Mortgage bankers say they have not received enough notice or guidance on how to submit annual financial statements that are necessary to be re-certified as FHA approved lenders. The Department of Housing and Urban Development in August 2002 issued a final rule requiring “non-supervised” FHA lenders to submit annual financial and compliance data electronically. The requirement takes effect for FHA lenders with fiscal years ending after Sept. 30, 2002, which have to file their