source:
  type: regulation
  id: fhlmc-8102
  authority: "Freddie Mac Single-Family Seller/Servicer Guide Chapter 8102 — Servicers and Servicing Agents"
  description: 'Chapter 8102 of the Freddie Mac Single-Family Seller/Servicer Guide

    governs the Master Servicer''s use of Servicing Agents (subservicers):

    written approval to engage, oversight and surveillance, management

    experience, termination/transfer of Subservicing Agreements, document

    custody, and outsourced vendors. NOTE: actual title in the Freddie

    Guide is "Servicers and Servicing Agents", not "Mortgage File

    Retention".

    '
obligations:
- id: fhlmc-8102-master-servicer-prior-written-approval-servicing-agent
  canonical_id: fhlmc-8102-master-servicer-prior-written-approval-servicing-agent
  section: "Freddie Mac Guide Section 8102.1(c) — Approval to use Servicing Agents"
  description: '[LENDER], as Master Servicer, must obtain Freddie Mac''s written

    approval to use a Servicing Agent before the Servicing Agent may

    commence any Servicing activities on behalf of the Master Servicer.

    '
  type: do
  audit_question: Can [LENDER] evidence that, for every Servicing Agent used to service Freddie Mac mortgages, Freddie Mac's written approval (via executed and acknowledged Form 479A) was obtained BEFORE the Servicing Agent commenced any servicing activities?
  workflow_phase: servicing
  owner_role: compliance_officer
  secondary_owner_role: default_servicing_analyst
  cadence: per-servicing-agent-engagement
  consequence: ''
  tags:
  - round-b
  - regulator-direct
  - fhlmc
  - freddie-mac
  - servicing-guide
  - servicing-agents
  - subservicing
  - prior-approval
  - promoted
  primary_source:
    tier: 1
    authority: Freddie Mac Single-Family Seller/Servicer Guide Section 8102.1(c)
    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: "A Master Servicer must obtain Freddie Mac’s written approval to use a Servicing Agent"
    drafter_attestation: Copied verbatim from Freddie Mac Guide snapshot 5869ee9e606cd4ae (Chapter 8102) at 2026-05-22.
  promoted_at: '2026-05-23T00:40:05+00:00'
  promoted_from: fhlmc-8102-roundb-v1.yaml
  program_review: Does the program ensure Freddie Mac's written approval (executed Form 479A) is obtained BEFORE any Servicing Agent commences servicing activities?
  file_review: For each Servicing Agent, confirm an executed/acknowledged Form 479A predates the agent's first servicing activity.
  judgment: false
- id: fhlmc-8102-oversight-surveillance-program
  canonical_id: fhlmc-8102-oversight-surveillance-program
  section: "Freddie Mac Guide Section 8102.1(e) — Oversight and surveillance"
  description: '[LENDER], as Master Servicer, must establish an oversight and

    surveillance program to monitor its Servicing Agent''s compliance with

    the Servicing requirements of the Guide and other Purchase Documents

    applicable to the Master Servicer.

    '
  type: do
  audit_question: Can [LENDER] evidence the existence and operation of an oversight and surveillance program that monitors each Servicing Agent's compliance with the Freddie Mac Guide and other applicable Purchase Documents?
  workflow_phase: servicing
  owner_role: compliance_officer
  secondary_owner_role: default_servicing_analyst
  cadence: continuous
  consequence: ''
  tags:
  - round-b
  - regulator-direct
  - fhlmc
  - freddie-mac
  - servicing-guide
  - servicing-agents
  - oversight
  - surveillance
  - promoted
  primary_source:
    tier: 1
    authority: Freddie Mac Single-Family Seller/Servicer Guide Section 8102.1(e)
    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: The Master Servicer must establish an oversight and surveillance program to monitor its
    drafter_attestation: Copied verbatim from Freddie Mac Guide snapshot 5869ee9e606cd4ae (Chapter 8102) at 2026-05-22.
  promoted_at: '2026-05-23T00:40:05+00:00'
  promoted_from: fhlmc-8102-roundb-v1.yaml
  program_review: Does the program operate an oversight-and-surveillance program monitoring each Servicing Agent's compliance with the Guide and other applicable Purchase Documents?
  file_review: Review the oversight-program artifacts (monitoring reports, exception findings); the compliance person judges whether the surveillance is adequate to the agent's activity.
  judgment: true
- id: fhlmc-8102-notify-subservicing-agreement-expire-terminate
  canonical_id: fhlmc-8102-notify-subservicing-agreement-expire-terminate
  section: "Freddie Mac Guide Section 8102.1(b)(i) — Termination or expiration of Subservicing Agreement"
  description: '[LENDER], as Master Servicer, must notify Freddie Mac (see Directory

    3) in the event its Subservicing Agreement with an approved Servicing

    Agent expires or is terminated by either party within one Business Day

    of such an expiration or termination by submitting a new Form 479A.

    '
  type: notify
  audit_question: Can [LENDER] evidence that, for every expiration or termination of a Subservicing Agreement with an approved Servicing Agent, Freddie Mac was notified within one Business Day by submission of a new Form 479A?
  workflow_phase: servicing
  owner_role: compliance_officer
  secondary_owner_role: default_servicing_analyst
  cadence: per-subservicing-termination-event
  consequence: ''
  tags:
  - round-b
  - regulator-direct
  - fhlmc
  - freddie-mac
  - servicing-guide
  - servicing-agents
  - subservicing
  - termination
  - notification
  - promoted
  primary_source:
    tier: 1
    authority: Freddie Mac Single-Family Seller/Servicer Guide Section 8102.1(b)(i)
    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: A Master Servicer must notify Freddie Mac (see Directory 3) in the event its
    drafter_attestation: Copied verbatim from Freddie Mac Guide snapshot 5869ee9e606cd4ae (Chapter 8102) at 2026-05-22.
  promoted_at: '2026-05-23T00:40:05+00:00'
  promoted_from: fhlmc-8102-roundb-v1.yaml
  program_review: Does the program ensure that expiration/termination of a Subservicing Agreement with an approved Servicing Agent is notified to Freddie Mac within one Business Day via a new Form 479A?
  file_review: For any Subservicing Agreement that ended, confirm a new Form 479A was submitted within one Business Day.
  judgment: false
_promotion_history:
- promoted_at: '2026-05-23T00:40:05+00:00'
  candidate_path: obligations\_remediation\_round_b_drafts\fhlmc-8102-roundb-v1.yaml
  candidates_promoted: 3
  candidates_skipped_existing: 0
