source:
  type: guide
  id: fhlmc-3101.1
  authority: Freddie Mac Single-Family Seller/Servicer Guide Section 3101.1 — Freddie
    Mac Exclusionary List
  description: Freddie Mac Single-Family Seller/Servicer Guide Section 3101.1 — Freddie
    Mac Exclusionary List.
  coverage_tier: operative
obligations:
- id: fhlmc-3101.1-full
  canonical_id: fhlmc-3101.1-full
  section: Freddie Mac Single-Family Seller/Servicer Guide Section 3101.1 — Freddie
    Mac Exclusionary List
  type: do
  tags:
  - regulator-direct
  - fhlmc
  - freddie-guide
  - corpus-expansion
  - tier-operative
  primary_source:
    tier: 1
    authority: Freddie Mac Single-Family Seller/Servicer Guide Section 3101.1 — Freddie
      Mac Exclusionary List
    source_class: fhlmc-guide
    source_url: https://guide.freddiemac.com/ci-guide
    snapshot_id: 5869ee9e606cd4ae
    fetched_at: '2026-05-23T00:27:40Z'
    content_hash: sha256:9a1b23e5024bb369e7a59d36b3702383c11ace68b5d209fdef791bc8f955c637
    paragraph_quote: '3101.1: Freddie Mac Exclusionary List (02/04/26) This section
      contains requirements related to: ■ Purpose and use of the Exclusionary List
      ■ Seller/Servicer warranties regarding the Exclusionary List ■ Reporting and
      confidentiality obligations ■ Process for placement on the Exclusionary List
      ■ Remedies (a) Purpose and use of the Exclusionary List (i) Purpose of the Exclusionary
      List Freddie Mac maintains the Freddie Mac Exclusionary List (“Exclusionary
      List”) to protect the integrity of its Mortgage purchasing and Servicing functions.
      The names of persons or entities whose conduct presents risks to Freddie Mac,
      as determined by Freddie Mac in its sole discretion, may be placed on the Exclusionary
      List, in which case such persons or entities are prohibited from doing business
      with Freddie Mac in any role described in Section 3101.1(a)(ii) below. (ii)
      Use of the Exclusionary List The Seller/Servicer must use the Exclusionary List
      only for the following purposes: (A) Screen parties involved in the origination
      of the Mortgage Before the sale of each Mortgage to Freddie Mac, the Seller
      must use the Exclusionary List to determine whether, as of the Note Date, a
      person or entity whose name is on the Exclusionary List performed any of the
      following roles in the origination of the Mortgage or the underlying real estate
      transaction: ■ Borrower ■ Property seller Freddie Mac Single-Family Seller/Servicer
      Guide Chapter 3101 As of 12/17/25 Page 3101-2 ■ Loan Originator or Loan Origination
      Company (e.g., loan officers, Third-Party Originators, retail lenders, Mortgage
      Brokers and Correspondents) ■ Real estate agent or real estate company ■ Settlement
      agent or the individual listed as the settlement agent on the Settlement/Closing
      Disclosure Statement ■ Settlement company ■ Appraiser or appraisal company If
      a party whose name is on the Exclusionary List performed any of these roles
      in the origination of a Mortgage or the underlying real estate transaction,
      the Mortgage is not eligible for sale to Freddie Mac. (B) Screen parties involved
      in sales, quality control, loan production, processing, underwriting or Servicing
      functions for Freddie Mac Mortgages The Seller/Servicer must use the Exclusionary
      List to confirm that none of the Seller/Servicer’s own employees engaged in
      any of the following functions with respect to Freddie Mac Mortgages are on
      the Exclusionary List: ■ Sales ■ Quality control ■ Loan production ■ Processing
      ■ Underwriting ■ Servicing This prohibition includes both the Seller/Servicer’s
      own employees and any third party to whom sales, quality control, loan production,
      processing, underwriting or Servicing functions regarding Freddie Mac Mortgages
      are outsourced or assigned. The Seller/Servicer must screen new employees involved
      in the aforementioned activities against the Exclusionary List at the time of
      hiring and at least twice per year thereafter. The Seller/Servicer must confirm
      that any buyer of a short sale property is not on the Exclusionary List. Freddie
      Mac Single-Family Seller/Servicer Guide Chapter 3101 As of 12/17/25 Page 3101-3
      Note: Prohibited roles in sales functions include, without limitation, parties
      involved in the delivery of Freddie Mac Mortgages. Prohibited roles in quality
      control functions include, without limitation, parties involved in reviewing
      eligibility of Freddie Mac Mortgages and reporting adverse findings to Freddie
      Mac. (iii)Access to the Exclusionary List The Exclusionary List is updated at
      least monthly and is available to Seller/Servicers via Freddie Mac Gateway®.
