FNMA Servicing Guide E-1 — Referring Default-Related Legal Matters and Non-Routine Litigation to Law Firms

fnma-svc-e-1

Servicing Guide Chapter E-1 sets requirements when referring default-related legal matters to law firms.

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source:
  type: regulation
  id: fnma-svc-e-1
  authority: FNMA Servicing Guide E-1 — Referring Default-Related Legal Matters and Non-Routine Litigation to Law Firms
  description: |
    Servicing Guide Chapter E-1 sets requirements when referring default-related legal matters to law firms.
obligations:
  - id: fnma-svc-e-1-refer-to-retained-counsel-only
    canonical_id: fnma-svc-e-1-refer-to-retained-counsel-only
    section: FNMA Servicing Guide E-1.1-01 — General Requirements for Referring a Mortgage Loan to a Law Firm
    description: |
      [LENDER] must send each default-related legal referral to a law firm
      that has been selected and retained for the jurisdiction under the
      requirements set forth in A4-2.2-01, Selecting and Retaining Law Firms.
    type: do
    audit_question: For every default-related legal referral on a Fannie Mae mortgage loan, can [LENDER] evidence that the referred law firm was selected and retained for the jurisdiction under A4-2.2-01?
    program_review: Does the program ensure each default-related legal referral goes to a law firm selected/retained for the jurisdiction under A4-2.2-01?
    file_review: For default-related referrals, confirm the law firm was retained for the jurisdiction under A4-2.2-01.
    judgment: false
    feeds: []
    workflow_phase: servicing
    owner_role: foreclosure_specialist
    secondary_owner_role: compliance_officer
    cadence: per-event
    consequence: ''
    tags:
      - round-b
      - regulator-direct
      - fnma
      - servicing-guide
      - law-firm-referral
      - retained-counsel
      - promoted
    primary_source:
      tier: 1
      authority: FNMA Servicing Guide E-1.1-01
      source_class: fnma-guide
      source_url: https://singlefamily.fanniemae.com/media/document/pdf/servicing-guide
      snapshot_id: cf63a82bbb4adfba
      fetched_at: '2026-05-22T23:53:19Z'
      content_hash: sha256:89df66c43baad07f8a8dd9d224492fff7d15e8839edba02ad0e74c7e50fe5da3
      paragraph_quote: Send the referral to a law firm that has been selected and retained for the jurisdiction under the requirements set forth in A4-2.2-01, Selecting and Retaining Law Firms.
      drafter_attestation: |
        Copied verbatim from FNMA Servicing Guide snapshot cf63a82bbb4adfba (chapter E-1) at 2026-05-22.
      quote_healed: true
      glyphs_normalized: true
    promoted_at: '2026-05-23T00:25:12+00:00'
    promoted_from: fnma-svc-e-1-roundb-v1.yaml
  - id: fnma-svc-e-1-95-day-document-request
    canonical_id: fnma-svc-e-1-95-day-document-request
    section: FNMA Servicing Guide E-1.1-02 — Required Referral Documents
    description: |
      [LENDER] must institute a process to request the necessary documents
      from the document custodian no later than the 95th day of delinquency
      in order to ensure that these documents are available at the time of
      referral to the law firm for default-related legal services.
    type: do
    audit_question: For every Fannie Mae mortgage loan headed toward a default-related legal referral, can [LENDER] evidence a process that requests necessary documents (note, allonge, etc.) from the document custodian no later than the 95th day of delinquency?
    program_review: Does the program operate a process to request necessary documents from the document custodian no later than day 95 of delinquency, so they are available at referral?
    file_review: For loans heading to legal referral, confirm the document-custodian request was initiated no later than day 95 of delinquency.
    judgment: false
    feeds: []
    workflow_phase: servicing
    owner_role: foreclosure_specialist
    secondary_owner_role: default_servicing_analyst
    cadence: per-default-event
    consequence: ''
    tags:
      - round-b
      - regulator-direct
      - fnma
      - servicing-guide
      - document-custodian
      - 95-day
      - promoted
    primary_source:
      tier: 1
      authority: FNMA Servicing Guide E-1.1-02
      source_class: fnma-guide
      source_url: https://singlefamily.fanniemae.com/media/document/pdf/servicing-guide
      snapshot_id: cf63a82bbb4adfba
      fetched_at: '2026-05-22T23:53:19Z'
      content_hash: sha256:89df66c43baad07f8a8dd9d224492fff7d15e8839edba02ad0e74c7e50fe5da3
      paragraph_quote: The servicer must institute a process to request the necessary documents from the document custodian no later than the 95th day of delinquency in order to ensure that these documents are available at the time of referral.
      drafter_attestation: |
        Copied verbatim from FNMA Servicing Guide snapshot cf63a82bbb4adfba (chapter E-1) at 2026-05-22.
      quote_healed: true
    promoted_at: '2026-05-23T00:25:12+00:00'
    promoted_from: fnma-svc-e-1-roundb-v1.yaml
_promotion_history:
  - promoted_at: '2026-05-23T00:25:12+00:00'
    candidate_path: C:\Users\earlc\broker-tools\obligations\_remediation\_round_b_drafts\fnma-svc-e-1-roundb-v1.yaml
    candidates_promoted: 2
    candidates_skipped_existing: 0

Verbatim regulatory text (2)

Verbatim provisions from FNMA Servicing Guide E-1 — Referring Default-Related Legal Matters and Non-Routine Litigation to Law Firms — 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 E-1.1-01 — General Requirements for Referring a Mortgage Loan to a Law Firm

Send the referral to a law firm that has been selected and retained for the jurisdiction under the requirements set forth in A4-2.2-01, Selecting and Retaining Law Firms.

Source: FNMA Servicing Guide E-1.1-01 · source URL · snapshot cf63a82bbb4adfba

FNMA Servicing Guide E-1.1-02 — Required Referral Documents

The servicer must institute a process to request the necessary documents from the document custodian no later than the 95th day of delinquency in order to ensure that these documents are available at the time of referral.

Source: FNMA Servicing Guide E-1.1-02 · source URL · snapshot cf63a82bbb4adfba

Did an assistant just answer a Fannie Mae question for you? Announcements change Guide topics, but the old wording keeps circulating. An assistant will hand you the prior version and name no date at all. This page is the operative text, with its effective date.

Check the answer. Paste into ChatGPT or Claude:

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Operationalizing FNMA Servicing Guide E-1 — Referring Default-Related Legal Matters and Non-Routine Litigation to Law Firms

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-e-1/ · register fnma-svc-e-1 · Claude for Compliance. Free to read and download; see regulatory updates and methodology.