UAD 3.6 and the redesigned URAR (mandatory Nov 2, 2026)

Effective 2026-11-02 Project mode Any AI tool Change Broad — inventory first

Project mode — one regulatory change across many P&Ps at once. The work runs as a coordinated Skill across a Project, so every P&P is reviewed and realigned the same rigorous way.

Why this one is different

Most updates change a requirement. This one changes the form the requirement is recorded on, which means it reaches into every document, checklist and system that ever named an appraisal form by number.

The mandatory date is hard. A UAD 2.6 report submitted to UCDP on or after November 2, 2026 returns a Fatal message and the submission fails. UAD 2.6 revisions remain possible until May 2027, but new reports do not.

What makes it easy to get wrong

Freddie Mac currently publishes affected Guide sections in two versions at once — the one in force today, and the UAD 3.6 version that takes over on November 2. Both are real regulator text and both read like current policy. Our reg pages label the pending version explicitly; the source documents largely do not.

That is the specific failure this kit is built to catch: an assistant, or a person, reading the November version and applying it in September.

The source material

The GSEs publish the redesign as a set of numbered appendices, not as a rule. Three of them are the substance and all three are in the corpus verbatim:

Appendix B-1 Implementation Guide v1.4401 pages — what a compliant report must contain
Appendix F-1 Reference Guide v1.4378 pages — field-by-field reference
Appendix E Report Style Guide92 pages — how the report presents

Also published, and worth knowing exists: Appendix G-1, a Redesign-to-Legacy UAD cross reference that maps each new field back to its UAD 2.6 equivalent, and Appendix D-1, sample use cases with actual XML. Those are the artifacts to hand an engineering team.

Who is actually behind this

FHFA directs it; Fannie Mae and Freddie Mac implement it through the Uniform Mortgage Data Program, with FHA aligning. There is no single regulator to watch, which is part of why it is easy to miss.

Which of your P&Ps assume the old appraisal forms

This session: Your appraisal, collateral, underwriting and QC policies and procedures.

You are helping a mortgage lender prepare for UAD 3.6 and the redesigned Uniform Residential Appraisal Report, mandatory for appraisals submitted to UCDP on or after November 2, 2026.
I am uploading our policies and procedures. Using ONLY the verbatim regulator text I attach, identify every place our documents depend on something UAD 3.6 changes. Look specifically for: named legacy appraisal forms (1004, 1073, 1025, 2055, 1004D and the Freddie equivalents), form-number references in exhibit or checklist tables, language that assumes a fixed form rather than a dynamic report, UCDP submission steps, and any hard-coded field or section names.
For each hit give me: the document and section, the exact sentence, what breaks on November 2, and a suggested replacement. Where our text is already form-agnostic, say so and leave it alone.
Do not invent requirements. If the attached regulator text does not resolve something, say so and tell me which source would.

Find the rules that have two live versions right now

This session: Nothing - this one runs against the attached corpus file alone.

Using ONLY the attached verbatim Guide text, list every section that appears in two versions: the version in force today, and a version marked as taking effect November 2, 2026.
For each, tell me in plain language what actually changes between the two, and which of the two an underwriter should be following this week. Quote the operative text and give its effective date. Be explicit that the November version is NOT yet in force.
This matters because both versions read like current policy. If you cannot tell which version governs, say so rather than guessing.

A dated readiness plan

This session: Your answers from the two prompts above.

From the exposure list and the dual-version list, build me a readiness plan with dated milestones working backward from November 2, 2026.
Separate the items into: things that must change in our written P&Ps, things that must change in a vendor or system we do not control (appraisal management, LOS, UCDP submission path), and things that are only training or communication.
For the vendor items, draft the question I should be sending that vendor now, naming the specific capability and the date. Flag anything where a vendor answer of "we are working on it" would leave us unable to originate after November 2.