References in Text

Section 4902(a)(3) of this title, referred to in subsec. (b)(2)(A)(ii), was redesignated section 4902(a)(4) of this title by Pub. L. 106–569, title IV, § 404(1)(C), Dec. 27, 2000, 114 Stat. 2958.

### Statutory Notes and Related Subsidiaries

### Effective Date

Section effective 1 year after July 29, 1998, see section 13 of Pub. L. 105–216, set out as a note under section 4901 of this title.