The Rural Housing Service (RHS) is amending the current regulation for the Single Family Housing Guaranteed Loan Program (SFHGLP). The subjects of the amendments relate to lender indemnification, refinancing, and qualified mortgage requirements. With the purposes of improving and expanding the risk management of the SFHGLP, lender indemnification authority is being expanded for loss claims in the case of fraud, misrepresentation, or noncompliance with applicable loan origination requirements. The refinancing provisions are being amended to simply require that the new interest rate not exceed the interest rate on the original loan and to add a new refinance option, “streamlined-assist.” The regulation is also being amended to indicate that a loan guaranteed by RHS is a Qualified Mortgage if it meets certain requirements set forth by the Consumer Financial Protection Bureau (CFPB). The amendments to the regulation are effective April 28, 2016.