I'm reviewing all my loans secured by structures in flood hazard areas, and I've come across one that originated in 1994. It has a flood hazard determination, and it has insurance in force - but it doesn't have the formal notice to the borrower. When was the notification requirement first imposed?

I don't know when it was first required. We've been doing it forever. More specifically I went to Compliance School in 1990 and it was required then. As I recall, forms were not necessarily standardized then, but there were content requirements, i.e participating, nonparticipating, etc.