The Department of Housing and Urban Development’s recent enforcement action against ABN AMRO for faulty underwriting procedures appears to be in stark contrast to the agency’s assurance of a less confrontational supervisory approach when it announced a new marketing strategy for FHA in June last year. Compliance experts say that HUD’s $41 million settlement against ABN AMRO for improper underwriting of thousands of FHA loans indicates no change in the agency’s tough enforcement policy,