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ONAP logo Consultation on Section 184 Regulations


The U.S. Department of Housing and Urban Development (HUD) has prioritized updating the regulations for the Section 184 Indian Housing Loan Guarantee program (Section 184). Since the Section 184 program impacts tribes and Native American families, HUD is conducting tribal consultation on the regulations in accordance with the Department's Government-to-Government Tribal Consultation Policy.

The Section 184 program is a home mortgage product specifically designed for American Indian and Alaska Native families, Alaska villages, tribes, or tribally designated housing entities. Section 184 loans can be used, both on and off native lands, for new construction, rehabilitation, purchase of an existing home, or refinance.

Congress established the Section 184 program in 1992 to facilitate homeownership and increase access to capital in Native American Communities.  The program has grown from under 100 loans in 1994 to over 4,000 loans worth over $700 million in fiscal year 2017.  However, the regulatory framework that governs program has remained largely unchanged. 

HUD welcomes all tribal comments on the Section 184 program, and feedback on how tribes can play a more meaningful role in the program. Please email comments and questions to:

Tribal Consultation

HUD’s Office of Native American Programs (ONAP) is conducting consultation sessions February through April 2018. ONAP will consider tribal comments from these tribal consultations, as well as comments sent to, when drafting the new regulations.

Consultation Sessions

  • February 12-15, 2018 National Congress of American Indians (NCAI) 2018 Executive Council Winter Session in Washington, DC
  • March 5-7, 2018 National American Indian Housing Council (NAIHC) 2018 Legislative Conference in Washington, DC
  • March 15, 2018 Section 184 Tribal Consultation Informational webinar.  Recording and Transcript
  • March 22, 2018 Nevada/California Indian Housing Association in Lincoln, CA
  • March 26, 2018 Midwestern Alliance of Sovereign Tribes (MAST) Impact Week in Washington, DC
  • April 9, 2018 The United Native American Housing Association (UNAHA) Annual Meeting in Lakewood, CO
  • April 9, 2018 Association of Alaska Housing Authorities' (AAHA) webinar in Anchotage, AK.
  • April 17, 2018 Northwest Indian Housing Association (NWIHA) in Worley, ID
  • April 19, 2018 Southern Plains Indian Housing Association (SPIHA) Spring Meeting in Catoosa, OK
  • April 24-25, 2018 Tribal Self-Governance Annual Consultation Conference Albuquerque Convention Center in Albuquerque, NM
  • May 3, 2018 HUD Offices and webinar  PM in Chicago, IL

Once HUD has prepared draft regulations, HUD will send a copy out to tribal leaders and tribally designated housing entities for comment via a “Dear Tribal Leader letter.” Once this tribal comment period is over and any comments received are considered, HUD will publish the proposed rule in the Federal Register for public comment.