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?
  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"
    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
  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
- 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?
  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
  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
_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
