source:
  type: regulation
  id: fhlmc-2402.1
  authority: Freddie Mac Single-Family Seller/Servicer Guide §2402.1 — System-Specific License for Specifications
    (12/17/25)
  description: "Freddie Mac Guide §2402.1 (System-Specific License for Specifications). Gap-fill (verbatim, ID-diff).\
    \ \n"
obligations:
- id: fhlmc-2402.1-0
  canonical_id: fhlmc-2402.1-0
  section: Freddie Mac Guide 2402.1
  description: '2402.1 System-Specific License for Specifications: (12/17/25) This section contains information
    related to: ■ Scope and applicability ■ Definitions ■ Provision for developing interfaces and consumer messages
    with provided specifications ■ Representations and warranties (a) Scope and applicability The Specifications
    are licensed p…'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - fhlmc-guide
  - section-complete
  primary_source:
    tier: 1
    authority: Freddie Mac Single-Family Seller/Servicer Guide §2402.1 — System-Specific License for Specifications
      (12/17/25)
    source_class: gse-guide
    source_url: https://guide.freddiemac.com/
    snapshot_id: 5869ee9e606cd4ae
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:9a1b23e5024bb369e7a59d36b3702383c11ace68b5d209fdef791bc8f955c637
    paragraph_quote: '(12/17/25) This section contains information related to: ■ Scope and applicability ■ Definitions
      ■ Provision for developing interfaces and consumer messages with provided specifications ■ Representations
      and warranties (a) Scope and applicability The Specifications are licensed pursuant to this System-Specific
      License and the Master Systems License. Immediately upon a User’s first receipt of any Specifications on or
      after the Effective Date, the Seller/Servicer shall be bound by this System-Specific License and the Master
      Systems License. This System-Specific License is incorporated into and made a part of the Master Systems License
      by this reference. Any reference herein to the System-Specific License shall be deemed to include this System-Specific
      License and the Master Systems License. (b) Definitions The definitions below apply for purposes of this System-Specific
      License. Capitalized terms used but not defined in this System-Specific License have the meaning set forth
      in the Glossary, the Master Systems License (Chapter 2401) or elsewhere in the Guide: Definitions related
      to the System-Specific License for specifications C Consumer Message A finding or message developed by the
      Seller/Servicer that is readily understood by a consumer and is made available to such consumer by the Seller/Servicer
      through the Lender Platform'
    drafter_attestation: Verbatim from Freddie Guide §2402.1 body (max-gap occurrence), snapshot 5869ee9e606cd4ae;
      substring-verified.
  judgment: false
- id: fhlmc-2402.1-1
  canonical_id: fhlmc-2402.1-1
  section: Freddie Mac Guide 2402.1
  description: '2402.1 System-Specific License for Specifications: 402-2 Definitions related to the System-Specific
    License for specifications I Interface One or more technical or user interfaces developed, owned and/or maintained
    by or on behalf of the Seller/Servicer that enables Users to communicate with and use one or more Systems through
    th…'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - fhlmc-guide
  - section-complete
  primary_source:
    tier: 1
    authority: Freddie Mac Single-Family Seller/Servicer Guide §2402.1 — System-Specific License for Specifications
      (12/17/25)
    source_class: gse-guide
    source_url: https://guide.freddiemac.com/
    snapshot_id: 5869ee9e606cd4ae
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:9a1b23e5024bb369e7a59d36b3702383c11ace68b5d209fdef791bc8f955c637
    paragraph_quote: 402-2 Definitions related to the System-Specific License for specifications I Interface One
      or more technical or user interfaces developed, owned and/or maintained by or on behalf of the Seller/Servicer
      that enables Users to communicate with and use one or more Systems through the transmission and receipt of
      data and other information to and from each such System by means of the Lender Platform L L2C Specifications
      Any lender-to-consumer Specifications provided to the Seller/Servicer that enables it to develop Consumer
      Messages Lender Platform A custom loan origination or other technology platform (including any web-based application,
      software or system as well as each Interface and all releases, upgrades and other modifications thereto) developed,
      owned and/or maintained by or on behalf of the Seller/Servicer Lender Test Materials The meaning set forth
      in Section 2402.1(c)(v) below S Specifications The specifications, including L2C Specifications, integration
      guides and any related technical documentation provided by or on behalf of Freddie Mac to enable the development
      and maintenance of each Interface and Consumer Message as applicable, including any Specification Update Specification
      Update The meaning set forth in Section 2402.1(c)(iii) below (c) Provision for developing interfaces and consumer
      messages with provided specifications The following terms govern Freddie Mac’s provision of Specifications
      and the Seller/Servicer’s responsibilities for developing, implementing and maintaining interfaces and consumer
      messages with one or more Systems. (i) Provision of Specifications Freddie Mac shall provide discrete sets
      of Specifications to the Seller/Servicer to facilitate the development of Consumer Messages and one or more
      Interfaces relating to one or more Systems. Each set of Specifications is incorporated into this System-Specific
    drafter_attestation: Verbatim from Freddie Guide §2402.1 body (max-gap occurrence), snapshot 5869ee9e606cd4ae;
      substring-verified.
