Freddie Mac Single-Family Seller/Servicer Guide Chapter 8102 — Servicers and Servicing Agents

fhlmc-8102

Chapter 8102 of the Freddie Mac Single-Family Seller/Servicer Guide governs the Master Servicer's use of Servicing Agents (subservicers): written approval to engage, oversight and surveillance, management experience, termination/transfer of Subservicing Agreements, document custody, and outsourced vendors. NOTE: actual title in the Freddie Guide is "Servicers and Servicing Agents", not "Mortgage File Retention".

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source:
  type: regulation
  id: fhlmc-8102
  authority: Freddie Mac Single-Family Seller/Servicer Guide Chapter 8102 — Servicers and Servicing Agents
  description: |
    Chapter 8102 of the Freddie Mac Single-Family Seller/Servicer Guide
    governs the Master Servicer's use of Servicing Agents (subservicers):
    written approval to engage, oversight and surveillance, management
    experience, termination/transfer of Subservicing Agreements, document
    custody, and outsourced vendors. NOTE: actual title in the Freddie
    Guide is "Servicers and Servicing Agents", not "Mortgage File
    Retention".
obligations:
  - id: fhlmc-8102-master-servicer-prior-written-approval-servicing-agent
    canonical_id: fhlmc-8102-master-servicer-prior-written-approval-servicing-agent
    section: Freddie Mac Guide Section 8102.1(c) — Approval to use Servicing Agents
    description: |
      [LENDER], as Master Servicer, must obtain Freddie Mac's written
      approval to use a Servicing Agent before the Servicing Agent may
      commence any Servicing activities on behalf of the Master Servicer.
    type: do
    audit_question: Can [LENDER] evidence that, for every Servicing Agent used to service Freddie Mac mortgages, Freddie Mac's written approval (via executed and acknowledged Form 479A) was obtained BEFORE the Servicing Agent commenced any servicing activities?
    program_review: Does the program ensure Freddie Mac's written approval (executed Form 479A) is obtained BEFORE any Servicing Agent commences servicing activities?
    file_review: For each Servicing Agent, confirm an executed/acknowledged Form 479A predates the agent's first servicing activity.
    judgment: false
    feeds: []
    workflow_phase: servicing
    owner_role: compliance_officer
    secondary_owner_role: default_servicing_analyst
    cadence: per-servicing-agent-engagement
    consequence: ''
    tags:
      - round-b
      - regulator-direct
      - fhlmc
      - freddie-mac
      - servicing-guide
      - servicing-agents
      - subservicing
      - prior-approval
      - promoted
    primary_source:
      tier: 1
      authority: Freddie Mac Single-Family Seller/Servicer Guide Section 8102.1(c)
      source_class: fhlmc-guide
      source_url: https://guide.freddiemac.com/ci-guide
      snapshot_id: 5869ee9e606cd4ae
      fetched_at: '2026-05-23T00:27:40Z'
      content_hash: sha256:9a1b23e5024bb369e7a59d36b3702383c11ace68b5d209fdef791bc8f955c637
      paragraph_quote: A Master Servicer must obtain Freddie Mac’s written approval to use a Servicing Agent
      drafter_attestation: Copied verbatim from Freddie Mac Guide snapshot 5869ee9e606cd4ae (Chapter 8102) at 2026-05-22.
    promoted_at: '2026-05-23T00:40:05+00:00'
    promoted_from: fhlmc-8102-roundb-v1.yaml
  - id: fhlmc-8102-oversight-surveillance-program
    canonical_id: fhlmc-8102-oversight-surveillance-program
    section: Freddie Mac Guide Section 8102.1(e) — Oversight and surveillance
    description: |
      [LENDER], as Master Servicer, must establish an oversight and
      surveillance program to monitor its Servicing Agent's compliance with
      the Servicing requirements of the Guide and other Purchase Documents
      applicable to the Master Servicer.
    type: do
    audit_question: Can [LENDER] evidence the existence and operation of an oversight and surveillance program that monitors each Servicing Agent's compliance with the Freddie Mac Guide and other applicable Purchase Documents?
    program_review: Does the program operate an oversight-and-surveillance program monitoring each Servicing Agent's compliance with the Guide and other applicable Purchase Documents?
    file_review: Review the oversight-program artifacts (monitoring reports, exception findings); the compliance person judges whether the surveillance is adequate to the agent's activity.
    judgment: true
    feeds: []
    workflow_phase: servicing
    owner_role: compliance_officer
    secondary_owner_role: default_servicing_analyst
    cadence: continuous
    consequence: ''
    tags:
      - round-b
      - regulator-direct
      - fhlmc
      - freddie-mac
      - servicing-guide
      - servicing-agents
      - oversight
      - surveillance
      - promoted
    primary_source:
      tier: 1
      authority: Freddie Mac Single-Family Seller/Servicer Guide Section 8102.1(e)
      source_class: fhlmc-guide
      source_url: https://guide.freddiemac.com/ci-guide
      snapshot_id: 5869ee9e606cd4ae
      fetched_at: '2026-05-23T00:27:40Z'
      content_hash: sha256:9a1b23e5024bb369e7a59d36b3702383c11ace68b5d209fdef791bc8f955c637
      paragraph_quote: The Master Servicer must establish an oversight and surveillance program to monitor its
      drafter_attestation: Copied verbatim from Freddie Mac Guide snapshot 5869ee9e606cd4ae (Chapter 8102) at 2026-05-22.
    promoted_at: '2026-05-23T00:40:05+00:00'
    promoted_from: fhlmc-8102-roundb-v1.yaml
  - id: fhlmc-8102-notify-subservicing-agreement-expire-terminate
    canonical_id: fhlmc-8102-notify-subservicing-agreement-expire-terminate
    section: Freddie Mac Guide Section 8102.1(b)(i) — Termination or expiration of Subservicing Agreement
    description: |
      [LENDER], as Master Servicer, must notify Freddie Mac (see Directory
      3) in the event its Subservicing Agreement with an approved Servicing
      Agent expires or is terminated by either party within one Business Day
      of such an expiration or termination by submitting a new Form 479A.
    type: notify
    audit_question: Can [LENDER] evidence that, for every expiration or termination of a Subservicing Agreement with an approved Servicing Agent, Freddie Mac was notified within one Business Day by submission of a new Form 479A?
    program_review: Does the program ensure that expiration/termination of a Subservicing Agreement with an approved Servicing Agent is notified to Freddie Mac within one Business Day via a new Form 479A?
    file_review: For any Subservicing Agreement that ended, confirm a new Form 479A was submitted within one Business Day.
    judgment: false
    feeds: []
    workflow_phase: servicing
    owner_role: compliance_officer
    secondary_owner_role: default_servicing_analyst
    cadence: per-subservicing-termination-event
    consequence: ''
    tags:
      - round-b
      - regulator-direct
      - fhlmc
      - freddie-mac
      - servicing-guide
      - servicing-agents
      - subservicing
      - termination
      - notification
      - promoted
    primary_source:
      tier: 1
      authority: Freddie Mac Single-Family Seller/Servicer Guide Section 8102.1(b)(i)
      source_class: fhlmc-guide
      source_url: https://guide.freddiemac.com/ci-guide
      snapshot_id: 5869ee9e606cd4ae
      fetched_at: '2026-05-23T00:27:40Z'
      content_hash: sha256:9a1b23e5024bb369e7a59d36b3702383c11ace68b5d209fdef791bc8f955c637
      paragraph_quote: A Master Servicer must notify Freddie Mac (see Directory 3) in the event its
      drafter_attestation: Copied verbatim from Freddie Mac Guide snapshot 5869ee9e606cd4ae (Chapter 8102) at 2026-05-22.
    promoted_at: '2026-05-23T00:40:05+00:00'
    promoted_from: fhlmc-8102-roundb-v1.yaml
_promotion_history:
  - promoted_at: '2026-05-23T00:40:05+00:00'
    candidate_path: obligations\_remediation\_round_b_drafts\fhlmc-8102-roundb-v1.yaml
    candidates_promoted: 3
    candidates_skipped_existing: 0

