FNMA Servicing Guide D2-1 — Working with a Borrower Who is Facing Default

Name: FNMA Servicing Guide D2-1 — Working with a Borrower Who is Facing Default — machine-readable register
Creator: Claude for Compliance
License: https://creativecommons.org/licenses/by-nd/4.0/

fnma-svc-d2-1

Servicing Guide Chapter D2-1 governs imminent-default evaluation and the prohibition on soliciting current/<30-day-delinquent borrowers.

This register: .xlsx .csv

source:
  type: regulation
  id: fnma-svc-d2-1
  authority: FNMA Servicing Guide D2-1 — Working with a Borrower Who is Facing Default
  description: Servicing Guide Chapter D2-1 governs imminent-default evaluation and the prohibition on soliciting current/<30-day-delinquent borrowers.
obligations:
  - id: fnma-svc-d2-1-evaluate-imminent-default
    canonical_id: fnma-svc-d2-1-evaluate-imminent-default
    section: FNMA Servicing Guide D2-1-01 — Determining if the Borrower's Mortgage Payment is in Imminent Default
    description: |
      [LENDER] must consider available workout options when [LENDER] is
      notified or otherwise becomes aware of events or factors that are
      expected to cause the borrower's monthly payment to be in default
      within the next 90 days ("imminent default").
    type: do
    audit_question: For every Fannie Mae mortgage loan where [LENDER] is notified or aware of factors expected to cause default within 90 days, can [LENDER] evidence consideration of available workout options consistent with D2-1-01?
    program_review: Does the program ensure available workout options are considered when the servicer is notified/aware of factors expected to cause default within 90 days (imminent default)?
    file_review: For imminent-default flagged loans, confirm consideration of available workout options. The compliance person judges whether the imminent-default factors were properly recognized.
    judgment: true
    feeds: []
    workflow_phase: servicing
    owner_role: loss_mitigation_specialist
    secondary_owner_role: default_servicing_analyst
    cadence: per-event
    consequence: ''
    tags:
      - round-b
      - regulator-direct
      - fnma
      - servicing-guide
      - imminent-default
      - workout
      - promoted
    primary_source:
      tier: 1
      authority: FNMA Servicing Guide D2-1-01
      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: The servicer must consider available workout options when the servicer is notified or otherwise becomes aware of events or factors that are expected to cause the borrower’s monthly payment to be in default within the next 90 days (“imminent default”).
      drafter_attestation: |
        Copied verbatim from FNMA Servicing Guide snapshot cf63a82bbb4adfba (chapter D2-1) at 2026-05-22.
      quote_healed: true
      glyphs_normalized: true
    promoted_at: '2026-05-23T00:25:12+00:00'
    promoted_from: fnma-svc-d2-1-roundb-v1.yaml
  - id: fnma-svc-d2-1-no-solicit-current-borrowers
    canonical_id: fnma-svc-d2-1-no-solicit-current-borrowers
    section: FNMA Servicing Guide D2-1-01 — Evaluating a Borrower Facing Imminent Default
    description: |
      [LENDER] must not solicit borrowers who are current or less than 30
      days delinquent for a workout option.
    type: dont
    audit_question: Can [LENDER] evidence that no workout-option solicitation was sent to any Fannie Mae borrower who was current or less than 30 days delinquent at the time of the solicitation?
    program_review: Does the program ensure no workout-option solicitation is sent to borrowers who are current or less than 30 days delinquent?
    file_review: Review workout solicitations; confirm none went to a borrower current or <30 days delinquent at solicitation.
    judgment: false
    feeds: []
    workflow_phase: servicing
    owner_role: loss_mitigation_specialist
    secondary_owner_role: compliance_officer
    cadence: continuous
    consequence: ''
    tags:
      - round-b
      - regulator-direct
      - fnma
      - servicing-guide
      - solicitation-prohibition
      - workout
      - promoted
    primary_source:
      tier: 1
      authority: FNMA Servicing Guide D2-1-01
      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: The servicer must not solicit borrowers who are current or less than 30 days delinquent for a workout option.
      drafter_attestation: |
        Copied verbatim from FNMA Servicing Guide snapshot cf63a82bbb4adfba (chapter D2-1) at 2026-05-22.
    promoted_at: '2026-05-23T00:25:12+00:00'
    promoted_from: fnma-svc-d2-1-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-d2-1-roundb-v1.yaml
    candidates_promoted: 2
    candidates_skipped_existing: 0

Verbatim regulatory text (2)

Verbatim provisions from FNMA Servicing Guide D2-1 — Working with a Borrower Who is Facing Default — 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 D2-1-01 — Determining if the Borrower's Mortgage Payment is in Imminent Default

The servicer must consider available workout options when the servicer is notified or otherwise becomes aware of events or factors that are expected to cause the borrower’s monthly payment to be in default within the next 90 days (“imminent default”).

Source: FNMA Servicing Guide D2-1-01 · source URL · snapshot cf63a82bbb4adfba

FNMA Servicing Guide D2-1-01 — Evaluating a Borrower Facing Imminent Default

The servicer must not solicit borrowers who are current or less than 30 days delinquent for a workout option.

Source: FNMA Servicing Guide D2-1-01 · source URL · snapshot cf63a82bbb4adfba

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Source of record: https://claudeforcompliance.com/regs/fnma-svc-d2-1/ · register fnma-svc-d2-1 · 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.