source:
  type: guide
  id: fnma-svc-f-1-20
  authority: Fannie Mae Servicing Guide F-1-20 — Remitting and Accounting to Fannie
    Mae
  description: Fannie Mae Servicing Guide F-1-20 — Remitting and Accounting to Fannie
    Mae.
  coverage_tier: operative
obligations:
- id: fnma-svc-f-1-20-full
  canonical_id: fnma-svc-f-1-20-full
  section: Fannie Mae Servicing Guide F-1-20 — Remitting and Accounting to Fannie
    Mae
  type: do
  tags:
  - regulator-direct
  - fnma
  - servicing-guide
  - corpus-expansion
  - tier-operative
  primary_source:
    tier: 1
    authority: Fannie Mae Servicing Guide F-1-20 — Remitting and Accounting to Fannie
      Mae
    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: 'F-1-20, Remitting and Accounting to Fannie Mae (03/11/2026)
      Introduction This Servicing Guide Procedure contains the following: Remitting
      a P&I Payment to Fannie Mae for a Summary Reporting Actual/Actual Mortgage Loan
      Remitting a P&I Payment to Fannie Mae for a Detailed Reporting Actual/Actual
      Mortgage Loan Remitting a P&I Payment to Fannie Mae for a Scheduled/Actual Mortgage
      Loan Remitting a P&I Payment to Fannie Mae for a Scheduled/Scheduled Mortgage
      Loan Remitting through the CRS Remitting a Special Remittance Remitting Short
      Sale Proceeds Remitting MBS Guaranty Fees and Charges Remitting Other Fees and
      Charges Remitting Payoﬀ Proceeds Remitting Third-Party Sales Proceeds to Fannie
      Mae Published May 13, 2026 637 Remitting a Settlement Received for a Mortgage
      Loan Determining the Payoﬀ Date for a Scheduled/Scheduled Mortgage Loan Remitting
      a P&I Payment to Fannie Mae for a Summary Reporting Actual/Actual Mortgage Loan
      The servicer must report its remittances for summary reporting actual/actual
      remittance type mortgage loans to Fannie Mae in the CRS in accordance with C-3-01,
      Responsibilities Related to Remitting P&I Funds to Fannie Mae. The servicer
      must report its remittances to Fannie Mae via CRS whenever the total amount
      collected is greater than $2,500 after the servicer deducts its servicing fees,
      at least once a month if the total amount collected was less than $2,500 after
      the servicer deducts its servicing fees, and/or on the ﬁrst work day of each
      month if there were any collections on the last work day in the preceding month
      that were not remitted because they were received after the 4 p.m. ET deadline
      for electronically transmitting remittance transactions to Fannie Mae. The following
      table outlines requirements if the servicer does not receive its collection
      activity reports in time to ensure that accumulated collections can be remitted
      to Fannie Mae in accordance with Fannie Mae’s required schedule. ✓ The servicer
      must... Make a reasonable estimate of the funds due. Base its remittance transmission
      on that estimate. The servicer must calculate its estimate by using either its
      preceding remittance transmission amount, or management reports that show its
      past average remittance for that particular day of the month. When the actual
      collection report is available, the servicer must adjust its remittance by immediately
      remitting any additional funds that are due, or reducing its next remittance
      transmission by the over-remitted amount. Note: The detailed reporting actual/actual
      mortgage loans do not follow the same remittance guidelines as the summary reporting
      actual/actual remittances. For details, also see Remitting P&I Payments to Fannie
      Mae for Detailed Reporting, Actual/Actual Mortgage Loans. Remitting a P&I Payment
      to Fannie Mae for a Detailed Reporting Actual/Actual Published May 13, 2026
      638 Mortgage Loan The following table provides instructions for detailed reporting
      for actual/actual mortgage loans in accordance with C-3-01, Responsibilities
      Related to Remitting P&I Funds to Fannie Mae. ✓ The servicer must... Report
      any activity daily, as received. Any activity reported automatically initiates
      a draft of the remittance amount from the servicer’s custodial account within
      48 hours. Report mortgage loan activity to Fannie Mae through Fannie Mae''s
      investor reporting system as transactions occur. Transactions may include P&I
      payments, principal curtailments, payoﬀs, etc. Remitting a P&I Payment to Fannie
      Mae for a Scheduled/Actual Mortgage Loan The servicer must make all P&I payments
      due to Fannie Mae for scheduled/actual remittance type mortgage loans available
      for drafting on the 20th calendar day of each month (or the preceding business
      day if the 20th is not a business day), in accordance with C-3-01, Responsibilities
      Related to Remitting P&I Funds to Fannie Mae. Funds drafted will be based on
      all mortgage loan activity reported for the prior month. Note: To assist the
      servicer in ensuring it will have suﬃcient funds in its drafting account, Fannie
      Mae will provide the electronic draft notice on its website by the third business
      day of each month. Remitting a P&I Payment to Fannie Mae for a Scheduled/Scheduled
      Mortgage Loan The servicer of a scheduled/scheduled mortgage loan must remit
      scheduled P&I to Fannie Mae in accordance with C-3-01, Responsibilities Related
      to Remitting P&I Funds to Fannie Mae. Remittance Requirements The procedure
      for remitting required P&I payments for scheduled/scheduled remittance type
      mortgage loans diﬀers based on the type of mortgage loan (portfolio or MBS).
