I know that the DFA proposed rules taking effect 1/10/2014 (will be in RESPA, S1024) address force-placed insurance and the need for them to be repaid in a "reasonable time".

I've been looking lately and can't seem to find what I *thought* was an existing rule saying the same thing. In other words, I thought we were required to re-amortize the borrower's loan payment so the force-placed premium was repaid by the time the 1-year policy expired but I can't seem to find it.

Am I crazy or just looking in the wrong place?

If it is found anywhere, it would be in your loan agreement or State law. There is nothing at the Federal level that currently addresses non-flood force placement.