FNMA Servicing Guide E-5 — Requesting Reimbursement for Expenses Associated with Default-Related Legal Matters

Name: FNMA Servicing Guide E-5 — Requesting Reimbursement for Expenses Associated with Default-Related Legal Matters — machine-readable register
Creator: Claude for Compliance
License: https://creativecommons.org/licenses/by-nd/4.0/

fnma-svc-e-5

Servicing Guide Chapter E-5 governs servicer requests for default-legal expense reimbursement.

This register: .xlsx .csv

source:
  type: regulation
  id: fnma-svc-e-5
  authority: FNMA Servicing Guide E-5 — Requesting Reimbursement for Expenses Associated with Default-Related Legal Matters
  description: Servicing Guide Chapter E-5 governs servicer requests for default-legal expense reimbursement.
obligations:
  - id: fnma-svc-e-5-60-day-final-reimbursement-request
    canonical_id: fnma-svc-e-5-60-day-final-reimbursement-request
    section: FNMA Servicing Guide E-5-01 — Requesting Reimbursement for Expenses
    description: |
      When multiple requests for reimbursement are submitted in connection
      with the same mortgage loan, [LENDER] must submit its final request
      for expense reimbursement for expenses incurred during the disposition
      process within 60 days of the applicable milestone. If [LENDER]
      submits a request for reimbursement of advances after the date Fannie
      Mae specifies for the submission of the final request for expense
      reimbursement, Fannie Mae will deny the request.
    type: do
    audit_question: For every Fannie Mae mortgage loan with default-related expense reimbursement requests, can [LENDER] evidence the final reimbursement request submitted within 60 days of the applicable milestone (workout completion, third-party sale, reinstatement/payoff, REO disposition, or final FHA/VA/RD claim proceeds)?
    program_review: Does the program ensure the final expense-reimbursement request is submitted within 60 days of the applicable milestone (since post-deadline requests are denied)?
    file_review: For loans with reimbursement requests, confirm the final request was submitted within 60 days of the applicable milestone.
    judgment: false
    feeds: []
    workflow_phase: servicing
    owner_role: bankruptcy_specialist
    secondary_owner_role: foreclosure_specialist
    cadence: per-event
    consequence: ''
    tags:
      - round-b
      - regulator-direct
      - fnma
      - servicing-guide
      - expense-reimbursement
      - 60-day
      - promoted
    primary_source:
      tier: 1
      authority: FNMA Servicing Guide E-5-01
      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'
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      paragraph_quote: the servicer must submit its final request for expense reimbursement for expenses incurred during the disposition process within 60 days of the applicable milestone.
      drafter_attestation: |
        Copied verbatim from FNMA Servicing Guide snapshot cf63a82bbb4adfba (chapter E-5) at 2026-05-22.
      quote_healed: true
      glyphs_normalized: true
    promoted_at: '2026-05-23T00:25:13+00:00'
    promoted_from: fnma-svc-e-5-roundb-v1.yaml
  - id: fnma-svc-e-5-attorney-fees-actual-reasonable-necessary
    canonical_id: fnma-svc-e-5-attorney-fees-actual-reasonable-necessary
    section: FNMA Servicing Guide E-5-02 — Servicer Responsibilities Prior to Requesting Reimbursement of Attorney Fees and Costs
    description: |
      Before requesting reimbursement of attorney fees and costs on a Fannie
      Mae mortgage loan, [LENDER] must review and approve the attorney fees
      and costs to ensure they comply with Fannie Mae guidelines, including
      the requirement that all costs be actual, reasonable, and necessary.
    type: do
    audit_question: For every reimbursement request for default-related attorney fees and costs on a Fannie Mae mortgage loan, can [LENDER] evidence a pre-submission review and approval confirming the fees and costs are actual, reasonable, and necessary in conformance with Fannie Mae guidelines?
    program_review: Does the program ensure attorney fees/costs are reviewed and approved before reimbursement requests to confirm they are actual, reasonable, and necessary per FNMA guidelines?
    file_review: For attorney-fee reimbursement requests, confirm a pre-submission review; the compliance person judges whether the fees/costs were actual, reasonable, and necessary.
    judgment: true
    feeds: []
    workflow_phase: servicing
    owner_role: bankruptcy_specialist
    secondary_owner_role: foreclosure_specialist
    cadence: per-event
    consequence: ''
    tags:
      - round-b
      - regulator-direct
      - fnma
      - servicing-guide
      - attorney-fees
      - actual-reasonable-necessary
      - promoted
    primary_source:
      tier: 1
      authority: FNMA Servicing Guide E-5-02
      source_class: fnma-guide
      source_url: https://singlefamily.fanniemae.com/media/document/pdf/servicing-guide
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      paragraph_quote: Review and approve the attorney fees and costs to ensure they comply with Fannie Mae guidelines, including the requirement that all costs be actual, reasonable, and necessary.
      drafter_attestation: |
        Copied verbatim from FNMA Servicing Guide snapshot cf63a82bbb4adfba (chapter E-5) at 2026-05-22.
      quote_healed: true
    promoted_at: '2026-05-23T00:25:13+00:00'
    promoted_from: fnma-svc-e-5-roundb-v1.yaml
  - id: fnma-svc-e-5-intro
    canonical_id: fnma-svc-e-5-intro
    section: Fannie Mae Servicing Guide Chapter E-5 — Requesting Reimbursement for Expenses Associated with Default-Related Legal Matters (introduction)
    description: ''
    type: do
    audit_question: ''
    program_review: ''
    file_review: ''
    judgment: false
    feeds: []
    workflow_phase: ''
    owner_role: ''
    secondary_owner_role: ''
    cadence: ''
    consequence: ''
    tags:
      - regulator-direct
      - fnma
      - servicing-guide
      - section-split
    primary_source:
      tier: 1
      authority: Fannie Mae Servicing Guide Chapter E-5 — Requesting Reimbursement for Expenses Associated with Default-Related Legal Matters (introduction)
      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: Chapter E-5, Requesting Reimbursement for Expenses Associated with Default-Related Legal Matters Introduction This chapter describes requesting reimbursement for default-related expenses.
      drafter_attestation: 'Verbatim from the Servicing Guide snapshot cf63a82bbb4adfba: the text under the header ''E-5'' up to the next header, cut by scripts/fnma_guide.py segments and substring-verified (raw) on 2026-09-26.'
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    candidate_path: C:\Users\earlc\broker-tools\obligations\_remediation\_round_b_drafts\fnma-svc-e-5-roundb-v1.yaml
    candidates_promoted: 2
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Verbatim regulatory text (3)

