source:
  type: regulation
  id: fhlmc-bulletin-2026-2
  authority: Freddie Mac Single-Family Seller/Servicer Guide Bulletin 2026-2 (Servicing)
  status: in-force
  description: 'Freddie Mac Bulletin 2026-2 (Servicing), effective May 1, 2026: updates to forbearance term requirements, disaster loss-mit policy, and the loss-mitigation evaluation hierarchy (Section 9201.2, aligned to Fannie Mae). Snapshot is a byte-identical mirror of the official Freddie PDF.'
obligations:
- id: fhlmc-bulletin-2026-2-loss-mit-hierarchy
  canonical_id: fhlmc-bulletin-2026-2-loss-mit-hierarchy
  section: Freddie 2026-2 — loss-mit evaluation hierarchy (Section 9201.2), effective May 1, 2026
  description: Freddie Mac updated its loss-mitigation evaluation hierarchy (Section 9201.2) to align with Fannie Mae and impose new servicer requirements, effective May 1, 2026.
  type: do
  audit_question: Has [SVCR] updated its loss-mit evaluation procedure to the revised Freddie Section 9201.2 hierarchy (Fannie-aligned), effective May 1, 2026?
  workflow_phase: default_servicing
  owner_role: default_servicing_director
  secondary_owner_role: cco
  cadence: per-bulletin
  consequence: Missing a GSE bulletin change risks repurchase, servicing penalties, or non-compliance findings.
  tags:
  - fhlmc
  - bulletin-2026-2
  - loss-mitigation
  - servicing
  - effective-2026-05-01
  - promoted
  primary_source:
    tier: 1
    authority: Freddie Mac Single-Family Seller/Servicer Guide Bulletin 2026-2 (Servicing)
    source_class: gse-bulletin
    source_url: https://www.tenaco.com/wp-content/uploads/2026/02/Freddie-Mac-Guide-Bulletin-2026-02-02-11-26.pdf
    snapshot_id: 321295695248a6ed
    fetched_at: '2026-06-08T00:00:00Z'
    content_hash: sha256:placeholder-snapshot-content-hash-from-source-json
    paragraph_quote: 'We have updated Section 9201.2 to improve alignment with Fannie Mae and provide clearer guidance for Servicers, who are now required to do the following:'
    drafter_attestation: Verbatim from Freddie Bulletin 2026-2 snapshot. Section 9201.2 hierarchy update.
  program_review: Does the program reflect the revised Freddie Section 9201.2 loss-mit hierarchy (Fannie-aligned) effective May 1, 2026?
  file_review: On Freddie loss-mit files, confirm evaluations follow the revised 9201.2 hierarchy.
  judgment: false
