source:
  type: guide
  id: fnma-svc-e-2.1-10
  authority: Fannie Mae Servicing Guide E-2.1-10 — Dealing with Delays in the Bankruptcy
    Process
  description: Fannie Mae Servicing Guide E-2.1-10 — Dealing with Delays in the Bankruptcy
    Process.
  coverage_tier: operative
obligations:
- id: fnma-svc-e-2.1-10-full
  canonical_id: fnma-svc-e-2.1-10-full
  section: Fannie Mae Servicing Guide E-2.1-10 — Dealing with Delays in the Bankruptcy
    Process
  type: do
  tags:
  - regulator-direct
  - fnma
  - servicing-guide
  - corpus-expansion
  - tier-operative
  primary_source:
    tier: 1
    authority: Fannie Mae Servicing Guide E-2.1-10 — Dealing with Delays in the Bankruptcy
      Process
    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: 'E-2.1-10, Dealing with Delays in the Bankruptcy Process (11/12/2014)
      The bankruptcy timelines in this chapter represent expected time frames within
      which Fannie Mae expects a routine bankruptcy proceeding to be concluded, given
      the applicable legal requirements. Fannie Mae recognizes there are a variety
      of issues that may cause delays in completing bankruptcy cases. Examples of
      potential delays in the bankruptcy process include: Published May 13, 2026 420
      the borrower performing in accordance with an adequate protection order or stipulation,
      a bankruptcy trustee attempting to sell the property securing the mortgage loan,
      or jurisdictional constraints being present. The servicer must ensure all pre-petition
      and post-petition payments are properly applied and monitored in accordance
      with all applicable laws and as described in Processing Pre-Petition and Post-Petition
      Payments in E-2.2-04, Managing Chapter 13 Bankruptcies. The servicer is responsible
      and accountable for any and all timeline delays attributable to the law ﬁrm.
      Recent Related Announcements There are no recently issued Announcements related
      to this topic.'
  judgment: false