      The Seller/Servicer must use only the most current version of the Exclusionary
      List and must obtain an authorized ID and password to access the Exclusionary
      List. Seller/Servicers may obtain additional information on accessing the Exclusionary
      List by calling Customer Service at 800-FREDDIE or contacting their Freddie
      Mac account representative. (b) Seller/Servicer warranties regarding the Exclusionary
      List (i) Seller warranties regarding the Exclusionary List With respect to each
      Mortgage delivered to Freddie Mac, the Seller represents and warrants that:
      ■ As of the Note Date, no person or entity whose name is listed on the Exclusionary
      List performed a role in the origination of the Mortgage, the sale of the Mortgage
      to Freddie Mac or the underlying real estate transaction (as set forth in Section
      3101.1(a)(ii)(A), above) ■ No person or entity whose name is listed on the Exclusionary
      List performed a role in the sales, quality control, loan production, processing,
      underwriting or Servicing functions (as set forth in Section 3101.1(a)(ii)(B),
      above) for the Mortgage at any time ■ It will maintain sufficient controls,
      and supporting documentation of such, to meet these warranty obligations (ii)
      Waiver of Seller warranties regarding the Exclusionary List Before the Funding
      Date, the Seller may contact Freddie Mac to request review of a Mortgage to
      obtain a waiver of the warranty requirements in Sections 3101.1(b)(i) and 1301.5(c)(i)(8).
      The Seller should make such requests to Freddie Mac as set forth in Section
      1301.5(c)(i). (iii)Servicer warranties regarding the Exclusionary List Freddie
      Mac Single-Family Seller/Servicer Guide Chapter 3101 As of 12/17/25 Page 3101-4
      With respect to each Mortgage serviced on behalf of Freddie Mac, the Servicer
      represents and warrants that: ■ No individual or entity on the Exclusionary
      List will perform a role in any Servicing or quality control functions relating
      to the Mortgage. This warranty applies to both the Servicer’s own employees
      and any third party to whom Servicing or quality control functions regarding
      Freddie Mac Mortgages are outsourced or assigned. ■ The buyer of a short sale
      property is not on the Exclusionary List ■ It will maintain sufficient controls,
      and supporting documentation of such, to meet these warranty obligations (iv)
      Waiver of Servicer warranties regarding the Exclusionary List The Servicer must
      contact Freddie Mac to request a written waiver before performing a function
      or entering into a transaction that would violate the Servicer’s warranties
      set forth in Section 3101.1(b)(iii). The Servicer should make such request to
      the Freddie Mac Exclusionary List mailbox at EList_Confirmation@FreddieMac.com.
      As part of the request, the Servicer must inform Freddie Mac of the nature and
      extent of the role played in the proposed transaction by the person or entity
      whose name is on the Exclusionary List and provide other relevant information
      upon request. If Freddie Mac elects to grant the waiver, Freddie Mac will provide
      to the Servicer written notice of such election, in which case the warranty
      concerning the involvement of an excluded person or entity will not be applicable
      to such transaction. All other requirements of the Purchase Documents relating
      to the Servicing of the Mortgage will remain in full force and effect. Freddie
      Mac’s decision regarding the waiver of any warranties is within its sole discretion.
      (c) Reporting and confidentiality obligations (i) Reporting obligations of the
      Seller/Servicer The Seller/Servicer must immediately report the discovery of
      a possible breach of any warranty in Section 3101.1 to the Freddie Mac Exclusionary
      List mailbox at EList_Confirmation@FreddieMac.com. (ii) Confidentiality and
      use of the Exclusionary List The Exclusionary List and the identities of the
      persons and entities on the Exclusionary List whose names are not publicly available
      are “Freddie Mac confidential information” for the purposes of Section 1201.8.
      Freddie Mac Single-Family Seller/Servicer Guide Chapter 3101 As of 12/17/25
      Page 3101-5 The Seller/Servicer represents and warrants that it will keep the
      Exclusionary List confidential in accordance with the terms and conditions of
      Section 1201.8. The Seller/Servicer may use the Exclusionary List only as required
      in Section 3101.1(a)(ii) and must not use or disclose the Exclusionary List
      for any other purpose without first obtaining Freddie Mac’s written permission.