      The following table provides remitting instructions for scheduled/scheduled
      remittance type mortgage loans. Mortgage Loan Type The servicer must... Portfolio
      mortgage loan Make all funds due to Fannie Mae available for drafting by the
      18th calendar day of the month (or the preceding business day if the 18th is
      not a business day). Note: To assist the servicer in ensuring it will have suﬃcient
      funds in its drafting account, Fannie Mae will provide the electronic draft
      notice on its website by the third business day of each month. Published May
      13, 2026 639 Mortgage Loan Type The servicer must... MBS mortgage loan Determine
      the date by which funds must be available for drafting by Fannie Mae based on
      which remittance cycle (and, in some instances, on which remittance date) the
      servicer selected when it created the MBS pool. Note: To assist the servicer
      in ensuring it will have suﬃcient funds in its drafting account, Fannie Mae
      will provide the electronic draft notice on its website by the third business
      day of each month. For MBS mortgage loans, the procedure diﬀers based on the
      type of remittance cycle (standard, RPM, or MBS Express). The following table
      provides remittance requirements based on the remittance cycle speciﬁc to MBS
      mortgage loans. Remittance Cycle Remittance Requirements Standard Funds must
      be available for drafting on the 18th calendar day of the month (or the preceding
      business day if the 18th is not a business day). • For pools that have a sixth
      day of the month designated remittance date, the funds must be available for
      drafting on the ﬁfth day of the month. • For pools that have other designated
      remittance dates, the funds must be available for drafting on the designated
      remittance date (or the preceding business day if the designated remittance
      date is not a business day). RPM Funds must be available for drafting on the
      designated remittance date. MBS Express Funds must be available for drafting
      on two diﬀerent dates depending on the type of funds being remitted. • Remittances
      related to unscheduled principal (payoﬀs, curtailments, repurchases, and other
      removals) must be in the servicer’s designated draft account in time for Fannie
      Mae to draft them on the fourth business day of the month after they were collected.
      • Remittances related to scheduled P&I must be in the servicer’s designated
      draft account in time for Fannie Mae to draft them on the 18th calendar day
      of the month (or the preceding business day if the 18th is not a business day).
      Published May 13, 2026 640 Stop Delinquency Advance Process When a special servicing
      option portfolio or MBS mortgage loan with a scheduled/scheduled remittance
      type becomes four consecutive months delinquent, Fannie Mae will place it in
      the Stop Delinquency Advance process and suspend drafting delinquency advances
      from the servicer’s custodial account. While the mortgage loan is in the Stop
      Delinquency Advance process, the servicer must continue to: report mortgage
      loan activity to Fannie Mae; and advance excess servicing fees, as applicable.
      If the servicer collects one or more full contractual payments while the mortgage
      loan remains in the Stop Delinquency Advance process, Fannie Mae will draft
      these funds and ﬁrst apply them to recover advances made by Fannie Mae on behalf
      of the servicer. Once Fannie Mae has recovered all its advances, the servicer
      may then retain subsequent contractual payments to recover delinquent P&I advances
      it has made. Fannie Mae will remove a mortgage loan from the Stop Delinquency
      Advance process under certain events, including those set forth in the following
      table. The table also summarizes additional servicer responsibilities, and the
      actions Fannie Mae will take, depending on how the mortgage loan exits the process.
