source:
  type: regulation
  id: fhlmc-bulletin-2026-c
  authority: Freddie Mac Single-Family Seller/Servicer Guide Bulletin 2026-C (Servicing)
  status: in-force
  description: 'Freddie Mac Bulletin 2026-C (Servicing), effective January 1, 2027 (early implementation encouraged): updated minimum insurance monitoring requirements and acceptable evidence of insurance. Snapshot mirrors the official Freddie PDF.'
obligations:
- id: fhlmc-bulletin-2026-c-insurance-monitoring
  canonical_id: fhlmc-bulletin-2026-c-insurance-monitoring
  section: Freddie 2026-C — minimum insurance monitoring requirements, effective Jan 1, 2027
  description: Freddie Mac updated its minimum insurance monitoring requirements for each Freddie Mac-owned mortgage it services, effective January 1, 2027.
  type: do
  audit_question: Has [SVCR] mapped the updated minimum insurance monitoring requirements (Freddie Bulletin 2026-C, effective Jan 1, 2027) into its servicing program?
  workflow_phase: compliance
  owner_role: default_servicing_director
  secondary_owner_role: cco
  cadence: per-bulletin
  consequence: Missing a GSE bulletin change risks repurchase, servicing penalties, or non-compliance findings.
  tags:
  - fhlmc
  - bulletin-2026-c
  - insurance
  - servicing
  - effective-2027-01-01
  - promoted
  primary_source:
    tier: 1
    authority: Freddie Mac Single-Family Seller/Servicer Guide Bulletin 2026-C (Servicing)
    source_class: gse-bulletin
    source_url: https://www.tenaco.com/wp-content/uploads/2026/03/Freddie-Mac-Guide-Bulletin-2026-C-03-18-26.pdf
    snapshot_id: 3c09ca588b360d28
    fetched_at: '2026-06-08T00:00:00Z'
    content_hash: sha256:placeholder-snapshot-content-hash-from-source-json
    paragraph_quote: 'We are updating our minimum insurance monitoring requirements. For each Freddie Mac-owned Mortgage it services, the Servicer must:'
    drafter_attestation: Verbatim from Freddie Bulletin 2026-C snapshot. Minimum insurance monitoring update.
  program_review: Does the program account for the updated minimum insurance monitoring requirements effective Jan 1, 2027?
  file_review: Confirm insurance-monitoring procedures meet the updated minimums.
  judgment: false
