source:
  type: regulation
  id: fhlmc-2404.3
  authority: Freddie Mac Single-Family Seller/Servicer Guide §2404.3 — System-Specific License for Resolve® (04/08/26)
  description: "Freddie Mac Guide §2404.3 (System-Specific License for Resolve®). Gap-fill (verbatim, ID-diff).\
    \ \n"
obligations:
- id: fhlmc-2404.3-0
  canonical_id: fhlmc-2404.3-0
  section: Freddie Mac Guide 2404.3
  description: '2404.3 System-Specific License for Resolve®: (04/08/26) This section contains requirements related
    to: ■ Scope and applicability ■ Definitions ■ Limitation on Authorized Users ■ Relation to Chapters 8301, 9203,
    9204, 9206, 9209, 9210 and 9301 (“Loss Mitigation Business Rules”) ■ Consumer Credit Data; Limited Agency ■
    Additi…'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - fhlmc-guide
  - section-complete
  primary_source:
    tier: 1
    authority: Freddie Mac Single-Family Seller/Servicer Guide §2404.3 — System-Specific License for Resolve® (04/08/26)
    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: '(04/08/26) This section contains requirements related to: ■ Scope and applicability ■ Definitions
      ■ Limitation on Authorized Users ■ Relation to Chapters 8301, 9203, 9204, 9206, 9209, 9210 and 9301 (“Loss
      Mitigation Business Rules”) ■ Consumer Credit Data; Limited Agency ■ Additional representations and warranties
      ■ Conditional waiver liability (a) Scope and applicability Resolve® is the System licensed pursuant to this
      System-Specific License and the Master Systems License. Immediately upon a User’s first access to Resolve
      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. Any capitalized term used but not defined in this System-Specific
      License shall have the meaning set forth in the Glossary, the Master Systems License (Chapter 2401) or elsewhere
      in the Guide. (c) Limitation on Authorized Users Notwithstanding anything to the contrary in Section 2401.1,
      only employees of a Seller/Servicer, a Servicing Agent or other Related Third Party shall be Authorized Users
      under Section 2401.1, the Guide and other Purchase Documents. Accordingly, and for the avoidance of doubt,
      Seller/Servicer shall provide or make access to the System available only to its employees, employees of its
      Servicing Agents and other Related Third Parties, subject'
    drafter_attestation: Verbatim from Freddie Guide §2404.3 body (max-gap occurrence), snapshot 5869ee9e606cd4ae;
      substring-verified.
  judgment: false
- id: fhlmc-2404.3-1
  canonical_id: fhlmc-2404.3-1
  section: Freddie Mac Guide 2404.3
  description: '2404.3 System-Specific License for Resolve®: -Family Seller/Servicer Bulletin Chapter 2404 As of
    04/08/26'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - fhlmc-guide
  - section-complete
  primary_source:
    tier: 1
    authority: Freddie Mac Single-Family Seller/Servicer Guide §2404.3 — System-Specific License for Resolve® (04/08/26)
    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: -Family Seller/Servicer Bulletin Chapter 2404 As of 04/08/26
    drafter_attestation: Verbatim from Freddie Guide §2404.3 body (max-gap occurrence), snapshot 5869ee9e606cd4ae;
      substring-verified.
  judgment: false
- id: fhlmc-2404.3-2
  canonical_id: fhlmc-2404.3-2
  section: Freddie Mac Guide 2404.3
  description: '2404.3 System-Specific License for Resolve®: 404-9 to the limitations and requirements of Section
    2401.1, the Guide and other Purchase Documents. (d) Relation to Chapters 8301, 9203, 9204, 9206, 9209, 9210
    and 9301 (“Loss Mitigation Business Rules”) This Section 2404.3 is in addition to and not in limitation of the
    Loss Mit…'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - fhlmc-guide
  - section-complete
  primary_source:
    tier: 1
    authority: Freddie Mac Single-Family Seller/Servicer Guide §2404.3 — System-Specific License for Resolve® (04/08/26)
    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: '404-9 to the limitations and requirements of Section 2401.1, the Guide and other Purchase
      Documents. (d) Relation to Chapters 8301, 9203, 9204, 9206, 9209, 9210 and 9301 (“Loss Mitigation Business
      Rules”) This Section 2404.3 is in addition to and not in limitation of the Loss Mitigation Business Rules,
      which address various rights and obligations associated with Servicer’s loss mitigation and other Servicing
      undertakings on behalf of Freddie Mac by means of the System. Notwithstanding the foregoing: i. The Seller/Servicer
      may not deem Freddie Mac to have reviewed the terms of any approved loss mitigation solution for compliance
      with the Seller/Servicer’s obligations under the Guide or other Purchase Documents, or to have approved any
      loss mitigation solution or their terms based on the Seller/Servicer’s use of the System, including, without
      limitation: ■ The System’s generation of terms for any reinstatement, relief, retention or liquidation solution,
      ■ Freddie Mac’s settlement in its systems of any such solution entered into by the Seller/Servicer under its
      delegated authority or expanded delegated authority in accordance with a Freddie Mac approval of an exception,
      or ■ Freddie Mac’s notification that the loss mitigation solution has been processed in Freddie Mac’s systems