      The Seller/Servicer will indemnify Freddie Mac for any loss, damage, or expense
      resulting from the Seller/Servicer’s failure to maintain the confidentiality
      of the Exclusionary List or information contained in the Exclusionary List.
      (d) Process for placement on the Exclusionary List Freddie Mac will generally
      provide an individual or entity with written notice of any proposed placement
      of their name on the Exclusionary List, along with an opportunity to submit
      a written response; however, Freddie Mac may determine, in its sole discretion,
      that circumstances require immediate placement of a person’s or entity’s name
      on the Exclusionary List, without prior written notice. Grounds for placement
      on the Exclusionary List include, without limitation: ■ Fraud or possible fraud
      ■ Misrepresentations, misstatements or omissions of facts ■ Theft or misappropriation
      of funds ■ Willful or reckless violation of statutory or regulatory requirements
      ■ Business practices that Freddie Mac determines present risks to Freddie Mac
      ■ Lack of business controls to ensure the integrity of the Mortgages sold to
      or serviced for Freddie Mac ■ Evidence that demonstrates a lack of integrity
      or business competence ■ Any grounds that, in Freddie Mac’s judgment, may adversely
      affect Freddie Mac Freddie Mac, in its sole discretion, will render a final
      decision regarding placement on the Exclusionary List after reviewing any response
      submitted by the proposed individual or entity. (e) Remedies Freddie Mac’s remedies
      for a breach of the warranties, obligations or requirements of the Seller/Servicer
      regarding the Exclusionary List include all remedies available to Freddie Mac
      under the Purchase Documents, including, without limitation, suspension or termination
      of the Seller or Servicer and repurchase of the Mortgage. Freddie Mac Single-Family
      Seller/Servicer Guide Chapter 3101 As of 12/17/25 Page 3101-6 3101.2: FHFA Suspended
      Couterparty Program (12/17/25) This section contains requirements related to:
      ■ Avoiding employing Named Parties ■ Selling or Servicing Mortgages involving
      Named Parties ■ Responsibility to review FHFA’s SCP list FHFA maintains a Suspended
      Counterparty Program (SCP) and requires Freddie Mac to refrain from and/or cease
      conducting business with individuals and entities listed on FHFA’s SCP list
      (“Named Parties”), subject to any conditions or exclusions in the applicable
      Named Party’s final suspension order. (a) Avoiding employing Named Parties Seller/Servicers
      must establish and maintain procedures to ensure Seller/Servicers do not employ
      or contract with Named Parties for any purpose directly related to the origination,
      underwriting, or Servicing of a Freddie Mac Mortgage, subject to any conditions
      or exclusions in the applicable SCP Named Party’s final suspension order. (b)
      Selling or Servicing Mortgages involving Named Parties The Seller must not sell
      to Freddie Mac, and the Servicer must not engage in any Servicing activity in
      connection with, any Mortgage in which a Named Party is a necessary signatory
      on the Note, Security Instrument, modification agreement, deed of sale (e.g.,
      short sale, third- party sale, etc.) or other contract related to such Mortgage,
      subject to any conditions or exclusions in the applicable Named Party’s final
      suspension order. (c) Responsibility to review FHFA’s SCP list Seller/Servicers
      are responsible for reviewing FHFA’s SCP list and related final suspension orders,
      which can be found on FHFA’s website at http://www.fhfa.gov/SupervisionRegulation/LegalDocuments/Pages/SuspendedCounter
      partyProgram.aspx. Freddie Mac Single-Family Seller/Servicer Guide Chapter 3201
      As of 05/06/26 Page 3201-1 Chapter 3201: Fraud Prevention, Detection and Reporting;
      Reporting Other Suspicious Activity 3201.1: Fraud prevention and detection measures
      (05/06/26) The Seller/Servicer must have in place comprehensive practices and
      procedures to prevent and detect fraud throughout each stage of the origination
      and Servicing of a Mortgage and in related real estate transactions. This section
      identifies fraud prevention and detection requirements related to: ■ Employee
      hiring and training ■ Origination and Servicing ■ Seller/Servicer’s in-house
      quality control program ■ Additional fraud mitigation resources Seller/Servicers
      must implement additional practices and procedures, as deemed necessary, to
      ensure that an effective fraud prevention and detection plan is in place. (a)
      Employee hiring and training The Seller/Servicer must have screening and hiring
      practices in place to ensure the integrity of its employees. Employees and any
      entity or individual engaged to handle or perform functions typically handled