  judgment: false
- id: fhlmc-2402.1-2
  canonical_id: fhlmc-2402.1-2
  section: Freddie Mac Guide 2402.1
  description: '2402.1 System-Specific License for Specifications: 402-3 License by this reference and constitutes
    confidential information for purposes of Sections 1201.8 and 2401.1(g)(i). Note: The terms and conditions of
    this System-Specific License shall apply to all Specifications separately provided by Freddie Mac. (ii) Development
    respons…'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - fhlmc-guide
  - section-complete
  primary_source:
    tier: 1
    authority: Freddie Mac Single-Family Seller/Servicer Guide §2402.1 — System-Specific License for Specifications
      (12/17/25)
    source_class: gse-guide
    source_url: https://guide.freddiemac.com/
    snapshot_id: 5869ee9e606cd4ae
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:9a1b23e5024bb369e7a59d36b3702383c11ace68b5d209fdef791bc8f955c637
    paragraph_quote: '402-3 License by this reference and constitutes confidential information for purposes of Sections
      1201.8 and 2401.1(g)(i). Note: The terms and conditions of this System-Specific License shall apply to all
      Specifications separately provided by Freddie Mac. (ii) Development responsibilities The Seller/Servicer shall
      develop and maintain the Interface and each Consumer Message solely and exclusively at its own direction,
      cost and expense and shall have complete and exclusive ownership of the Interface and each Consumer Message
      subject to the license set forth in Section 2402.1(c)(vi). (iii) Compliance The Seller/Servicer shall be solely
      responsible for the accuracy, technical sufficiency and functionality of the Interface. The Interface shall
      at all times comply in all respects with the Specifications, including any modifications to or replacements
      of the Specifications (each such modified or replaced version of a Specification referred to herein as a “Specification
      Update”) as Freddie Mac may undertake from time to time. (iv) Accuracy The Seller/Servicer shall be solely
      responsible for the accuracy of each Consumer Message, each of which shall at all times comply in all respects
      with: ■ The Specifications, including the L2C Specifications, and ■ All federal, State and local laws, rules
      and regulations applicable to a Consumer Message, including, without limitation, the Real Estate Settlement
      Procedures Act, Truth in Lending Act, Fair Credit Reporting Act, Equal Credit Opportunity Act and Home Mortgage
      Disclosure Act and each of their implementing regulations and commentary, as applicable Freddie Mac has the
      right, but not the obligation, to review and comment on each Consumer Message. The Seller/Servicer shall promptly
      make (or cause to be made) any modifications to a Consumer Message that Freddie Mac may request, and in no
      event shall any Consumer Message contain any (x) Output, including, without limitation, any credit risk categorization
      or loan purchase eligibility such as “Accept” or “Eligible,” or (y) reference to Freddie Mac or a System which
      reference has not previously been approved in writing by an officer of Freddie Mac. (v) Testing Except as
      set forth below in Section 2402.1(c)(vi), the Seller/Servicer and Freddie Mac may mutually agree to test the
      Seller/Servicer’s implementation of the Specifications. In'
    drafter_attestation: Verbatim from Freddie Guide §2402.1 body (max-gap occurrence), snapshot 5869ee9e606cd4ae;
      substring-verified.