      via the Loan Modifications processed report or the Charge Off processed report ii. The Seller/Servicer may
      not deem Freddie Mac to have reviewed the terms of a Trial Period Plan or modification agreement for compliance
      with the Servicer’s obligations under the Guide or other Purchase Documents or to have approved a Trial Period
      Plan or modification or their terms based on the Seller/Servicer’s use of the System including, without limitation:
      ■ The System’s generation of terms for a Trial Period Plan or modification agreement ■ Freddie Mac’s settlement
      on its systems of a modification entered into by the Servicer under its delegated authority or expanded delegated
      authority in accordance with a Freddie Mac approval of an exception, or ■ Freddie Mac’s notification that
      the modification has been processed in Freddie Mac’s systems via the Loan Modifications Processed report (e)
      Consumer Credit Data; Limited Agency'
    drafter_attestation: Verbatim from Freddie Guide §2404.3 body (max-gap occurrence), snapshot 5869ee9e606cd4ae;
      substring-verified.
  judgment: false
- id: fhlmc-2404.3-3
  canonical_id: fhlmc-2404.3-3
  section: Freddie Mac Guide 2404.3
  description: '2404.3 System-Specific License for Resolve®: -Family Seller/Servicer Bulletin Chapter 2404 As of
    04/08/26'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - fhlmc-guide
  - section-complete
  primary_source:
    tier: 1
    authority: Freddie Mac Single-Family Seller/Servicer Guide §2404.3 — System-Specific License for Resolve® (04/08/26)
    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: -Family Seller/Servicer Bulletin Chapter 2404 As of 04/08/26
    drafter_attestation: Verbatim from Freddie Guide §2404.3 body (max-gap occurrence), snapshot 5869ee9e606cd4ae;
      substring-verified.
  judgment: false
- id: fhlmc-2404.3-4
  canonical_id: fhlmc-2404.3-4
  section: Freddie Mac Guide 2404.3
  description: '2404.3 System-Specific License for Resolve®: 404-10 1. In connection with its use of the System
    as permitted in the Documentation, the Seller/Servicer may obtain and/or access consumer credit data as that
    term is defined in State and federal fair credit reporting laws (i.e., "Consumer Credit Data"), including through
    reques…'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - fhlmc-guide
  - section-complete
  primary_source:
    tier: 1
    authority: Freddie Mac Single-Family Seller/Servicer Guide §2404.3 — System-Specific License for Resolve® (04/08/26)
    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: '404-10 1. In connection with its use of the System as permitted in the Documentation, the
      Seller/Servicer may obtain and/or access consumer credit data as that term is defined in State and federal
      fair credit reporting laws (i.e., "Consumer Credit Data"), including through requesting and obtaining consumer
      credit reports in which Consumer Credit Data is embedded (each, a "Credit Report") from a credit repository
      or credit bureau (each a "Credit Reporting Agency"). 2. With respect to any Credit Report or other Consumer
      Credit Data obtained and/or accessed by or through the System, the Seller/Servicer hereby: i. Certifies that
      it has a permissible purpose under applicable State and federal fair credit reporting laws to use the Credit
      Report and/or other Consumer Credit Data, ii. Authorizes the System, on behalf of the Seller/Servicer, to
      retrieve, process, assess and/or store the Credit Report and/or other Consumer Credit Data, and/or share the
      Credit Report and/or other Consumer Credit Data with its Related Third Parties, iii. Appoints the System as
      its limited agent for the sole purpose of having the System effect such Credit Report and/or other Consumer
      Credit Data retrieval, processing, assessment, storage and/or sharing with the Seller/Servicer and/or its
      Related Third Parties, and iv. Ratifies and affirms its compliance with (a) the federal Fair Credit Reporting
      Act and its implementing regulations, and (b) any applicable State law and regulation 3. This System-Specific
      License does not create any principal or agency relationship other than the limited agency set forth herein,
      and (except with respect to its agency relationship required under Section 2401.1(e)(iii) of the Master Systems
      License) the Seller/Servicer shall not assert or represent to any third party the existence of any other principal
      or agency relationship arising from or in connection with this System-Specific License or otherwise 4. The
      Seller/Servicer acknowledges and agrees that Credit Reports and any other Consumer Credit Data constitute
      System Data for purposes of Chapter 2401 (f) Additional 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 all data input into the System is true, complete and accurate and that all
      data is entered correctly. (g) Conditional waiver of liability With respect to a Mortgage for which the System
      is used to generate a recommended loss mitigation solution, if the Seller/Servicer is and remains in full
      compliance with the conditions set forth below, it will have no liability to Freddie Mac resulting from its'
    drafter_attestation: Verbatim from Freddie Guide §2404.3 body (max-gap occurrence), snapshot 5869ee9e606cd4ae;
      substring-verified.