      by employees, and in a position to notice or report fraud and suspected fraud,
      must receive training in each applicable area of the Seller/Servicer’s mortgage
      business about: ■ Common and emerging fraud schemes ■ Red flags that may signal
      fraud and the need for more review The Seller/Servicer must communicate its
      procedures (including requirements of this chapter) for prevention, detection
      and reporting of fraud and suspected fraud to its employees and the entities
      and individuals referenced above. Parties engaged to handle or perform functions
      typically performed by employees and in a position to notice or report fraud
      or suspected fraud may include: ■ Contract underwriters Freddie Mac Single-Family
      Seller/Servicer Guide Chapter 3201 As of 05/06/26 Page 3201-2 ■ Contract processing
      services (including loan processors) ■ Contract quality control firms ■ Borrower
      outreach companies ■ Loss mitigation services ■ Collection companies The training
      must include periodic updates at least annually to ensure employees and parties
      referenced above are aware of emerging fraud scenarios. The Seller/Servicer
      must either provide the training directly, hire a third party to provide the
      training, or obtain an annual written verification from the engaged entity or
      individual confirming that training has already been received from another party
      in accordance with the requirements of this section. (b) Origination and Servicing
      The Seller/Servicer must take the following minimum steps to prevent and detect
      fraud in the areas of origination and Servicing: ■ Escalate internally and properly
      investigate information received from any source that indicates suspected fraud.
      Sources can include: • Borrowers • Participants in the Mortgage transaction
      • Participants in the related real estate transactions • Servicing functions
      relating to a Mortgage or REO property • Loss mitigation activities or transactions,
      such as: ■ Forbearance plans ■ Loan modifications ■ Foreclosures ■ Deeds-in-lieu
      of foreclosure Freddie Mac Single-Family Seller/Servicer Guide Chapter 3201
      As of 05/06/26 Page 3201-3 ■ Short sales of the underlying property ■ Investigate
      unusual patterns or discrepancies or other red flags, such as first and early-
      payment defaults ■ Comply with Section 3101.1 regarding screening through the
      Freddie Mac Exclusionary List ■ Comply with all other Guide provisions relating
      to fraud prevention and detection Red flags identified in origination and/or
      Servicing may include, but are not limited to: ■ Origination: ❑ Collateral,
      appraisal and property fraud (e.g., flipping, flopping, over or under valuation,
      property condition) ❑ Misrepresentations (e.g., assets, liabilities/debt, occupancy,
      strawbuyer, employment, income) ❑ Identity theft ❑ Irregularities in the loan
      application or Mortgage documentation (e.g., false documents, forgeries, excessive
      gift funds) ■ Servicing: ❑ Potentially suspicious payment activity (e.g., structured
      cash payments, payments returned due to fraud, curtailments or large payments
      with unknown source of funds, payment kiting) ❑ Loan modification and foreclosure
      fraud (e.g., loan modification rescue schemes, misrepresentation of eligibility
      requirements) ❑ Debt elimination schemes (e.g., false identity theft claims,
      sovereign citizen fraud) ❑ Potentially suspicious or fraudulent payoffs (e.g.,
      early payoffs, potentially suspicious or fraudulent wires, diversion of funds)
      Seller/Servicers must know the parties with whom they do business. ■ Sellers
      must approve, evaluate and monitor Mortgage Brokers, Correspondents, Mortgage
      Service Providers, appraisers, and property data collectors ■ Servicers must
      approve, evaluate and monitor appraisers and any third party to whom Servicing
      functions relating to a Mortgage or REO property are outsourced or assigned,
      Freddie Mac Single-Family Seller/Servicer Guide Chapter 3201 As of 05/06/26
      Page 3201-4 including, but not limited to, any loss mitigation activities or
      transactions such as foreclosures, deeds-in-lieu of foreclosure or short sales
      (c) Seller/Servicer’s in-house quality control program Pre- and post-funding
      quality control reviews are an integral part of fraud prevention and detection
      in the mortgage process. In the event populations of loans are identified that
      have a reason to suspect fraud, discretionary samples must be used to identify
      and report any additional instances of suspected fraud. Seller/Servicers must
      comply with all other Guide provisions relating to quality control reviews,
      including Section 3402.2(a). The Seller/Servicer must periodically (at least
      annually) update its quality control policies and procedures to address emerging