      If... Then... The mortgage loan is removed from the trust and reclassiﬁed as
      an actual/actual remittance type mortgage loan (including for a pending mortgage
      loan modiﬁcation) • The servicer is no longer required to advance P&I. • Fannie
      Mae will reimburse the servicer for any outstanding delinquency advances. The
      mortgage loan becomes current (including when the borrower completes an applicable
      home retention workout option) • The servicer must resume remitting scheduled
      P&I to Fannie Mae. • Fannie Mae will draft P&I from the servicer’s custodial
      account each month, beginning with the applicable draft date for P&I due for
      the month in which the mortgage loan became current. • If the mortgage loan
      was brought current through a completed payment deferral (or when a mortgage
      loan modiﬁcation is completed for a portfolio mortgage loan or a PFP mortgage
      loan that remains a scheduled/scheduled remittance type after removal from the
      MBS pool), Fannie Mae will reimburse the servicer for any delinquency advances
      up to that point. The mortgage loan is paid oﬀ or repurchased Fannie Mae will
      draft the servicer’s custodial account for any outstanding P&I. Published May
      13, 2026 641 If... Then... The mortgage loan is liquidated (such as through
      foreclosure, short sale, or Mortgage Release) Fannie Mae will reimburse the
      servicer for any outstanding delinquency advances. Remitting through the CRS
      The CRS relies on remittance codes, which are unique to speciﬁc transactions,
      to identify monies related to the individual remittances the servicer reports.
      (See Fannie Mae''s CRS User Guide for a list of these codes.) Each remittance
      type code must be linked to a single drafting account. This account can be either
      the P&I custodial account for the applicable remittance type or a consolidated
      account the servicer uses for MBS P&I or for all other remittance types. In
      the CRS, the servicer must provide bank instructions to Fannie Mae by 8 p.m.
      ET, one day prior to the eﬀective date and remit the draft amount at any time
      up until Fannie Mae’s cut-oﬀ time at 4 p.m. ET. The servicer is authorized to
      change the information for individual drafts at any time prior to its transmission
      of the information to Fannie Mae. After bank instructions and remittance amount
      are provided to Fannie Mae, Fannie Mae will then draft the servicer’s designated
      account using the ACH system. The following table summarizes the reporting requirements
      the servicer must use when remitting funds in CRS for mortgage loans with an
      actual/actual remittance type, in accordance with C-3-01, Responsibilities Related
      to Remitting P&I Funds to Fannie Mae. If the servicer must report via... Then
      the servicer must report remittances... Summary reporting When collections are
      enough to require the funds to be remitted to Fannie Mae. Fannie Mae will draft
      the related funds from the servicer’s designated drafting account on the following
      business day. Detailed reporting Daily, as received. This initiates a draft
      of the remittance amount from the servicer’s custodial account on the next business
      day after loan activity is reported. Note: For additional information on compensatory
      fees that may be assessed for late remittances, also see A1-4.2-01, Compensatory
      Fees Other Than Delays in the Liquidation Process. Remitting a Special Remittance
      The servicer must report special remittances for all mortgage loans it services
      to Fannie Mae via CRS, in accordance with C-3-01, Responsibilities Related to
      Remitting P&I Funds to Fannie Mae. Published May 13, 2026 642 There are several
      remittance type codes the servicer can use for reporting special remittances
      to Fannie Mae. (See CRS User Guide for a list of remittance type codes). Each
      special remittance must have a corresponding Fannie Mae loan number entered
      in CRS. Each remittance type code must be linked to a single bank account. See
      F-1-03, Establishing and Implementing Custodial Accounts for additional information
      on establishing bank account instructions. Remitting Short Sale Proceeds For
      portfolio mortgage loans, PFP mortgage loans, and special servicing option MBS
      mortgage loans, the servicer must remit short sale proceeds to Fannie Mae in
      accordance with C-1.2-02, Processing Short Sale Proceeds, by taking the actions
      described in the following table. ✓ The servicer must... Remit the short sale
      proceeds via CRS as a special remittance using special remittance code 357.