  judgment: false
- id: fhlmc-2404.3-5
  canonical_id: fhlmc-2404.3-5
  section: Freddie Mac Guide 2404.3
  description: '2404.3 System-Specific License for Resolve®: -Family Seller/Servicer Bulletin Chapter 2404 As of
    04/08/26'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - fhlmc-guide
  - section-complete
  primary_source:
    tier: 1
    authority: Freddie Mac Single-Family Seller/Servicer Guide §2404.3 — System-Specific License for Resolve® (04/08/26)
    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: -Family Seller/Servicer Bulletin Chapter 2404 As of 04/08/26
    drafter_attestation: Verbatim from Freddie Guide §2404.3 body (max-gap occurrence), snapshot 5869ee9e606cd4ae;
      substring-verified.
  judgment: false
- id: fhlmc-2404.3-6
  canonical_id: fhlmc-2404.3-6
  section: Freddie Mac Guide 2404.3
  description: '2404.3 System-Specific License for Resolve®: 404-11 reasonable reliance on the accuracy of System
    calculations as evidenced by Resolve Output associated with the submission of that Mortgage to the System; provided,
    however, that the Seller/Servicer meets the following conditions (1) as of the submission date of all data and…'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - fhlmc-guide
  - section-complete
  primary_source:
    tier: 1
    authority: Freddie Mac Single-Family Seller/Servicer Guide §2404.3 — System-Specific License for Resolve® (04/08/26)
    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: '404-11 reasonable reliance on the accuracy of System calculations as evidenced by Resolve
      Output associated with the submission of that Mortgage to the System; provided, however, that the Seller/Servicer
      meets the following conditions (1) as of the submission date of all data and information required by the System
      for generation of Output with respect to that Mortgage, and (2) continuing through the Seller/Servicer’s final
      execution of the System’s recommended loss mitigation solution for such Mortgage: ■ All data, including, if
      applicable, Consumer Credit Data, entered into the System (I) is true, complete and accurate, (II) has been
      verified by the Seller/Servicer in accordance with the Loss Mitigation Business Rules, and (III) meets all
      eligibility and other requirements captured in the Loss Mitigation Business Rules ■ The Mortgage has successfully
      passed the eligibility requirements for an approved loss mitigation solution by the System ■ Prior to the
      final execution of the recommended loss mitigation solution for the Mortgage, the Seller/Servicer has resolved
      to Freddie Mac’s satisfaction all verification messages or conditions specified on the Feedback Certificate
      and any other Output ■ Prior to the execution of the recommended loss mitigation solution for the Mortgage,
      the Seller/Servicer has verified that all data and information on which the case submission was based remains
      unchanged for that Mortgage ■ The recommended loss mitigation solution is executed for that Mortgage in accordance
      with applicable requirements set forth in the Loss Mitigation Business Rules, including but not limited to,
      with the requirements of State mandated loan modification programs ■ The Seller/Servicer is in compliance
      with the Loss Mitigation Business Rules and all other provisions of the Guide, except with respect to calculations
      performed by the System; and ■ Without limiting the generality of Section 2401.1(h)(ii), the Seller/Servicer
      is and remains in compliance with all federal, State and local laws, rules and regulations applicable to its
      activities in connection with which the System is used'
    drafter_attestation: Verbatim from Freddie Guide §2404.3 body (max-gap occurrence), snapshot 5869ee9e606cd4ae;
      substring-verified.
  judgment: false
- id: fhlmc-2404.3-7
  canonical_id: fhlmc-2404.3-7
  section: Freddie Mac Guide 2404.3
  description: '2404.3 System-Specific License for Resolve®: 405-1 Chapter 2405: PAID (Payments Automated Intelligent
    and Dynamic)'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - fhlmc-guide
  - section-complete
  primary_source:
    tier: 1
    authority: Freddie Mac Single-Family Seller/Servicer Guide §2404.3 — System-Specific License for Resolve® (04/08/26)
    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: '405-1 Chapter 2405: PAID (Payments Automated Intelligent and Dynamic)'
    drafter_attestation: Verbatim from Freddie Guide §2404.3 body (max-gap occurrence), snapshot 5869ee9e606cd4ae;
      substring-verified.
  judgment: false
