source:
  type: regulation
  id: gnma-mbs-ch19
  authority: "Ginnie Mae MBS Guide Chapter 19 — Reporting Remaining Principal Balances"
  description: "GNMA MBS Guide Chapter 19 — monthly RPB (Remaining Principal Balance)\nreporting duty: correct RPB amounts for each pool and loan package no\nlater than 2nd business day; revised RPB report by 4th business day;\nno correction after 4th business day. Inaccurate or late RPB reporting\nis a Guaranty-Agreement failure to remit timely and accurate payment\nto security holders and exposes the Issuer to default and sanctions.\n"
obligations:
- id: gnma-mbs-ch19-report-rpb-2nd-business-day
  canonical_id: gnma-mbs-ch19-report-rpb-2nd-business-day
  section: "Ginnie Mae MBS Guide Ch. 19, Part 4 — RPB Reporting Deadlines"
  description: '[ISSUERS] are required to report correct RPB amounts for each pool

    and loan package no later than the second business day of each

    month. Ginnie Mae expects the RPB reported by the second business

    day to be complete and accurate. If [ISSUER] determines that

    adjustments are needed, [ISSUER] is required to submit a revised

    RPB report as soon as possible, but no later than the fourth

    business day of the month.

    '
  type: do
  audit_question: For every reporting month, can [ISSUER] evidence (i) complete and accurate RPB submission for each pool and loan package no later than the 2nd business day of the month, and (ii) any required revised RPB report submitted no later than the 4th business day of the month?
  workflow_phase: servicing
  owner_role: default_servicing_analyst
  secondary_owner_role: compliance_officer
  cadence: monthly
  consequence: ''
  tags:
  - round-b
  - regulator-direct
  - gnma
  - mbs-guide
  - ch19
  - rpb-reporting
  - 2nd-business-day
  - 4th-business-day
  - promoted
  primary_source:
    tier: 1
    authority: "Ginnie Mae MBS Guide Chapter 19, Part 4 — RPB Reporting Deadlines"
    source_class: gnma-mbs-guide
    source_url: https://www.ginniemae.gov/issuers/program_guidelines/MBSGuideLib/Chapter_19.pdf
    snapshot_id: aa7c00bc64775159
    fetched_at: '2026-05-23T00:30:00Z'
    content_hash: sha256:4c13d706d3a445a2bb4981f120a88a26ae3a5f5eb00fcbe553c7aaca239b4c3d
    paragraph_quote: 'Issuers are required to report correct RPB amounts for each pool and loan package no later '
    drafter_attestation: Copied verbatim from GNMA MBS Guide Chapter 19 snapshot aa7c00bc64775159 at 2026-05-23.
  promoted_at: '2026-05-23T01:32:25+00:00'
  promoted_from: gnma-mbs-ch19-roundb-v1.yaml
  program_review: Does the program ensure complete/accurate RPB amounts for each pool/loan package are reported by the 2nd business day, with any required revision submitted no later than the 4th business day?
  file_review: For each month, confirm RPB submission by the 2nd business day and any revision by the 4th business day.
  judgment: false
  feeds:
  - gnma-mbs-ch19-no-correction-after-4th-business-day
- id: gnma-mbs-ch19-rpb-inaccurate-equals-payment-failure
  canonical_id: gnma-mbs-ch19-rpb-inaccurate-equals-payment-failure
  section: "Ginnie Mae MBS Guide Ch. 19, Part 7 — Sanctions and Penalties"
  description: 'Both the failure to report RPBs and inaccurate RPB reporting are

    considered a failure by [ISSUER] to remit timely and accurate

    payment to security holders as required by the Guaranty Agreement.

    [ISSUERS] that fail to report timely and accurately to RFS,

    including the RPB data, may be subject to default and/or other

    sanctions by Ginnie Mae.

