source:
  type: guide
  id: fhlmc-2405.2
  authority: Freddie Mac Single-Family Seller/Servicer Guide Section 2405.2 — Electronic
    Transactions and access
  description: Freddie Mac Single-Family Seller/Servicer Guide Section 2405.2 — Electronic
    Transactions and access.
  coverage_tier: operative
obligations:
- id: fhlmc-2405.2-full
  canonical_id: fhlmc-2405.2-full
  section: Freddie Mac Single-Family Seller/Servicer Guide Section 2405.2 — Electronic
    Transactions and access
  type: do
  tags:
  - regulator-direct
  - fhlmc
  - freddie-guide
  - corpus-expansion
  - tier-operative
  primary_source:
    tier: 1
    authority: Freddie Mac Single-Family Seller/Servicer Guide Section 2405.2 — Electronic
      Transactions and access
    source_class: fhlmc-guide
    source_url: https://guide.freddiemac.com/ci-guide
    snapshot_id: 5869ee9e606cd4ae
    fetched_at: '2026-05-23T00:27:40Z'
    content_hash: sha256:9a1b23e5024bb369e7a59d36b3702383c11ace68b5d209fdef791bc8f955c637
    paragraph_quote: '2405.2: Electronic Transactions and access (12/17/25) This section
      contains information related to: ■ Defined terms ■ Consent to conduct Electronic
      Transactions ■ Access to copies of Electronic Transaction Records ■ User access
      requirements (a) Defined terms The following terms used in this Chapter are
      defined in Chapter 1401: Defined terms E Electronic Record A “Record” created,
      generated, sent, communicated, received, or stored by “Electronic” means, as
      defined in the “UETA” and/or “E-SIGN.” The term also includes a paper document
      converted into an Electronic Record. Electronic Signature An “Electronic” sound,
      symbol or process attached to, or logically associated with, a contract or other
      “Record” and executed or adopted by a person with the intent to sign the “Record,”
      as defined in the “UETA” and/or “E-SIGN” Electronic Transaction An action or
      set of actions occurring between two or more persons relating to the conduct
      of business, commercial, or governmental affairs, using “Electronic” means,
      as defined in the “UETA” and/or “E-SIGN” Freddie Mac Single-Family Seller/Servicer
      Guide Chapter 2405 As of 04/08/26 Page 2405-9 R Record Information that is inscribed
      on a tangible medium or that is stored in an electronic or other medium and
      is retrievable in perceivable form as defined in the “UETA” and/or “E-SIGN.”
      A Record may be a paper or an “Electronic” document. S System All computers,
      servers, fax machines, other Electronic devices, hardware, websites, internet,
      private networks, telephone lines or wireless communications, together with
      software applications, security measures, proprietary coding, interfaces and/or
      connectivity used to create, present, sign, transfer, transmit, send, submit,
      deliver, receive, retrieve maintain and/or store Records, Electronic Records
      or Electronic Signatures in order to engage in and/or conduct Electronic Transactions
      (b) Consent to conduct Electronic Transactions Servicer consents to conduct
      Electronic Transactions with Freddie Mac using PAID including, but not limited
      to: ■ Records ■ Electronic Records; and ■ Electronic Signatures All such transactions
      shall be conducted in accordance with Chapter 1401 and the Servicer agrees to
      be legally bound by the terms and conditions of such Electronic Transactions.
      When using PAID, the Servicer will make on-screen selections by “clicking on”
      certain designated terms, items, icons or buttons to signify Servicer’s agreement
      with various terms and conditions presented within PAID. Servicer’s Electronic
      Signature, includes, but is not necessarily limited to, the process or action
      of “clicking on” such designated items, icons or buttons. (c) Access to copies
      of Electronic Transaction Records The Servicer acknowledges and agrees that
      its ongoing access to copies of Records and Electronic Records related to any
      Electronic Transactions conducted by Servicer using PAID will be: ■ Paper copies
      Servicer prints out using its Systems, print capabilities and its printer; or
      Freddie Mac Single-Family Seller/Servicer Guide Chapter 2405 As of 04/08/26
      Page 2405-10 ■ Electronic copies Servicer is able to download to its computer
      or copy to a disk or other Electronic device Accordingly, the Servicer assumes
      responsibility for obtaining and retaining copies of any such Records and Electronic
      Records for Servicer’s future reference. If the Servicer is unable to print,
      download or copy any of the Records or Electronic Records, the Servicer may
      contact Customer Service at 800-FREDDIE and select option four for Servicing
      for assistance in obtaining copies of the Electronic Records. (d) User access
      requirements Servicer acknowledges and agrees that Freddie Mac has provided
      Servicer with written or Electronic, as defined in Chapter 1401, information
      that describes the minimum hardware, software, browser and other internet connectivity
      requirements necessary to conduct Electronic Transactions, as defined in Chapter
      1401, with Freddie Mac using PAID. Freddie Mac Single-Family Seller/Servicer
      Guide Chapter 2406 As of 12/17/25 Page 2406-1 Chapter 2406: Additional Servicing
      Tools and Systems'
  judgment: false
