Regulatory Updates

Update your AVM governance P&Ps for the interagency Automated Valuation Model quality-control rule - the quality-control factors that apply to any AVM used in a covered transaction. Full verbatim rule text included.

Update your FHA Policies & Procedures for Mortgagee Letter 2025-06 (the permanent loss-mit framework, effective February 2, 2026). One Chat: upload the machine readable and verifiable regulatory dataset and your P&Ps that need updating.

Update your lead-generation and marketing P&Ps for the Homebuyers Privacy Protection Act - bars mortgage trigger leads unless a firm offer plus an eligible relationship exists. In force around March 4, 2026. Full verbatim statute included.

Update your FHA foreclosure/claims P&Ps for Mortgagee Letter 2026-03 - revised bidding at foreclosure and post-foreclosure sales efforts (CWCOT). Mandatory for foreclosure sales scheduled on/after April 29, 2026.

Update your VA servicing/default P&Ps for the statutory VA Partial Claim Program - servicer advances funds and takes a subordinate lien to cure default. Effective June 1, 2026; servicer-system compliance by November 28, 2026. Full verbatim statute included.

Update your USDA SFHGLP origination P&Ps for the Delegated Authority final rule - lets Delegated Lenders approve loans and obtain the Loan Note Guarantee after closing via the Agency's automated systems. Effective June 17, 2026.

Update your FHA renovation-lending P&Ps for Mortgagee Letter 2026-06 - raises the maximum number of draw requests under the Limited 203(k) program. Effective June 23, 2026.

Update your FHA origination/disclosure P&Ps for Mortgagee Letter 2026-07 - rescinds the requirement to provide and retain form HUD-92900-B. Effective June 23, 2026.

Update your FHA institutional and QC P&Ps for Mortgagee Letter 2026-09 - eliminates certain mortgagee-approval and quality-control requirements. Effective June 23, 2026.

Update your FHA QC P&Ps for Mortgagee Letter 2026-10 - makes appraisal field reviews an optional QC component (removes the mandatory 10% field-review requirement). Effective June 23, 2026.

The survivors' guide to Fannie Mae's AI Lender Letter (LL-2026-04): AI can touch 75%+ of the P&Ps in your compliance program — here's how to get compliant in two-hour increments. Run your P&Ps through the kit; it extracts the AI from your own policies, chases the gaps (drafting the emails you need), then produces your AI System Inventory, Risk Assessment, Governance Policy, vendor + Information Security checks, the P&P updates, and the audit trail — every output traced to the letter's own requirements and grounded only in the verbatim rule.

Update your USDA SFHGLP origination P&Ps for the Section 502 LITE Delegated-Authority Pilot - a two-year pilot delegating loan approval and Loan Note Guarantee issuance to eligible lenders. Effective September 1, 2026.

Update your FHA servicing P&Ps for Mortgagee Letter 2026-08 - new Trial Payment Plan definitions, standard and failure rules, and when to initiate foreclosure. May implement now; mandatory no later than September 21, 2026.