      Note: Do NOT submit as code 001. Remit any borrower cash contributions associated
      with the short sale using special remittance code 324. Remit the short sale
      proceeds to Fannie Mae within two business days of the servicer’s receipt of
      the net sale proceeds, but no later than three business days after the short
      sale. Include the Fannie Mae loan number where indicated. Contact its assigned
      Fannie Mae Investor Reporting Representative (see F-4-02, List of Contacts)
      with any questions related to remitting short sale proceeds. For regular servicing
      option MBS mortgage loans, shared-risk special servicing option MBS mortgage
      loans, regular servicing option RD mortgage loans, or any mortgage loans subject
      to some type of recourse or other credit enhancement arrangement, the servicer
      must remit the short sale proceeds just as it would remit a full payoﬀ of any
      other regular servicing option MBS mortgage loan since the servicer must absorb
      any losses and expenses related to the short sale. Also see Reporting a Liquidation
      to Fannie Mae in the Investor Reporting Manual for instructions on how to remove
      the mortgage loan from Fannie Mae’s active accounting records. Remitting MBS
      Guaranty Fees and Charges Fannie Mae initiates drafts for guaranty fees, guaranty
      fee buydown charges, and deposits for guaranty fee buyup charges, in accordance
      with C-3-01, Responsibilities Related to Remitting P&I Funds to Fannie Mae.
      Published May 13, 2026 643 Remittance Requirements The following table lists
      the steps the servicer must follow to enable successful drafts/deposits for
      guaranty fees and buydown/buyup charges. Step Servicer Action 1 Designate a
      custodial bank account from which Fannie Mae will process the fees. See F-1-03,
      Establishing and Implementing Custodial Accounts for detailed requirements.
      2 Retrieve the electronic draft notice (or “bill”) from Fannie Mae’s website.
      This notice shows the amount due for guaranty fees, any guaranty fee buydown
      charges, any adjustment to oﬀset any guaranty fee buyup payment that Fannie
      Mae owes the servicer, and the total net amount due Fannie Mae. 3 Review the
      draft notice for accuracy. If the net of the fees and charges the servicer calculates
      does not agree with the amount shown on the draft notice, the servicer must
      contact its Fannie Mae Investor Reporting Representative (see F-4-02, List of
      Contacts) immediately to provide details on the amount and nature of the discrepancy.
      Fannie Mae will review its records to validate the discrepancy the servicer
      identiﬁed and make any necessary adjustments to the bill. 4 Remit the fees and
      charges to the designated custodial account so they are available to Fannie
      Mae on the seventh calendar day of the month, or on the preceding business day
      if the seventh is not a business day. Guaranty Fee Relief Process When a scheduled/scheduled
      remittance type MBS mortgage loan becomes four consecutive months delinquent,
      Fannie Mae will place the mortgage loan in the Guaranty Fee Relief process and
      suspend drafting guaranty fees from the servicer’s custodial account. While
      the mortgage loan is in the Guaranty Fee Relief process, the servicer must continue
      to report mortgage loan activity to Fannie Mae. If the servicer collects one
      or more full contractual payments while the mortgage loan is in the Guaranty
      Fee Relief process, Fannie Mae will draft the guaranty fee amount associated
      with the contractual payment. Fannie Mae will ﬁrst apply such funds to recover
      the outstanding guaranty fees due to Fannie Mae. Once Fannie Mae has recovered
      all its outstanding guaranty fees, the servicer may then retain subsequent guaranty
      fee amounts to recover delinquent guaranty fee advances it has made. Fannie
      Mae will remove a mortgage loan from the Guaranty Fee Relief process under certain
      events, including those set forth in the following table. The table also summarizes
      additional servicer responsibilities, and the actions Fannie Mae will take,
      depending on how the mortgage loan exits the process. Published May 13, 2026
      644 If... Then... The mortgage loan is removed from the trust and reclassiﬁed
      as an actual/actual remittance type mortgage loan (including for a pending mortgage
      loan modiﬁcation) The servicer is no longer responsible for remitting guaranty
      fees to Fannie Mae. The mortgage loan becomes current (including when the borrower
      completes an applicable home retention workout option) • The servicer must resume
      remitting guaranty fees to Fannie Mae. • Fannie Mae will draft the guaranty
      fee from the servicer’s designated custodial account each month, beginning with
      the applicable draft date for the guaranty fee due for the month in which the
      mortgage loan became current. Note: See Reimbursement for Expenses Associated
      with Workout Options in F-1-05, Expense Reimbursement for when Fannie Mae will
      reimburse guaranty fees for a mortgage loan with a completed payment deferral.
