T3 FANNIE_MAE High Confidence Guidance

Announcement SVC-2026-04 – Servicing Guide Update

Operational efficiency improvements and administrative updates to GSE servicing requirements

LOW

Impact Level

Top: Compliance (2)

Classification

Regulatory Program: GSE Servicing
Doc Type: Guidance
Effective Date: 2026-05-13
Days to Action: 54
Comment Deadline: —
Published: 2026-05-13

Urgency Basis

Primary compliance deadline is August 1, 2026 (54 days from today) for custodial account management and contact information updates

Operational Context

Flags

Systems Change Required

Affected Functions

Operations Compliance

Institution Applicability

All

Impact by Category

Compliance

Operational

Data Governance

Model Risk

Reporting & Disclosure

Capital & Liquidity

Consumer Protection

Third-Party Risk

Key Requirements

- Implement new digital custodial account management application by August 1, 2026 - Update mortgage insurance communication contact information by August 1, 2026 - Execute new Data Access Authorization Agreement (Form 101) for subservicers accessing custodial account data - Retain RON audit trail in electronic loan files without video recording requirement - Transfer RON audit trails to subsequent servicers per existing attribution requirements

Scoring Rationale

This is primarily an administrative update to GSE servicing requirements focusing on operational efficiency. The removal of RON video recording requirements reduces compliance burden while new custodial account management processes modernize form submission. Impact scores reflect incremental process changes rather than substantial new obligations. Most changes are encouraged immediately but have an August 1 compliance deadline.

Scored: 2026-06-08T19:01:19.261Z Model: claude-sonnet-4-20250514 Confidence: High Aggregate Score: 1.4

AI Analysis Disclosure — This record, including its scores, impact assessments, and Advisory Assessment (impact, risk, and recommended actions), was generated by an AI model and may contain errors or omissions. The Advisory Assessment is a starting point for analysis, not a substitute for professional judgment. Effective dates, applicability determinations, impact assessments, and any recommended actions should be independently verified against primary regulatory source documents and reviewed by qualified compliance or legal personnel before taking compliance action. This output does not constitute legal or compliance advice.