; and (C) instructions for accessing the Electronic Code of Federal Regulations and Farm Loan Program handbook instructions online. (2) Effect of failure to state reasons If the Secretary issues any adverse decision relating to an application for a farm loan, a Farm Service Agency program benefit, or the noninsured crop disaster assistance program established by section 196 of the Federal Agriculture Improvement and Reform Act of 1996 ( 7 U.S.C. 7333 ) and does not include in a determination letter provided to the applicant a reason known to the Secretary for that adverse decision, the Secretary may not subsequently issue an adverse decision to that applicant on the basis of the same reason, unless the circumstances of the applicant have substantially changed since the issuance of the prior adverse decision. (c) Collateralization (1) Origination The Secretary may only secure a direct farm loan with a principal residence if the total value of other assets available to secure the farm loan does not provide adequate security (as defined in section 761.2(b) of title 7, Code of Federal Regulations (or successor regulations)) for the loan. (2) Partial release of principal residence security In the case of a farm loan secured in part by a principal residence, the Secretary shall initiate a partial release of the principal residence as security in accordance with subpart H of part 765 of title 7, Code of Federal Regulations (or successor regulations), without any action required by the borrower, when the total value of other assets securing the farm loan is equal to 100 percent of the remaining loan amount. (3) Loan servicing (A) In general In the case of a farm loan borrower who is delinquent prior to restructuring the farm loan, the borrower shall execute and provide to the Secretary a lien on assets necessary to achieve not more than 100 percent collateralization of the loan value. (B) Best lien Except as provided in section 764.106 of title 7, Code of Federal Regulations (or successor regulations), the Secretary