Freddie Mac Single-Family Seller/Servicer Guide Chapter 9101 — Delinquency Management for Mortgages Secured by Primary Residences

Name: Freddie Mac Single-Family Seller/Servicer Guide Chapter 9101 — Delinquency Management for Mortgages Secured by Primary Residences — machine-readable register
Creator: Claude for Compliance
License: https://creativecommons.org/licenses/by-nd/4.0/

fhlmc-9101

Chapter 9101 governs collection efforts, Borrower communications, foreclosure postponement, and management of the appeals process for denial of a Trial Period Plan, for Mortgages secured by Primary Residences. NOTE: actual title is "Delinquency Management for Mortgages Secured by Primary Residences".

This register: .xlsx .csv

source:
  type: regulation
  id: fhlmc-9101
  authority: Freddie Mac Single-Family Seller/Servicer Guide Chapter 9101 — Delinquency Management for Mortgages Secured by Primary Residences
  description: |
    Chapter 9101 governs collection efforts, Borrower communications,
    foreclosure postponement, and management of the appeals process for
    denial of a Trial Period Plan, for Mortgages secured by Primary
    Residences. NOTE: actual title is "Delinquency Management for
    Mortgages Secured by Primary Residences".
obligations:
  - id: fhlmc-9101-individualized-collection-techniques
    canonical_id: fhlmc-9101-individualized-collection-techniques
    section: Freddie Mac Guide Section 9101.1(a) — Servicer collection efforts
    description: |
      [LENDER] must treat each Delinquency individually by varying the
      collection techniques to fit the individual circumstances, and must
      avoid establishing a fixed routine — particularly when dealing with
      chronically delinquent Borrowers.
    type: do
    audit_question: Can [LENDER] evidence that, for each delinquent Freddie Mac-serviced Mortgage secured by a Primary Residence, collection techniques were varied to fit individual circumstances rather than applied as a fixed routine?
    program_review: Does the program facilitate varying collection techniques to fit individual circumstances rather than a fixed routine, especially for chronically delinquent Borrowers?
    file_review: Review collection notes on delinquent Primary-Residence loans; the compliance person judges whether techniques were individualized rather than a fixed routine.
    judgment: true
    feeds:
      - fhlmc-9101-refer-to-loss-mit-on-risk-of-loss
    workflow_phase: servicing
    owner_role: default_servicing_analyst
    secondary_owner_role: compliance_officer
    cadence: per-delinquency-event
    consequence: ''
    tags:
      - round-b
      - regulator-direct
      - fhlmc
      - freddie-mac
      - servicing-guide
      - delinquency-management
      - collections
      - promoted
    primary_source:
      tier: 1
      authority: Freddie Mac Single-Family Seller/Servicer Guide Section 9101.1(a)
      source_class: fhlmc-guide
      source_url: https://guide.freddiemac.com/ci-guide
      snapshot_id: 4c94f67729042dd6
      fetched_at: '2026-08-23T11:59:01.325048+00:00'
      content_hash: sha256:4c94f67729042dd6c1b29c7af76feaebf9fcaee0518fd408b68a0064e5a65533
      paragraph_quote: The Servicer must treat each Delinquency individually by varying the collection techniques to fit the individual circumstances.
      drafter_attestation: Copied verbatim from Freddie Mac Guide snapshot 5869ee9e606cd4ae (Chapter 9101) at 2026-05-22.
      quote_healed: true
      window_corroborated_by: cdn.lhfs.com (Freddie Guide re-host)
      window_corroborated_on: '2026-09-13'
    promoted_at: '2026-05-23T00:55:44+00:00'
    promoted_from: fhlmc-9101-roundb-v1.yaml
  - id: fhlmc-9101-refer-to-loss-mit-on-risk-of-loss
    canonical_id: fhlmc-9101-refer-to-loss-mit-on-risk-of-loss
    section: Freddie Mac Guide Section 9101.1(a) — Loss mitigation referral on risk of loss
    description: |
      If there is a known potential risk of loss or ownership to Freddie
      Mac, [LENDER] must refer the Borrower for loss mitigation
      immediately.
    type: do
    audit_question: Can [LENDER] evidence that, on every known potential risk of loss or ownership to Freddie Mac, the Borrower was referred for loss mitigation immediately?
    program_review: Does the program ensure that on any known potential risk of loss/ownership to Freddie Mac the Borrower is referred for loss mitigation immediately?
    file_review: Start with the servicing notes to confirm the ball moved forward — that a known risk-of-loss triggered an immediate loss-mit referral. The compliance person judges whether the risk was known and the referral timely.
    judgment: true
    feeds: []
    workflow_phase: servicing
    owner_role: default_servicing_analyst
    secondary_owner_role: loss_mitigation_specialist
    cadence: per-risk-event
    consequence: ''
    tags:
      - round-b
      - regulator-direct
      - fhlmc
      - freddie-mac
      - servicing-guide
      - delinquency-management
      - loss-mitigation-referral
      - promoted
    primary_source:
      tier: 1
      authority: Freddie Mac Single-Family Seller/Servicer Guide Section 9101.1(a)
      source_class: fhlmc-guide
      source_url: https://guide.freddiemac.com/ci-guide
      snapshot_id: 4c94f67729042dd6
      fetched_at: '2026-08-23T11:59:01.325048+00:00'
      content_hash: sha256:4c94f67729042dd6c1b29c7af76feaebf9fcaee0518fd408b68a0064e5a65533
      paragraph_quote: If there is a known potential risk of loss or ownership to Freddie Mac, the Borrower must be referred for loss mitigation immediately.
      drafter_attestation: Copied verbatim from Freddie Mac Guide snapshot 5869ee9e606cd4ae (Chapter 9101) at 2026-05-22.
      quote_healed: true
      window_corroborated_by: cdn.lhfs.com (Freddie Guide re-host)
      window_corroborated_on: '2026-09-13'
    promoted_at: '2026-05-23T00:55:44+00:00'
    promoted_from: fhlmc-9101-roundb-v1.yaml
  - id: fhlmc-9101-ach-missed-contact-48hrs
    canonical_id: fhlmc-9101-ach-missed-contact-48hrs
    section: Freddie Mac Guide Section 9101.1(b) — Borrowers on automatic withdrawal (ACH)
    description: |
      If an ACH payment cannot be processed on the specified date the
      Borrower has agreed to, [LENDER] must begin efforts to contact the
      Borrower within 48 hours to determine the reason for the missed
      payment.
    type: do
    audit_question: Can [LENDER] evidence that, for every ACH payment that could not be processed on the agreed-upon date, efforts to contact the Borrower were begun within 48 hours to determine the reason for the missed payment?
    program_review: Does the program ensure that when an agreed ACH payment cannot be processed, Borrower-contact efforts begin within 48 hours to determine the reason?
    file_review: For failed-ACH events, confirm from the notes that contact efforts began within 48 hours.
    judgment: false
    feeds: []
    workflow_phase: servicing
    owner_role: default_servicing_analyst
    secondary_owner_role: compliance_officer
    cadence: per-failed-ach-event
    consequence: ''
    tags:
      - round-b
      - regulator-direct
      - fhlmc
      - freddie-mac
      - servicing-guide
      - delinquency-management
      - ach
      - 48-hour-contact
      - promoted
    primary_source:
      tier: 1
      authority: Freddie Mac Single-Family Seller/Servicer Guide Section 9101.1(b)
      source_class: fhlmc-guide
      source_url: https://guide.freddiemac.com/ci-guide
      snapshot_id: 4c94f67729042dd6
      fetched_at: '2026-08-23T11:59:01.325048+00:00'
      content_hash: sha256:4c94f67729042dd6c1b29c7af76feaebf9fcaee0518fd408b68a0064e5a65533
      paragraph_quote: processed on the specified date the Borrower has agreed to, the Servicer must begin efforts to contact the Borrower within 48 hours to determine the reason for the missed payment.
      drafter_attestation: Copied verbatim from Freddie Mac Guide snapshot 5869ee9e606cd4ae (Chapter 9101) at 2026-05-22.
      quote_healed: true
      window_corroborated_by: cdn.lhfs.com (Freddie Guide re-host)
      window_corroborated_on: '2026-09-13'
    promoted_at: '2026-05-23T00:55:44+00:00'
    promoted_from: fhlmc-9101-roundb-v1.yaml
_promotion_history:
  - promoted_at: '2026-05-23T00:55:44+00:00'
    candidate_path: obligations\_remediation\_round_b_drafts\fhlmc-9101-roundb-v1.yaml
    candidates_promoted: 3
    candidates_skipped_existing: 0