      fraud scenarios. (d) Additional fraud mitigation resources Information on preventing,
      detecting and investigating potential fraud and other suspicious activity is
      available on Freddie Mac’s website at https://sf.freddiemac.com/working-with-
      us/fraud-prevention/overview. For additional information, consult the Freddie
      Mac fraud hotline at 800-4FRAUD8 (800- 437-2838) or the Freddie Mac Exclusionary
      List, which is accessible via Freddie Mac Gateway®. 3201.2: Fraud and other
      Suspicious Activity reporting requirements (05/06/26) This section contains
      requirements related to: ■ Procedures for detecting, identifying and reporting
      fraud, suspected fraud and Suspicious Activity ■ Requirement to report fraud,
      suspected fraud and Suspicious Activity ■ Required reporting timelines ■ Use
      of the Tip Referral Tool ■ Fraud types and trends The Seller/Servicer must take
      measures to ensure that Mortgages sold to, or serviced for, Freddie Mac are
      free from any fraud, suspected fraud, Suspicious Activity, potential Suspicious
      Activity, Freddie Mac Single-Family Seller/Servicer Guide Chapter 3201 As of
      05/06/26 Page 3201-5 misrepresentation, misstatement or omission, and the Seller/Servicer
      must report impacted Mortgage(s) in accordance with the requirements outlined
      in this section. Mortgages involving any misstatement, misrepresentation or
      omission by the Borrower or any other party in the Mortgage and/or real estate
      transaction are not eligible for sale to Freddie Mac. (a) Procedures for detecting,
      identifying and reporting fraud, suspected fraud and Suspicious Activity The
      Seller/Servicer must have a documented program with procedures for detecting,
      identifying and reporting fraud, suspected fraud and other Suspicious Activity
      in connection with a Mortgage sold to, or serviced for, Freddie Mac and discovered
      at any time, including, but not limited to, during origination, quality control
      reviews, Servicing activities or loss mitigation efforts. Before reporting to
      Freddie Mac, a Seller/Servicer must perform due diligence to establish whether
      there is a reasonable basis to believe that fraud, suspected fraud or Suspicious
      Activity may have occurred. (b) Requirement to report fraud, suspected fraud
      and Suspicious Activity The Seller/Servicer must report to Freddie Mac when
      the Seller/Servicer has a reasonable belief that one of the following is occurring
      or has occurred during the origination, sale or Servicing of a Mortgage (including,
      but not limited to, any loss mitigation activity) regardless of whether (i)
      it had an impact on the eligibility of the Mortgage for sale to Freddie Mac
      or (ii) there was a breach of the Guide: ■ Any misrepresentation, misstatement
      or omission related to the Mortgage, the Borrower, the Mortgaged Premises or
      underlying real estate transaction ■ Involvement of a person or entity on the
      Freddie Mac Exclusionary List is involved or was involved in the origination,
      sale or Servicing of the Mortgage or the underlying real estate transaction
      in violation of Section 3101.1. (Note: For reporting the discovery of any possible
      breach of warranties regarding the Exclusionary List, refer to instructions
      in Section 3101.1(c)(i).) ■ Involvement of a person or entity on the FHFA Suspended
      Counterparty Program list in the origination, sale or Servicing of the Mortgage
      or the related real estate transactions in violation of Section 3101.2 ■ Termination
      or denial of mortgage insurance based on fraud (c) Required reporting timelines
      Freddie Mac Single-Family Seller/Servicer Guide Chapter 3201 As of 05/06/26
      Page 3201-6 The Seller/Servicer must report any reportable activity as defined
      in Section 3201.2(a) through Freddie Mac’s Tip Referral Tool, accessible via
      Freddie Mac Gateway, within the time frames outlined in the table below. Required
      reporting timelines Required time frame for reporting Discovery of reportable
      activity Within 30 days ■ Reportable activity discovered during a quality control
      review: The Seller/Servicer must notify Freddie Mac within 30 days after the
      date the quality control results are reported in writing to the Seller/Servicer’s
      Senior Management, in accordance with the reporting requirements in Section
      3402.3(b) ■ Reportable activity discovered through any means other than a quality
      control review: The Seller/Servicer must notify Freddie Mac within 30 days after
      discovery Immediate (within one Business Day) In addition to the above 30-day
      reporting requirements, the Seller/Servicer must notify Freddie Mac within one
      Business Day after: ■ Becoming aware of theft of custodial funds, lack of collateral,
      non-remittance of pay-off funds or multiple deliveries of the same Mortgage