Verbatim regulatory text (3)

Verbatim provisions from Freddie Mac Single-Family Seller/Servicer Guide Chapter 8102 — Servicers and Servicing Agents — each quote is a verified substring of the regulator-published source snapshot, not retyped. Quoted for reference; this is not legal advice. The operational layer (P&P updates, prompts) lives in the regulation update kits.

Freddie Mac Guide Section 8102.1(c) — Approval to use Servicing Agents

A Master Servicer must obtain Freddie Mac’s written approval to use a Servicing Agent

Source: Freddie Mac Single-Family Seller/Servicer Guide Section 8102.1(c) · source URL · snapshot 5869ee9e606cd4ae

Freddie Mac Guide Section 8102.1(e) — Oversight and surveillance

The Master Servicer must establish an oversight and surveillance program to monitor its

Source: Freddie Mac Single-Family Seller/Servicer Guide Section 8102.1(e) · source URL · snapshot 5869ee9e606cd4ae

Freddie Mac Guide Section 8102.1(b)(i) — Termination or expiration of Subservicing Agreement

A Master Servicer must notify Freddie Mac (see Directory 3) in the event its

Source: Freddie Mac Single-Family Seller/Servicer Guide Section 8102.1(b)(i) · source URL · snapshot 5869ee9e606cd4ae