    '
  type: do
  audit_question: Can [ISSUER] evidence that RPB reporting to RFS for every reporting month was both timely and accurate, with no missing or inaccurate RPB submissions that would be considered a failure to remit timely and accurate payment to security holders?
  workflow_phase: servicing
  owner_role: default_servicing_analyst
  secondary_owner_role: compliance_officer
  cadence: monthly
  consequence: ''
  tags:
  - round-b
  - regulator-direct
  - gnma
  - mbs-guide
  - ch19
  - rpb-accuracy
  - sanctions
  - promoted
  primary_source:
    tier: 1
    authority: "Ginnie Mae MBS Guide Chapter 19, Part 7 — Sanctions and Penalties"
    source_class: gnma-mbs-guide
    source_url: https://www.ginniemae.gov/issuers/program_guidelines/MBSGuideLib/Chapter_19.pdf
    snapshot_id: aa7c00bc64775159
    fetched_at: '2026-05-23T00:30:00Z'
    content_hash: sha256:4c13d706d3a445a2bb4981f120a88a26ae3a5f5eb00fcbe553c7aaca239b4c3d
    paragraph_quote: 'Both the failure to report RPBs and inaccurate RPB reporting are considered a failure by the '
    drafter_attestation: Copied verbatim from GNMA MBS Guide Chapter 19 snapshot aa7c00bc64775159 at 2026-05-23.
  promoted_at: '2026-05-23T01:32:25+00:00'
  promoted_from: gnma-mbs-ch19-roundb-v1.yaml
  program_review: Does the program ensure RPB reporting to RFS is timely AND accurate every month, since failure-to-report and inaccurate RPB both count as failure to remit timely/accurate payment to security holders (default/sanction risk)?
  file_review: Review RPB submissions for the period; confirm none was missing or inaccurate. The compliance person judges whether reported RPBs were accurate.
  judgment: true
- id: gnma-mbs-ch19-no-correction-after-4th-business-day
  canonical_id: gnma-mbs-ch19-no-correction-after-4th-business-day
  section: "Ginnie Mae MBS Guide Ch. 19, Part 4 — RPB Reporting Deadlines"
  description: 'After the fourth business day of a month, the [ISSUER]-reported RPB

    cannot be corrected, even if the issuer subsequently determines

    that the reported RPB is incorrect. Operational consequence:

    [ISSUER]''s RPB review and revision must complete by close of the

    4th business day each month.

    '
  type: monitor
  audit_question: For every reporting month, can [ISSUER] evidence that RPB review and any revisions completed by the close of the 4th business day, and that no post-4th-business-day RPB correction was attempted on a determined-incorrect reported RPB?
  workflow_phase: servicing
  owner_role: default_servicing_analyst
  secondary_owner_role: compliance_officer
  cadence: monthly
  consequence: ''
  tags:
  - round-b
  - regulator-direct
  - gnma
  - mbs-guide
  - ch19
  - rpb-finalization
  - 4th-business-day-hard-stop
  - promoted
  primary_source:
    tier: 1
    authority: "Ginnie Mae MBS Guide Chapter 19, Part 4 — RPB Reporting Deadlines"
    source_class: gnma-mbs-guide
    source_url: https://www.ginniemae.gov/issuers/program_guidelines/MBSGuideLib/Chapter_19.pdf
    snapshot_id: aa7c00bc64775159
    fetched_at: '2026-05-23T00:30:00Z'
    content_hash: sha256:4c13d706d3a445a2bb4981f120a88a26ae3a5f5eb00fcbe553c7aaca239b4c3d
    paragraph_quote: 'After the fourth business day of a month, the Issuer reported RPB cannot be corrected, even if '
    drafter_attestation: Copied verbatim from GNMA MBS Guide Chapter 19 snapshot aa7c00bc64775159 at 2026-05-23.
  promoted_at: '2026-05-23T01:32:25+00:00'
  promoted_from: gnma-mbs-ch19-roundb-v1.yaml
  program_review: Does the program ensure RPB review/revision completes by close of the 4th business day, since reported RPB cannot be corrected after that even if later found incorrect?
  file_review: Confirm RPB review/revision completed by the 4th business day and that no post-4th-business-day correction was attempted on a known-incorrect RPB.
  judgment: false
_promotion_history:
- promoted_at: '2026-05-23T01:31:40+00:00'
  candidate_path: obligations\_remediation\_round_b_drafts\gnma-mbs-ch19-roundb-v1.yaml
  candidates_promoted: 0
  candidates_skipped_existing: 0
- promoted_at: '2026-05-23T01:32:25+00:00'
  candidate_path: obligations\_remediation\_round_b_drafts\gnma-mbs-ch19-roundb-v1.yaml
  candidates_promoted: 3
  candidates_skipped_existing: 0