Verbatim provisions from FNMA Servicing Guide E-5 — Requesting Reimbursement for Expenses Associated with Default-Related Legal Matters — 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 E-5-01 — Requesting Reimbursement for Expenses

the servicer must submit its final request for expense reimbursement for expenses incurred during the disposition process within 60 days of the applicable milestone.

Source: FNMA Servicing Guide E-5-01 · source URL · snapshot cf63a82bbb4adfba

FNMA Servicing Guide E-5-02 — Servicer Responsibilities Prior to Requesting Reimbursement of Attorney Fees and Costs

Review and approve the attorney fees and costs to ensure they comply with Fannie Mae guidelines, including the requirement that all costs be actual, reasonable, and necessary.

Source: FNMA Servicing Guide E-5-02 · source URL · snapshot cf63a82bbb4adfba

Fannie Mae Servicing Guide Chapter E-5 — Requesting Reimbursement for Expenses Associated with Default-Related Legal Matters (introduction)

Chapter E-5, Requesting Reimbursement for Expenses Associated with Default-Related Legal Matters Introduction This chapter describes requesting reimbursement for default-related expenses.

Source: Fannie Mae Servicing Guide Chapter E-5 — Requesting Reimbursement for Expenses Associated with Default-Related Legal Matters (introduction) · source URL · snapshot cf63a82bbb4adfba

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