FNMA Servicing Guide D2-2 — Requirements for Contacting a Borrower
FNMA Servicing Guide D2-2-01 through D2-2-03 govern delinquent- borrower outreach: Quality Right Party Contact (QRPC) achievement requirement, outbound contact timing (begin no later than day 36 of delinquency; every 7 days continuing thereafter), 60-day judicial / 30-day non-judicial pre-foreclosure-sale outbound-contact stop rule, day-20 payment reminder notice rule, and message content requirements for outbound contacts. Fills FNMA Servicing D2-2 gap.
Verbatim regulatory text
Verbatim provisions from FNMA Servicing Guide D2-2 — Requirements for Contacting a Borrower — 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.
FNMA Servicing Guide D2-2-01 — Servicer must make every attempt to achieve QRPC
The servicer must make every attempt to achieve QRPC.
FNMA Servicing Guide D2-2-02 — Begin outbound contact by day 36, continue every 7 days
The servicer must begin outbound contact attempts no later than the 36th day of delinquency and must continue every 7 days until one of the following outcomes is attained: • QRPC is achieved and/or the borrower adheres to any workout option agreement made with the servicer, • the delinquency is resolved, • a complete BRP is received (see D2-2-05, Receiving a Borrower Response Package for information on the requirements for a complete BRP), • the borrower has provided a promise to pay the delinquent amount by a specified date (not to exceed 30 days), or • QRPC is achieved and the borrower indicates that they are not interested in a workout option.
FNMA Servicing Guide D2-2-02 — Discontinue outbound contact 60/30 days before foreclosure sale
the servicer must discontinue all outbound contact attempts
FNMA Servicing Guide D2-2-02 — Emphasize importance of timely payment during outbound contact
the servicer must emphasize the importance of making payments on or prior to their due dates.
FNMA Servicing Guide D2-2-03 — Send payment reminder notice no later than day 20
The servicer must send a payment reminder notice to the borrower no later than the 20th day of the month if the payment has not been received with the following exceptions: the mortgage loan is a second lien mortgage loan (see D2-2-09, Additional Borrower Contact Requirements for the Servicer of a Second Lien Mortgage Loan), or the borrower is subject to an active forbearance plan (without regard to whether the forbearance plan provides for reduced or suspended payments).
Operationalizing FNMA Servicing Guide D2-2 — Requirements for Contacting a Borrower
This is verbatim, source-snapshotted regulator text from the Claude for Compliance open corpus. To turn a rule like this into compliance work product: gap-analyze your policies and procedures (P&Ps) against these requirements to surface stale, conflicting, or missing provisions; operationalize any change with a ready-to-run update kit; and produce audit-ready evidence — every step grounded only in the regulator’s own words, never invented.
To work from the whole rulebook rather than this one page: download the corpus — every register on this site, verbatim, each with its source snapshot and effective date — then follow the methodology. It asks your assistant to answer only from the downloaded text, cite the register id and effective date it used, and tell you when the corpus does not cover something instead of filling the gap from memory. Running it locally also means no one sees which regulations you are looking at.
Source of record: https://claudeforcompliance.com/regs/fnma-svc-d2-2/
· register fnma-svc-d2-2 · Claude for Compliance. Free to read and download;
see regulatory updates and methodology.