source:
  type: regulation
  id: fnma-svc-e-1
  authority: "FNMA Servicing Guide E-1 — Referring Default-Related Legal Matters and Non-Routine Litigation to Law Firms"
  description: 'Servicing Guide Chapter E-1 sets requirements when referring default-related legal matters to law firms.

    '
obligations:
- id: fnma-svc-e-1-refer-to-retained-counsel-only
  canonical_id: fnma-svc-e-1-refer-to-retained-counsel-only
  section: "FNMA Servicing Guide E-1.1-01 — General Requirements for Referring a Mortgage Loan to a Law Firm"
  description: '[LENDER] must send each default-related legal referral to a law firm

    that has been selected and retained for the jurisdiction under the

    requirements set forth in A4-2.2-01, Selecting and Retaining Law Firms.

    '
  type: do
  audit_question: For every default-related legal referral on a Fannie Mae mortgage loan, can [LENDER] evidence that the referred law firm was selected and retained for the jurisdiction under A4-2.2-01?
  workflow_phase: servicing
  owner_role: foreclosure_specialist
  secondary_owner_role: compliance_officer
  cadence: per-event
  consequence: ''
  tags:
  - round-b
  - regulator-direct
  - fnma
  - servicing-guide
  - law-firm-referral
  - retained-counsel
  - promoted
  primary_source:
    tier: 1
    authority: FNMA Servicing Guide E-1.1-01
    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: "Send the referral to a law ﬁrm that has been selected and retained for the jurisdiction under the"
    drafter_attestation: 'Copied verbatim from FNMA Servicing Guide snapshot cf63a82bbb4adfba (chapter E-1) at 2026-05-22.

      '
  promoted_at: '2026-05-23T00:25:12+00:00'
  promoted_from: fnma-svc-e-1-roundb-v1.yaml
  program_review: Does the program ensure each default-related legal referral goes to a law firm selected/retained for the jurisdiction under A4-2.2-01?
  file_review: For default-related referrals, confirm the law firm was retained for the jurisdiction under A4-2.2-01.
  judgment: false
- id: fnma-svc-e-1-95-day-document-request
  canonical_id: fnma-svc-e-1-95-day-document-request
  section: "FNMA Servicing Guide E-1.1-02 — Required Referral Documents"
  description: '[LENDER] must institute a process to request the necessary documents

    from the document custodian no later than the 95th day of delinquency

    in order to ensure that these documents are available at the time of

    referral to the law firm for default-related legal services.

    '
  type: do
  audit_question: For every Fannie Mae mortgage loan headed toward a default-related legal referral, can [LENDER] evidence a process that requests necessary documents (note, allonge, etc.) from the document custodian no later than the 95th day of delinquency?
  workflow_phase: servicing
  owner_role: foreclosure_specialist
  secondary_owner_role: default_servicing_analyst
  cadence: per-default-event
  consequence: ''
  tags:
  - round-b
  - regulator-direct
  - fnma
  - servicing-guide
  - document-custodian
  - 95-day
  - promoted
  primary_source:
    tier: 1
    authority: FNMA Servicing Guide E-1.1-02
    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 institute a process to request the necessary documents from the document custodian no later
    drafter_attestation: 'Copied verbatim from FNMA Servicing Guide snapshot cf63a82bbb4adfba (chapter E-1) at 2026-05-22.

      '
  promoted_at: '2026-05-23T00:25:12+00:00'
  promoted_from: fnma-svc-e-1-roundb-v1.yaml
  program_review: Does the program operate a process to request necessary documents from the document custodian no later than day 95 of delinquency, so they are available at referral?
  file_review: For loans heading to legal referral, confirm the document-custodian request was initiated no later than day 95 of delinquency.
  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-e-1-roundb-v1.yaml
  candidates_promoted: 2
  candidates_skipped_existing: 0
