source:
  type: regulation
  id: fhlmc-bulletin-2026-5
  authority: Freddie Mac Single-Family Seller/Servicer Guide Bulletin 2026-5 (Servicing)
  status: in-force
  description: 'Freddie Mac Bulletin 2026-5 (Servicing): business-impact-analysis effective date moved to May 11, 2026; new Private Selling Officer expense codes; information-security software requirements; Payoff Draft Date 18 delivery. Snapshot mirrors the official Freddie PDF.'
obligations:
- id: fhlmc-bulletin-2026-5-business-impact-analysis
  canonical_id: fhlmc-bulletin-2026-5-business-impact-analysis
  section: Freddie 2026-5 — business-impact-analysis effective date (Sections 1302.2/1302.3)
  description: Freddie Mac moved the effective date for the previously announced business-impact-analysis requirements to May 11, 2026.
  type: do
  audit_question: Has [SVCR] aligned its business-impact-analysis program to the May 11, 2026 effective date per Freddie Bulletin 2026-5?
  workflow_phase: compliance
  owner_role: cco
  secondary_owner_role: cco
  cadence: per-bulletin
  consequence: Missing a GSE bulletin change risks repurchase, servicing penalties, or non-compliance findings.
  tags:
  - fhlmc
  - bulletin-2026-5
  - business-continuity
  - information-security
  - effective-2026-05-11
  - promoted
  primary_source:
    tier: 1
    authority: Freddie Mac Single-Family Seller/Servicer Guide Bulletin 2026-5 (Servicing)
    source_class: gse-bulletin
    source_url: https://www.tenaco.com/wp-content/uploads/2026/04/Freddie-Mac-Guide-Bulletin-2026-5-04-08-26.pdf
    snapshot_id: 6eaa2ad77fd901ea
    fetched_at: '2026-06-08T00:00:00Z'
    content_hash: sha256:placeholder-snapshot-content-hash-from-source-json
    paragraph_quote: With this Bulletin, we are updating the effective date for these requirements from January 1, 2027 to May 11, 2026.
    drafter_attestation: Verbatim from Freddie Bulletin 2026-5 snapshot. BIA effective-date change.
  program_review: Does the program meet the business-impact-analysis requirements by the May 11, 2026 effective date?
  file_review: Confirm the business-impact-analysis is in place per the new effective date.
  judgment: false
