I am in a pickle. I have recently come across a bank that is using an abbreviated MSD. They are basing this on the 1996 ammendment to section 6 of RESPA as well as HUDs July 29, 2002 Federal Register. At first I was like how in the world can I not know about this, but then I read that HUD withdrew the 2002 proposal. Did this withdrawal do away with allowing Banks the use of the abbreviated disclosure? and Can someone please point me to some type of document where HUD withdrew the proposal?