Freddie Mac Single-Family Seller/Servicer Guide 3201.3 — Fraud cooperation and additional requirements
Freddie Mac Single-Family Seller/Servicer Guide section 3201.3 — Fraud cooperation and additional requirements. Full verbatim section text, substring-verified against snapshot 5869ee9e606cd4ae.
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Verbatim provisions from Freddie Mac Single-Family Seller/Servicer Guide 3201.3 — Fraud cooperation and additional requirements — 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 Single-Family Seller/Servicer Guide 3201.3 — Fraud cooperation and additional requirements
This section contains requirements related to: ■ Fraud cooperation ■ Additional fraud (a) Fraud cooperation The Seller/Servicer must cooperate with Freddie Mac to prevent and investigate fraud and other Suspicious Activity. Cooperation includes making available to Freddie Mac individuals with relevant knowledge and providing to Freddie Mac and, when permitted by law, assisting Freddie Mac in obtaining all information, documentation and records requested by Freddie Mac relating to a Mortgage and related real estate transactions, including, but not limited to: ■ Closing or settlement agent files ■ Mortgage files ■ Borrower payment records ■ Reverifications of employment, income, occupancy and assets ■ Any internal or external communications ■ Documentation and records related to Borrower identity verification and potential identity theft investigations, including, but not limited to, identity verification results, fraud alerts and investigation case records ■ Electronic notarization (e-notary) artifacts, where applicable, including video recordings Such information, documentation and records must be maintained in a manner that enables timely retrieval and production upon request by Freddie Mac. The Seller/Servicer must provide all information requested by Freddie Mac through the Tip Referral Tool within 14 days after receiving the request, using the Tip Referral Tool. (b) Additional fraud Seller/Servicers are reminded of their continuing obligation to comply with all applicable federal, State and local laws, including those relating to fraud and anti-money laundering (see Section 1301.2). Seller/Servicers must have in place written procedures for preventing, detecting and reporting fraud, and detecting and reporting Suspicious Activity, including the requirements of this chapter, and must make these procedures available to Freddie Mac upon request. Seller/Servicers must implement fraud risk management processes and controls, which may include screening software/tools and monitoring. Procedures must be in place to identify and track fraud trends, volume of potential fraud (such as number of fraud incidents and Exclusionary List hits) and Suspicious Activity and fraud alert review and resolution.
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Source of record: https://claudeforcompliance.com/regs/fhlmc-3201-3/
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