Verbatim regulatory text (3)

Verbatim provisions from Freddie Mac Single-Family Seller/Servicer Guide Chapter 9101 — Delinquency Management for Mortgages Secured by Primary Residences — 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 Guide Section 9101.1(a) — Servicer collection efforts

The Servicer must treat each Delinquency individually by varying the collection techniques to fit the individual circumstances.

Source: Freddie Mac Single-Family Seller/Servicer Guide Section 9101.1(a) · source URL · snapshot 4c94f67729042dd6

Freddie Mac Guide Section 9101.1(a) — Loss mitigation referral on risk of loss

If there is a known potential risk of loss or ownership to Freddie Mac, the Borrower must be referred for loss mitigation immediately.

Source: Freddie Mac Single-Family Seller/Servicer Guide Section 9101.1(a) · source URL · snapshot 4c94f67729042dd6

Freddie Mac Guide Section 9101.1(b) — Borrowers on automatic withdrawal (ACH)

processed on the specified date the Borrower has agreed to, the Servicer must begin efforts to contact the Borrower within 48 hours to determine the reason for the missed payment.

Source: Freddie Mac Single-Family Seller/Servicer Guide Section 9101.1(b) · source URL · snapshot 4c94f67729042dd6

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Source of record: https://claudeforcompliance.com/regs/fhlmc-9101/ · register fhlmc-9101 · verbatim, source-snapshotted regulator text from the Claude for Compliance corpus. To work from every register at once, download the corpus and follow the methodology.