{"ok":true,"canonical_url":"https://dealroom.so/glossary/unauthorized-servicing-actions","api_url":"https://dealroom.so/api/public/glossary/unauthorized-servicing-actions","data_freshness":{"sba_records_through":"2026-05-31","fdic_records_through":"2026-03-31","dealroom_last_updated":"2026-06-15","timezone":"America/Chicago"},"source_summary":["Public SBA 7(a) loan records","FDIC institution data","DealRoom lender and franchise enrichment"],"term":{"slug":"unauthorized-servicing-actions","term":"Unauthorized servicing actions","group":"Doing the deal","definition":"These are actions taken by a lender regarding an SBA loan that violate SBA regulations or the loan authorization. They can result in the SBA refusing to honor its guaranty.","what_it_means":"Post-closing, your lender is responsible for servicing your SBA loan according to SBA rules. If the lender makes unauthorized changes to loan terms, collateral, or other key elements, the SBA could deny the guaranty if the loan defaults. Stick with an experienced PLP lender to minimize this risk.","url":"https://dealroom.so/glossary/unauthorized-servicing-actions","official_sources":[{"slug":"13-cfr-part-120","title":"13 CFR Part 120 — Business Loans","official_url":"https://www.ecfr.gov/current/title-13/chapter-I/part-120","official_label":"View on eCFR","authority_tier":1,"publisher":"Office of the Federal Register","source_guide_url":"https://dealroom.so/sba-7a/sources/13-cfr-part-120"},{"slug":"sop-50-10","title":"SOP 50 10 — Lender and Development Company Loan Programs","official_url":"https://www.sba.gov/document/sop-50-10-lender-development-company-loan-programs","official_label":"View on SBA.gov","authority_tier":2,"publisher":"U.S. Small Business Administration","source_guide_url":"https://dealroom.so/sba-7a/sources/sop-50-10"}],"related":[{"slug":"servicing","term":"Servicing","url":"https://dealroom.so/glossary/servicing"},{"slug":"repair-to-the-guaranty","term":"Repair to the guaranty","url":"https://dealroom.so/glossary/repair-to-the-guaranty"},{"slug":"loan-default","term":"Loan default","url":"https://dealroom.so/glossary/loan-default"},{"slug":"servicing-deficiency","term":"Servicing deficiency","url":"https://dealroom.so/glossary/servicing-deficiency"}],"related_questions":[{"question":"What servicing actions require prior written SBA approval?","url":"https://dealroom.so/for-lenders/questions/what-servicing-actions-require-prior-written-sba-approval"},{"question":"Which servicing actions can a 7(a) lender take without prior SBA approval?","url":"https://dealroom.so/for-lenders/questions/which-servicing-actions-can-a-7-a-lender-take-without-prior-sba-approval"},{"question":"What servicing actions can a 7(a) lender take without prior SBA approval?","url":"https://dealroom.so/for-lenders/questions/what-servicing-actions-can-a-7-a-lender-take-without-prior-sba-approval"},{"question":"What collateral servicing actions require prior SBA approval versus those delegated to the lender?","url":"https://dealroom.so/for-lenders/questions/what-collateral-servicing-actions-require-prior-sba-approval-versus-those-delegated-to-the"},{"question":"Which material servicing actions can a 7(a) lender take without prior SBA approval?","url":"https://dealroom.so/for-lenders/questions/which-material-servicing-actions-can-a-7-a-lender-take-without-prior-sba-approval"},{"question":"Which specific servicing actions can a 7(a) lender take without prior SBA approval?","url":"https://dealroom.so/for-lenders/questions/which-specific-servicing-actions-can-a-7-a-lender-take-without-prior-sba-approval"}]},"caveats":["Definitions represent DealRoom's plain-English interpretation for buyers; verify regulatory terms against the official SBA and eCFR sources listed.","Not legal, tax, or financial advice, and not an SBA eligibility determination."],"citation":{"label":"DealRoom.so Glossary — Unauthorized servicing actions","url":"https://dealroom.so/glossary/unauthorized-servicing-actions","source_type":"DealRoom Data"}}