{"data":{"id":"us/12-cfr-1208.77","jurisdiction":"us","citation":"12 CFR 1208.77","heading":"Financial hardship.","body":"(a) A debtor whose wages are subject to a wage withholding order under this section, may, at any time, request a review by FHFA of the amount garnished, based on materially changed circumstances such as disability, divorce, or catastrophic illness which result in financial hardship.\n(b) A debtor requesting a review under this section shall submit the basis for claiming that the current amount of garnishment results in a financial hardship to the debtor, along with supporting documentation.\n(c) If a financial hardship is found, FHFA will downwardly adjust, by an amount and for a period of time agreeable to FHFA, the amount garnished to reflect the debtor's financial condition. FHFA will notify the employer of any adjustments to the amounts to be withheld.","path":["Title 12—Banks and Banking","CHAPTER XII—FEDERAL HOUSING FINANCE AGENCY","SUBCHAPTER A—ORGANIZATION AND OPERATIONS","PART 1208—DEBT COLLECTION","Subpart E—Administrative Wage Garnishment"],"source_url":"https://www.ecfr.gov/api/versioner/v1/full/2026-08-25/title-12.xml","current_through":"2026-08-25","vintage":"","retrieved_at":"2026-08-27T02:24:16Z","sha256":"7de5b30ee5b9246abd233312a6a24cc0dd323efee08e8a52522e0d444b13e956","source_id":"us-cfr","stale":true,"prev":"us/12-cfr-1208.76","next":"us/12-cfr-1208.78"},"notice":"GroundRules: Original legal text. Not legal advice."}