source:
  type: regulation
  id: fnma-svc-d2-3
  authority: "FNMA Servicing Guide D2-3 — Fannie Mae's Home Retention and Liquidation Workout Options"
  description: 'Servicing Guide Chapter D2-3 covers the FNMA workout menu and workout-selection governance.

    '
obligations:
- id: fnma-svc-d2-3-no-upfront-cash-contribution
  canonical_id: fnma-svc-d2-3-no-upfront-cash-contribution
  section: "FNMA Servicing Guide D2-3.1-01 — Determining the Appropriate Workout Option"
  description: '[LENDER] must not require the borrower to make an upfront cash

    contribution to be considered for a workout option on a Fannie Mae

    mortgage loan.

    '
  type: dont
  audit_question: Can [LENDER] evidence that no upfront cash contribution was required from any borrower as a condition of being considered for a Fannie Mae workout option?
  workflow_phase: servicing
  owner_role: loss_mitigation_specialist
  secondary_owner_role: compliance_officer
  cadence: per-loss-mit-event
  consequence: ''
  tags:
  - round-b
  - regulator-direct
  - fnma
  - servicing-guide
  - workout-option
  - no-upfront-cash
  - promoted
  primary_source:
    tier: 1
    authority: FNMA Servicing Guide D2-3.1-01
    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 require the borrower to make an upfront cash contribution to be considered for a workout
    drafter_attestation: 'Copied verbatim from FNMA Servicing Guide snapshot cf63a82bbb4adfba (chapter D2-3) at 2026-05-22.

      '
  promoted_at: '2026-05-23T00:25:12+00:00'
  promoted_from: fnma-svc-d2-3-roundb-v1.yaml
  program_review: Does the program ensure no upfront cash contribution is required for a borrower to be considered for a workout option?
  file_review: Review workout evaluations; confirm no upfront cash contribution was required as a condition of consideration.
  judgment: false
- id: fnma-svc-d2-3-no-modify-loan-in-mbs-pool
  canonical_id: fnma-svc-d2-3-no-modify-loan-in-mbs-pool
  section: "FNMA Servicing Guide D2-3.1-02 — Conditions of a First and Second Lien Mortgage Loan Modification for an MBS Mortgage Loan"
  description: '[LENDER] must not modify a mortgage loan while it is in an MBS pool

    (including PFP mortgage loans); performing MBS mortgage loans are

    ineligible for purchase from the related MBS pool for the purpose of

    modifying the mortgage loan term, interest rate, UPB, or other major

    characteristic(s) of the mortgage loan.

    '
  type: dont
  audit_question: Can [LENDER] evidence that no mortgage loan was modified while still in an MBS pool, and that no performing MBS mortgage loan was purchased from its pool for the purpose of modifying its term, rate, UPB, or other major characteristic?
  workflow_phase: servicing
  owner_role: loss_mitigation_specialist
  secondary_owner_role: compliance_officer
  cadence: per-loss-mit-event
  consequence: ''
  tags:
  - round-b
  - regulator-direct
  - fnma
  - servicing-guide
  - mbs-pool
  - modification-prohibition
  - promoted
  primary_source:
    tier: 1
    authority: FNMA Servicing Guide D2-3.1-02
    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 modify a mortgage loan while it is in an MBS pool (including PFP mortgage loans).
    drafter_attestation: 'Copied verbatim from FNMA Servicing Guide snapshot cf63a82bbb4adfba (chapter D2-3) at 2026-05-22.

      '
  promoted_at: '2026-05-23T00:25:12+00:00'
  promoted_from: fnma-svc-d2-3-roundb-v1.yaml
  program_review: Does the program ensure no loan is modified while in an MBS pool (incl. PFP), and no performing MBS loan is purchased from its pool to modify term, rate, UPB, or other major characteristic?
  file_review: For modified MBS loans, confirm removal from the pool before modification, and that no performing MBS loan was pool-purchased for modification.
  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-d2-3-roundb-v1.yaml
  candidates_promoted: 2
  candidates_skipped_existing: 0
