source:
  type: regulation
  id: fnma-svc-a4-2
  authority: "FNMA Servicing Guide A4-2 — Requirements for Delinquent Mortgage Loans and Mortgage Loans at Risk of Default"
  description: 'Servicing Guide Chapter A4-2 establishes the servicer''s default-management requirements, including the Delinquency Management Model and prudent-servicer standard.

    '
obligations:
- id: fnma-svc-a4-2-delinquency-management-model
  canonical_id: fnma-svc-a4-2-delinquency-management-model
  section: "FNMA Servicing Guide A4-2.1-01 — Preventing Defaults and Managing Delinquencies"
  description: '[LENDER] must apply the requirements of a borrower Delinquency Management

    Model that allows a borrower to contact one individual or a dedicated

    team in [LENDER]''s organization to obtain accurate information on the

    various foreclosure prevention alternatives available to the borrower.

    If [LENDER] develops a model for itself or any other investor, [LENDER]

    must apply the requirements of the model to mortgage loans serviced for

    Fannie Mae.

    '
  type: do
  audit_question: Can [LENDER] evidence operation of a Delinquency Management Model providing each delinquent Fannie Mae borrower with single-point-of-contact (individual or dedicated team) access to accurate foreclosure-prevention information consistent with A4-2.1-01?
  workflow_phase: servicing
  owner_role: default_servicing_analyst
  secondary_owner_role: compliance_officer
  cadence: continuous
  consequence: ''
  tags:
  - round-b
  - regulator-direct
  - fnma
  - servicing-guide
  - delinquency-management
  - spoc
  - promoted
  primary_source:
    tier: 1
    authority: FNMA Servicing Guide A4-2.1-01
    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: "Apply the requirements of a borrower Delinquency Management Model that allows a borrower to\ncontact one individual or a dedicated team of individuals in the servicer’s organization to obtain\naccurate information on the various foreclosure prevention alternatives available to the borrower. If\nthe servicer develops a model for itself or any other investor, it must apply the requirements of the\nmodel to mortgage loans serviced for Fannie Mae."
    drafter_attestation: 'Copied verbatim from FNMA Servicing Guide snapshot cf63a82bbb4adfba (chapter A4-2) at 2026-05-22.

      '
  promoted_at: '2026-05-23T00:25:08+00:00'
  promoted_from: fnma-svc-a4-2-roundb-v1.yaml
  program_review: Does the program operate a Delinquency Management Model giving each delinquent FNMA borrower single-point-of-contact (individual or dedicated team) access to accurate foreclosure-prevention information, applied to FNMA loans even if built for another investor?
  file_review: For delinquent loans, review for single-point-of-contact access and accuracy of foreclosure-prevention information; the compliance person judges whether the information was accurate.
  judgment: true
- id: fnma-svc-a4-2-prudent-servicer-standard
  canonical_id: fnma-svc-a4-2-prudent-servicer-standard
  section: "FNMA Servicing Guide A4-2.1-01 — Preventing Defaults and Managing Delinquencies"
  description: '[LENDER] must establish a practice for servicing delinquent mortgage

    loans that follows the accepted standards used by prudent servicers,

    and must employ collection and foreclosure prevention strategies that

    are designed to meet the goal of bringing delinquent mortgage loans

    current in as short a time as possible.

    '
  type: do
  audit_question: Can [LENDER] evidence written collection and foreclosure-prevention strategies aligned to the "prudent servicer" standard and designed to bring delinquent Fannie Mae mortgage loans current as quickly as possible?
  workflow_phase: servicing
  owner_role: default_servicing_analyst
  secondary_owner_role: compliance_officer
  cadence: continuous
  consequence: ''
  tags:
  - round-b
  - regulator-direct
  - fnma
  - servicing-guide
  - prudent-servicer
  - default-management
  - promoted
  primary_source:
    tier: 1
    authority: FNMA Servicing Guide A4-2.1-01
    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: 'Establish a practice for servicing delinquent mortgage loans that follows the accepted standards

      used by prudent servicers.'
    drafter_attestation: 'Copied verbatim from FNMA Servicing Guide snapshot cf63a82bbb4adfba (chapter A4-2) at 2026-05-22.

      '
  promoted_at: '2026-05-23T00:25:08+00:00'
  promoted_from: fnma-svc-a4-2-roundb-v1.yaml
  auditor_minimum_evidence:
    derivation: snapshot_extract
    derivation_source:
      snapshot_id: cf63a82bbb4adfba
      paragraph_quote: "Establish a practice for servicing delinquent mortgage loans that follows the accepted sta"
      page_or_section: "FNMA Servicing Guide A4-2"
      fetched_at: '2026-05-25T14:09:40Z'
    pathway_selection_kind: parallel_satisfaction
    pathways:
    - pathway_id: csh-amep-fnma-svc-a4-2-written-practices
      name: "Written delinquent-servicing practices documented"
      evidence_items:
      - evidence_id: csh-ev-fnma-svc-a4-2-written-policies
        kind: document
        description: "[LENDER]'s written delinquent-servicing P&Ps covering early intervention, loss mitigation evaluation, dual-tracking prevention, foreclosure timeline management — meeting the 'accepted standards' bar."
        retention_rule_ref: fnma-svc-a4-1-01
        examiner_question_ref: "FNMA Servicer Performance Review §A4-2.a"
    - pathway_id: csh-amep-fnma-svc-a4-2-execution-evidence
      name: "Execution evidence — written practices actually applied per-loan"
      evidence_items:
      - evidence_id: csh-ev-fnma-svc-a4-2-loan-level-application
        kind: record
        description: "Loan-level execution evidence (call logs, decision records, timeline adherence reports) demonstrating the written practices were actually applied to FNMA-owned delinquent loans during the audit period."
        retention_rule_ref: fnma-svc-a4-1-01
        examiner_question_ref: "FNMA Servicer Performance Review §A4-2.b"
    pathway_selection_logic: |
      Both pathways required in parallel: A — written practices establish the prudent-servicer standard; B — execution evidence proves the practices are actually applied. Policy-without-practice fails the prudent-servicer test even though documentation exists.
  program_review: Does the program establish delinquency-servicing practices following prudent-servicer standards, with collection and foreclosure-prevention strategies designed to bring loans current as quickly as possible?
  file_review: Review the written collection/foreclosure-prevention strategies; the compliance person judges whether they meet the prudent-servicer standard.
  judgment: true
_promotion_history:
- promoted_at: '2026-05-23T00:25:08+00:00'
  candidate_path: C:\Users\earlc\broker-tools\obligations\_remediation\_round_b_drafts\fnma-svc-a4-2-roundb-v1.yaml
  candidates_promoted: 2
  candidates_skipped_existing: 0