      ■ Determining there is a substantial likelihood that the fraud, suspected fraud
      or other Suspicious Activity will receive significant public exposure or publicity
      ■ Receiving notification of the entry of a civil judgment, guilty plea or criminal
      conviction indicating lack of integrity and relating to a participant in a Mortgage
      or the underlying real estate transaction or relating to a board member, officer,
      employee or contractor of the Seller/Servicer ■ Receiving notification from
      law enforcement or another governmental authority that such authority is conducting
      an investigation or prosecution of fraud relating to Mortgages owned by, or
      serviced for, Freddie Mac or relating to a board member, officer, employee or
      contractor of the Seller/Servicer ■ Identifying a possible fraud scheme or pattern
      of Suspicious Activity involving (i) more than five Mortgages sold to, or serviced
      for, Freddie Mac or (ii) Mortgages sold Freddie Mac Single-Family Seller/Servicer
      Guide Chapter 3201 As of 05/06/26 Page 3201-7 Required reporting timelines Required
      time frame for reporting Discovery of reportable activity to, or serviced for,
      Freddie Mac with an aggregate UPB of at least $1 million ■ Identifying actual
      or possible terrorist financing or ongoing or possible money laundering schemes
      or activity Seller/Servicers are not required to, and must not, disclose to
      Freddie Mac any Financial Crimes Enforcement Network Suspicious Activity Reports
      (SARs) or draft SARs, documents or information revealing the existence of a
      SAR or indicating whether a SAR has been filed, or where disclosure of Suspicious
      Activity would otherwise be prohibited by law. (d) Use of the Tip Referral Tool
      Seller/Servicers must report all Mortgage fraud, suspected Mortgage fraud and
      other Suspicious Activity using the Tip Referral Tool. Referrals made through
      the Tip Referral Tool must include: ■ Freddie Mac loan number ■ Property address
      ■ Mortgage fraud/Suspicious Activity type and category ■ Parties involved ■
      Supporting documentation ■ A detailed narrative description of the activity,
      including why it has been deemed suspicious or fraudulent. (Seller/Servicers
      should not include protected personal information, such as Social Security numbers,
      in the narrative description.) ■ Any other required information as identified
      in the Tip Referral Tool (e) Fraud types and trends In connection with the Seller/Servicer’s
      fraud tracking procedures required in Section 3201.3(b), the Seller/Servicer
      must maintain and, upon request, provide Freddie Mac with aggregated records
      and reporting detailing fraud types and trends, including the number of fraud
      cases and positive Exclusionary List hits. Freddie Mac Single-Family Seller/Servicer
      Guide Chapter 3201 As of 05/06/26 Page 3201-8 3201.3: Fraud cooperation and
      additional requirements (12/17/25) This section contains requirements related
      to: ■ Fraud cooperation ■ Additional fraud (a) Fraud cooperation The Seller/Servicer
      must cooperate with Freddie Mac to prevent and investigate fraud and other Suspicious
      Activity. Cooperation includes making available to Freddie Mac individuals with
      relevant knowledge and providing to Freddie Mac and, when permitted by law,
      assisting Freddie Mac in obtaining all information, documentation and records
      requested by Freddie Mac relating to a Mortgage and related real estate transactions,
      including, but not limited to: ■ Closing or settlement agent files ■ Mortgage
      files ■ Borrower payment records ■ Reverifications of employment, income, occupancy
      and assets ■ Any internal or external communications The Seller/Servicer must
      provide all information requested by Freddie Mac within 14 days after receiving
      the request. (b) Additional fraud Seller/Servicers are reminded of their continuing
      obligation to comply with all applicable federal, State and local laws, including
      those relating to fraud and anti-money laundering (see Section 1301.2). Seller/Servicers
      must have in place written procedures for preventing, detecting and reporting
      fraud, and detecting and reporting Suspicious Activity, including the requirements
      of this chapter, and must make these procedures available to Freddie Mac upon
      request. Seller/Servicers must implement fraud risk management processes and
      controls, which may include screening software/tools and monitoring. Procedures
      must be in place to identify and track fraud trends, volume of potential fraud
      (such as number of fraud incidents and Exclusionary List hits) and Suspicious
      Activity and fraud alert review and resolution. Freddie Mac Single-Family Seller/Servicer
      Guide Chapter 3301 As of 12/17/25 Page 3301-1 Chapter 3301: Mortgage File Contents'
  judgment: false