  judgment: false
- id: fhlmc-2402.1-3
  canonical_id: fhlmc-2402.1-3
  section: Freddie Mac Guide 2402.1
  description: '2402.1 System-Specific License for Specifications: 402-4 such event, Freddie Mac may retain a third-party
    vendor to perform such testing on Freddie Mac’s behalf, and the Seller/Servicer shall provide to Freddie Mac
    and/or its vendor: ■ One access privilege or one copy of the Lender Platform, ■ One copy of each export and
    any othe…'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - fhlmc-guide
  - section-complete
  primary_source:
    tier: 1
    authority: Freddie Mac Single-Family Seller/Servicer Guide §2402.1 — System-Specific License for Specifications
      (12/17/25)
    source_class: gse-guide
    source_url: https://guide.freddiemac.com/
    snapshot_id: 5869ee9e606cd4ae
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:9a1b23e5024bb369e7a59d36b3702383c11ace68b5d209fdef791bc8f955c637
    paragraph_quote: '402-4 such event, Freddie Mac may retain a third-party vendor to perform such testing on Freddie
      Mac’s behalf, and the Seller/Servicer shall provide to Freddie Mac and/or its vendor: ■ One access privilege
      or one copy of the Lender Platform, ■ One copy of each export and any other file (including any Consumer Message)
      along with any associated documentation that includes the results of the Seller/Servicer’s testing (collectively
      with the Lender Platform, the “Lender Test Materials”), and ■ Reasonable assistance in such testing The Seller/Servicer
      shall use commercially reasonable efforts to correct any defects in the Interface revealed by any such testing.
      In addition to the foregoing, the Seller/Servicer will correct any “bugs” or other defects in the Interface
      promptly after it receives notice thereof from Freddie Mac. (vi) Specification updates From time to time Freddie
      Mac may make Specification Updates available to the Seller/Servicer, which the Seller/Servicer shall implement
      in accordance with the timelines and testing requirements (if any) set forth in each Specification Update.
      Freddie Mac will provide the Seller/Servicer with as much notice as is practicable under the circumstances
      with respect to each Specification Update, including any such update that Freddie Mac directs the Seller/Servicer
      to implement on an emergency basis. If Freddie Mac does not specify an implementation timeline for a Specification
      Update, the implementation date shall be ninety (90) days after publication of the Specification Update. If
      a Specification Update sets forth testing requirements, the Seller/Servicer shall not implement an associated
      version of its Interface or any related Consumer Message until Freddie Mac has successfully conducted its
      review and, as applicable, testing with the Seller/Servicer. (vii) License for testing The Seller/Servicer
      hereby grants to Freddie Mac a royalty-free, nonexclusive and nontransferable license to use the Lender Test
      Materials for testing and evaluation purposes as permitted under this Section 2402.1(c). (d) Representations
      and warranties In addition to representations and warranties made and otherwise referenced in the Master Systems
      License, the Seller/Servicer represents and warrants to Freddie Mac that:'
    drafter_attestation: Verbatim from Freddie Guide §2402.1 body (max-gap occurrence), snapshot 5869ee9e606cd4ae;
      substring-verified.
  judgment: false
- id: fhlmc-2402.1-4
  canonical_id: fhlmc-2402.1-4
  section: Freddie Mac Guide 2402.1
  description: '2402.1 System-Specific License for Specifications: 402-5 ■ The Interface will comply with the Specifications,
    ■ Each Consumer Message will comply with all laws and regulations as set forth in Section 2402.1(c)(iv), ■ The
    Interface will accurately transmit to the System all data and information input into the Interface, ■ The Lend…'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - fhlmc-guide
  - section-complete
  primary_source:
    tier: 1
    authority: Freddie Mac Single-Family Seller/Servicer Guide §2402.1 — System-Specific License for Specifications
      (12/17/25)
    source_class: gse-guide
    source_url: https://guide.freddiemac.com/
    snapshot_id: 5869ee9e606cd4ae
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:9a1b23e5024bb369e7a59d36b3702383c11ace68b5d209fdef791bc8f955c637
    paragraph_quote: 402-5 ■ The Interface will comply with the Specifications, ■ Each Consumer Message will comply
      with all laws and regulations as set forth in Section 2402.1(c)(iv), ■ The Interface will accurately transmit
      to the System all data and information input into the Interface, ■ The Lender Platform will not violate any
      patents, copyrights or other proprietary rights belonging to third parties, and ■ The Seller/Servicer will
      use its best efforts to ensure that the Lender Platform will at all times be and remain free of computer viruses
      and any code designed to cause the System to malfunction or self-destruct or to allow unauthorized access
      or cause harm to the System
    drafter_attestation: Verbatim from Freddie Guide §2402.1 body (max-gap occurrence), snapshot 5869ee9e606cd4ae;
      substring-verified.
  judgment: false
