source:
  type: regulation
  id: fnma-svc-d1-4
  authority: "FNMA Servicing Guide D1-4 — Transfers of Ownership"
  description: 'Servicing Guide Chapter D1-4 governs enforcement of the due-on-sale/due-on-transfer provision and exempt transactions.

    '
obligations:
- id: fnma-svc-d1-4-due-on-sale-investigation
  canonical_id: fnma-svc-d1-4-due-on-sale-investigation
  section: "FNMA Servicing Guide D1-4.1-01 — Determining Whether a Transfer of Ownership Is Permitted"
  description: 'When [LENDER] receives a request for a statement of account in

    connection with a possible transfer of ownership of a property, or if

    [LENDER] learns after the fact that a transfer has occurred, [LENDER]

    must review the mortgage loan instruments to determine whether the

    mortgage loan is subject to enforcement of the due-on-sale (or

    due-on-transfer) provision, investigate any questionable changes to

    determine whether a transfer of ownership has occurred, and determine

    whether any action needs to be taken to enforce the due-on-sale (or

    due-on-transfer) provision.

    '
  type: do
  audit_question: For every statement-of-account request or after-the-fact transfer discovery on a Fannie Mae mortgage loan, can [LENDER] evidence review of the loan instruments, investigation of any questionable changes, and a documented enforcement determination for the due-on-sale (or due-on-transfer) provision?
  workflow_phase: servicing
  owner_role: default_servicing_analyst
  secondary_owner_role: compliance_officer
  cadence: per-event
  consequence: ''
  tags:
  - round-b
  - regulator-direct
  - fnma
  - servicing-guide
  - transfer-of-ownership
  - due-on-sale
  - promoted
  primary_source:
    tier: 1
    authority: FNMA Servicing Guide D1-4.1-01
    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: Review the mortgage loan instruments to determine whether the mortgage loan is subject to
    drafter_attestation: 'Copied verbatim from FNMA Servicing Guide snapshot cf63a82bbb4adfba (chapter D1-4) at 2026-05-22.

      '
  promoted_at: '2026-05-23T00:25:11+00:00'
  promoted_from: fnma-svc-d1-4-roundb-v1.yaml
  program_review: Does the program ensure that on a statement-of-account request tied to a possible transfer (or after-the-fact transfer discovery) the loan instruments are reviewed, questionable changes investigated, and a due-on-sale/due-on-transfer enforcement determination made?
  file_review: For transfer-related events, confirm the instrument review, investigation of questionable changes, and a documented enforcement determination. The compliance person judges whether the investigation was adequate.
  judgment: true
- id: fnma-svc-d1-4-exempt-transactions-no-approval
  canonical_id: fnma-svc-d1-4-exempt-transactions-no-approval
  section: "FNMA Servicing Guide D1-4.1-02 — Allowable Exemptions Due to the Type of Transfer"
  description: 'Unless the previous borrower requests a release of liability, [LENDER]

    must process exempt transactions (the categories enumerated in

    D1-4.1-02, including specified joint-tenant survivorships, junior-

    lienholder foreclosures, certain co-borrower transfers, occupant

    natural-person transfers, qualifying leasehold interests, certain

    subordinate-lien creations, and listed family-member / divorce-decree

    / inter vivos trust transfers) without reviewing or approving the

    terms of the transfer.

    '
  type: do
  audit_question: For every D1-4.1-02 exempt transfer event on a Fannie Mae mortgage loan, can [LENDER] evidence processing without unilateral review/approval of the transfer terms (absent a prior-borrower release-of-liability request)?
  workflow_phase: servicing
  owner_role: default_servicing_analyst
  secondary_owner_role: compliance_officer
  cadence: per-event
  consequence: ''
  tags:
  - round-b
  - regulator-direct
  - fnma
  - servicing-guide
  - transfer-of-ownership
  - exempt-transactions
  - promoted
  primary_source:
    tier: 1
    authority: FNMA Servicing Guide D1-4.1-02
    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: Unless the previous borrower requests a release of liability, the servicer must process the following exempt
    drafter_attestation: 'Copied verbatim from FNMA Servicing Guide snapshot cf63a82bbb4adfba (chapter D1-4) at 2026-05-22.

      '
  promoted_at: '2026-05-23T00:25:11+00:00'
  promoted_from: fnma-svc-d1-4-roundb-v1.yaml
  program_review: Does the program account for the D1-4.1-02 exempt-transfer categories — processing them without reviewing/approving the transfer terms unless the prior borrower requests a release of liability?
  file_review: Spot-check exemplar exempt-transfer events; confirm processing without unilateral term review/approval absent a release-of-liability request.
  judgment: false
_promotion_history:
- promoted_at: '2026-05-23T00:25:11+00:00'
  candidate_path: C:\Users\earlc\broker-tools\obligations\_remediation\_round_b_drafts\fnma-svc-d1-4-roundb-v1.yaml
  candidates_promoted: 2
  candidates_skipped_existing: 0
