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<br />04/01/15 Page 7-3 <br />For example, if the holder of a pension annuity provides semi-annual reports, SAHA <br />would accept the most recent report. <br />Any family self-certifications must be made in a format acceptable to SAHA. <br /> <br />File Documentation <br />The PHA must document in the file how the figures used in income and rent calculations were <br />determined. All verification attempts, information obtained, and decisions reached during the <br />verification process will be recorded in the family’s file in sufficient detail to demonstrate that <br />SAHA has followed all of the verification policies set forth in this plan. The record should be <br />sufficient to enable a staff member or HUD reviewer to understand the process followed and <br />conclusions reached. <br /> SAHA Policy <br /> The SAHA will document in the family file the following: <br /> Reported family annual income <br /> Value of assets <br /> Expenses related to deductions from annual income <br /> Other factors influencing adjusted income <br />When the PHA is unable to obtain third-party verification, the PHA will document in the family <br />file the reason that third-party verification was not available [24 CFR 982.516(a) (2); Notice PIH <br />2010-19]. <br /> <br />7-I.C. UP-FRONT INCOME VERIFICATION (UIV) <br />Up-front income verification (UIV) refers to the PHA’s use of the verification tools available <br />from independent sources that maintain computerized information about earnings and benefits. <br />UIV will be used to the extent that these systems are available to the PHA. <br />There may be legitimate differences between the information provided by the family and UIV- <br />generated information. No adverse action can be taken against a family until the PHA has <br />independently verified the UIV information and the family has been granted an opportunity to <br />contest any adverse findings through the informal review/hearing process of the PHA. <br />See Chapter 6 for SAHA’s policy on the use of UIV/EIV to project annual income. <br /> <br />Up-front Income Verification Using HUD’s Enterprise Income Verification (EIV) System <br />(Mandatory) <br /> <br />PHAs must use HUD’s EIV system in its entirety as a third -party source to verify participant <br />employment and income information during mandatory reexaminations or re-certifications of <br />family composition and income in accordance with 24 CFR 5.236 and administrative guidance <br />issued by HUD. The EIV system contains data showing earned income, unemployment benefits, <br />5-19