      The mortgage loan is paid oﬀ or repurchased The servicer is no longer responsible
      for remitting guaranty fees to Fannie Mae. The mortgage loan is liquidated (such
      as through foreclosure, short sale, or Mortgage Release) The servicer is no
      longer responsible for remitting guaranty fees to Fannie Mae. Remitting Other
      Fees and Charges All other fees and charges due Fannie Mae, such as upfront
      commitment fees or pair-oﬀ or extension fees, must all be deposited into a single
      custodial account that has been designated as the draft account and entered
      into the CRS. The servicer must deposit the funds for the applicable fees or
      charges to be remitted prior to the date on which Fannie Mae will draft the
      funds. The following table provides additional information regarding when Fannie
      Mae will draft certain other fees, in accordance with C-3-01, Responsibilities
      Related to Remitting P&I Funds to Fannie Mae. Published May 13, 2026 645 Type
      of Fee Fannie Mae will draft the account... Upfront commitment fees related
      to negotiated case commitments The day following the request for the contract,
      without providing any advance notiﬁcation. Fees related to pair-oﬀs, or extensions
      of cash commitments or contracts that are request by a seller/servicer The business
      day following the seller/servicer’s request for the pair-oﬀ or extension. Fannie
      Mae will draft the account on the business day following the extended expiration
      date or following the expiration of the additional time period it allows for
      processing pending purchases before an automatic pair-oﬀ takes place, if the
      fees relate to • an automatic ﬁve-day extension of a commitment or contract,
      or • an automatic pair-oﬀ of the remaining balance of an expired commitment
      or contract. Fannie Mae will provide the seller/servicer with advance notiﬁcation
      of its draft. Remitting Payoﬀ Proceeds The following table provides the schedule
      and remittance requirements for remitting mortgage loan payoﬀ proceeds to Fannie
      Mae, in accordance with C-3-02, Remitting Payoﬀ Proceeds. Mortgage Loan Type
      Requirements for Remitting Payoﬀ Proceeds Actual/Actual Remittance Type Mortgage
      Loan If the payoﬀ proceeds are greater than $2,500, they must be remitted to
      Fannie Mae immediately. Otherwise, the servicer must remit the payoﬀ proceeds
      under the servicer’s regular remittance schedule. The servicer must remit •
      the UPB; • the full amount of the interest due, up to but not including, the
      payoﬀ date; • FHA servicer charges, if applicable; and • any prepayment premium,
      if applicable. Note: The servicer may deduct its applicable servicing fees.
      Published May 13, 2026 646 Mortgage Loan Type Requirements for Remitting Payoﬀ
      Proceeds Scheduled/Actual Remittance Type Mortgage Loan The servicer must remit
      the payoﬀ proceeds to Fannie Mae as part of its regular monthly remittance,
      by the 20th day of the month following the month in which they were received,
      or any other negotiated remittance date. The servicer must remit Fannie Mae’s
      share of • the UPB; • one-half of one month’s interest, calculated at the net
      certiﬁcate yield of the PTR for a whole mortgage loan; and • any prepayment
      premium, if Fannie Mae agreed that such a premium could be collected and requires
      it to be remitted to Fannie Mae. Scheduled/Scheduled Remittance Type Mortgage
      Loan The servicer must remit the payoﬀ proceeds as part of its regular monthly
      remittance • on the standard remittance day of the 18th calendar day of the
      month following the month in which they were received; • by the early remittance
      day the servicer speciﬁed under the RPM for MBS remittances; or • by the 4th
      business day of the month, if the loan is in an MBS Express pool. The remittance
      amount to Fannie Mae will vary by mortgage loan type as follows: • Portfolio
      mortgage loans: ⚬ scheduled UPB of the mortgage loan, and ⚬ a full month’s interest
      calculated at the PTR of the mortgage loan. • MBS mortgage loans: ⚬ a full month’s
      interest calculated at the pass-through rate of the mortgage loan unless the
      liquidation was process on the ﬁrst business day and reported to Fannie Mae
      by the second business day, and ⚬ any prepayment premium, if Fannie Mae agreed
      that such a premium could be collected and requires it to be remitted to Fannie
