source:
  type: regulation
  id: fnma-svc-d1-1
  authority: "FNMA Servicing Guide D1-1 — Requests for the Release of Property and/or Charge-Off of a Mortgage Loan"
  description: 'Servicing Guide Chapter D1-1 governs borrower requests for release/partial release of property securing a Fannie Mae mortgage loan.

    '
obligations:
- id: fnma-svc-d1-1-form-236-required-for-release-request
  canonical_id: fnma-svc-d1-1-form-236-required-for-release-request
  section: "FNMA Servicing Guide D1-1-01 — Evaluating a Request for the Release, or Partial Release, of Property Securing a Mortgage Loan"
  description: 'To request a review for a release, or partial release, of property

    securing a Fannie Mae mortgage loan, the borrower must submit an

    Application for Release of Security (Form 236) to [LENDER]. An

    application is considered complete when all required documentation and

    information, as outlined within the Servicing Guide and Form 236, has

    been obtained. When [LENDER] receives a complete application, [LENDER]

    must counsel the borrower to consider the costs and benefits of any

    action covered by this policy prior to evaluating the request and must

    then evaluate each request in accordance with the Guide.

    '
  type: do
  audit_question: For every borrower request to release or partially release property securing a Fannie Mae mortgage loan, can [LENDER] evidence receipt of a complete Form 236, pre-evaluation borrower counseling on costs/benefits, and Guide-conforming evaluation?
  workflow_phase: servicing
  owner_role: default_servicing_analyst
  secondary_owner_role: compliance_officer
  cadence: per-event
  consequence: ''
  tags:
  - round-b
  - regulator-direct
  - fnma
  - servicing-guide
  - release-of-security
  - form-236
  - promoted
  primary_source:
    tier: 1
    authority: FNMA Servicing Guide D1-1-01
    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: To request a review for a release, or partial release, of property securing a mortgage loan, the borrower must
    drafter_attestation: 'Copied verbatim from FNMA Servicing Guide snapshot cf63a82bbb4adfba (chapter D1-1) at 2026-05-22.

      '
  promoted_at: '2026-05-23T00:25:11+00:00'
  promoted_from: fnma-svc-d1-1-roundb-v1.yaml
  program_review: Does the program ensure a release/partial-release request runs on a complete Form 236, with pre-evaluation borrower counseling on costs/benefits and a Guide-conforming evaluation?
  file_review: For release-of-security requests, confirm a complete Form 236, documented cost/benefit counseling, and Guide-conforming evaluation.
  judgment: false
  feeds:
  - fnma-svc-d1-1-texas-50-a-6-escalation
- id: fnma-svc-d1-1-texas-50-a-6-escalation
  canonical_id: fnma-svc-d1-1-texas-50-a-6-escalation
  section: "FNMA Servicing Guide D1-1-01 — Evaluating a Request for the Release, or Partial Release, of Property Securing a Mortgage Loan"
  description: 'With the exception of eminent domain actions that fall within the

    policies in the Servicing Guide, all requests related to Texas Section

    50(a)(6) loans must be escalated to Fannie Mae for review and

    decisioning; [LENDER] must submit the complete application and all

    required documentation to Fannie Mae''s SF CPM division.

    '
  type: do
  audit_question: For every borrower release-of-security request on a Texas Section 50(a)(6) Fannie Mae mortgage loan (other than an eminent domain action covered by the Guide), can [LENDER] evidence escalation to Fannie Mae's SF CPM division for non-delegated review?
  workflow_phase: servicing
  owner_role: default_servicing_analyst
  secondary_owner_role: compliance_officer
  cadence: per-event
  consequence: ''
  tags:
  - round-b
  - regulator-direct
  - fnma
  - servicing-guide
  - texas-50a6
  - escalation
  - promoted
  primary_source:
    tier: 1
    authority: FNMA Servicing Guide D1-1-01
    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: that extenuating circumstances exist, the servicer must submit the request to Fannie Mae for a non-delegated
    drafter_attestation: 'Copied verbatim from FNMA Servicing Guide snapshot cf63a82bbb4adfba (chapter D1-1) at 2026-05-22.

      '
  promoted_at: '2026-05-23T00:25:11+00:00'
  promoted_from: fnma-svc-d1-1-roundb-v1.yaml
  program_review: Does the program account for the Texas 50(a)(6) carve-out — escalating all such release requests (other than Guide-covered eminent domain) to FNMA's SF CPM division as non-delegated, with the complete application submitted?
  file_review: For Texas 50(a)(6) release requests (non-eminent-domain), confirm escalation to FNMA SF CPM with the complete application.
  judgment: false
_promotion_history:
- promoted_at: '2026-05-23T00:25:11+00:00'
  candidate_path: C:\Users\earlc\broker-tools\obligations\_remediation\_round_b_drafts\fnma-svc-d1-1-roundb-v1.yaml
  candidates_promoted: 2
  candidates_skipped_existing: 0