      Mae. Note: Because the servicer is required to remit a full month’s interest
      to Fannie Mae, the servicer must use its own funds to cover the diﬀerence between
      the interest Fannie Mae is due and the interest collected from the borrower
      when a mortgage loan is paid oﬀ before the end of the month. For FHA Title I
      loans, the scheduled for remitting funds depends on the remittance type for
      the mortgage loan. The servicer must remit the UPB, and the full amount of interest
      due through the end of the payoﬀ month. Note: The servicer may deduct its applicable
      servicing fee. Published May 13, 2026 647 Remitting Third-Party Sales Proceeds
      to Fannie Mae The servicer must remit all third-party sales proceeds to Fannie
      Mae regardless of whether or not the sale is ﬁnalized or falls through in accordance
      with E-3.5-02, Handling Third-Party Sales. If the sale is ﬁnalized, the amount
      that must be remitted to Fannie Mae is: up to the total mortgage indebtedness,
      including the UPB of the mortgage loan and interest (based on the applicable
      PTR) for the period from the due date of the LPI to the latter of the liquidation
      or settlement date; or the restricted resale price (as determined in accordance
      with the resale restriction agreement or shared equity transaction agreement,
      as applicable). However, if state law requires that the sheriﬀ deduct fees from
      the sale proceeds, the servicer must remit the proceeds less such deductions
      to Fannie Mae along with an itemization of the deducted fees. The servicer must
      submit a request for expense reimbursement for any reimbursable expenses. The
      servicer must not submit any sales proceeds that remain after Fannie Mae has
      been paid the amount it is due—and after the servicer has been reimbursed for
      its expenses and advances—because these proceeds must be distributed as provided
      for under local statutory requirements. Any premium refunds (minus the portion
      that may be required to reimburse Fannie Mae or the servicer for advances Fannie
      Mae made) must be disbursed as shown in the following table. If the mortgage
      loan is... Then the payment must be made to the... FHA third-party purchaser
      Conventional, VA, or RD borrower For a VA mortgage loan, the servicer must ﬁle
      a claim under the guaranty if the third party’s bid was more than VA’s “upset
      price,” but less than the total indebtedness. The servicer also may ﬁle a claim
      under FHA’s claim without conveyance procedure for an FHA mortgage loan that
      was endorsed for insurance on or after November 30, 1983. For additional information,
      see Section E0–4.5, Filing MI Claims for Liquidated Properties. Remitting a
      Settlement Received for a Mortgage Loan The servicer must remit any claim or
      sales proceeds it receives to Fannie Mae, by adhering to the instructions shown
      in the following table. ✓ The servicer must... Immediately deposit the funds
      into its P&I custodial account. Published May 13, 2026 648 ✓ The servicer must...
      Report the receipt of funds in its accounting reports for the current month.
      Remit funds to Fannie Mae on the remittance date in the month following their
      receipt. Determining the Payoﬀ Date for a Scheduled/Scheduled Mortgage Loan
      The following table outlines how the servicer must determine the payoﬀ date.
      If... Then... a scheduled/scheduled remittance type mortgage loan payoﬀ is handled
      by a settlement attorney or closing agent the servicer can consider the mortgage
      loan as being paid oﬀ on the settlement (or closing) date, even if it does not
      receive the funds for several days. a mortgage loan payoﬀ comes directly from
      the borrower the servicer can consider the mortgage loan paid oﬀ on the day
      the servicer receives the funds. Recent Related Announcements The table below
      provides references to recently issued Announcements that are related to this
      topic. Announcements Issue Date Announcement SVC-2026-02 March 11, 2026 Announcement
      SVC-2024-06 November 13, 2024 Announcement SVC-2023-06 December 20, 2023 Announcement
      SVC-2023-04 July 12, 2023 Announcement SVC-2023-03 May 10, 2023 Announcement
      SVC-2022-05 July 13, 2022 Published May 13, 2026 649 Announcements Issue Date
      Announcement SVC-2022-03 May 11, 2022 Announcement SVC-2021-07 October 13, 2021
      Announcement SVC-2020-03 July 15, 2020'
  judgment: false
