Freddie Mac Single-Family Seller/Servicer Guide Chapter 9101 — Delinquency Management for Mortgages Secured by Primary Residences

fhlmc-9101

Chapter 9101 governs collection efforts, Borrower communications, foreclosure postponement, and management of the appeals process for denial of a Trial Period Plan, for Mortgages secured by Primary Residences. NOTE: actual title is "Delinquency Management for Mortgages Secured by Primary Residences".

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source:
  type: regulation
  id: fhlmc-9101
  authority: Freddie Mac Single-Family Seller/Servicer Guide Chapter 9101 — Delinquency Management for Mortgages Secured by Primary Residences
  description: |
    Chapter 9101 governs collection efforts, Borrower communications,
    foreclosure postponement, and management of the appeals process for
    denial of a Trial Period Plan, for Mortgages secured by Primary
    Residences. NOTE: actual title is "Delinquency Management for
    Mortgages Secured by Primary Residences".
obligations:
  - id: fhlmc-9101-individualized-collection-techniques
    canonical_id: fhlmc-9101-individualized-collection-techniques
    section: Freddie Mac Guide Section 9101.1(a) — Servicer collection efforts
    description: |
      [LENDER] must treat each Delinquency individually by varying the
      collection techniques to fit the individual circumstances, and must
      avoid establishing a fixed routine — particularly when dealing with
      chronically delinquent Borrowers.
    type: do
    audit_question: Can [LENDER] evidence that, for each delinquent Freddie Mac-serviced Mortgage secured by a Primary Residence, collection techniques were varied to fit individual circumstances rather than applied as a fixed routine?
    program_review: Does the program facilitate varying collection techniques to fit individual circumstances rather than a fixed routine, especially for chronically delinquent Borrowers?
    file_review: Review collection notes on delinquent Primary-Residence loans; the compliance person judges whether techniques were individualized rather than a fixed routine.
    judgment: true
    feeds:
      - fhlmc-9101-refer-to-loss-mit-on-risk-of-loss
    workflow_phase: servicing
    owner_role: default_servicing_analyst
    secondary_owner_role: compliance_officer
    cadence: per-delinquency-event
    consequence: ''
    tags:
      - round-b
      - regulator-direct
      - fhlmc
      - freddie-mac
      - servicing-guide
      - delinquency-management
      - collections
      - promoted
    primary_source:
      tier: 1
      authority: Freddie Mac Single-Family Seller/Servicer Guide Section 9101.1(a)
      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 Servicer must treat each Delinquency individually by varying the collection techniques
      drafter_attestation: Copied verbatim from Freddie Mac Guide snapshot 5869ee9e606cd4ae (Chapter 9101) at 2026-05-22.
    promoted_at: '2026-05-23T00:55:44+00:00'
    promoted_from: fhlmc-9101-roundb-v1.yaml
  - id: fhlmc-9101-refer-to-loss-mit-on-risk-of-loss
    canonical_id: fhlmc-9101-refer-to-loss-mit-on-risk-of-loss
    section: Freddie Mac Guide Section 9101.1(a) — Loss mitigation referral on risk of loss
    description: |
      If there is a known potential risk of loss or ownership to Freddie
      Mac, [LENDER] must refer the Borrower for loss mitigation
      immediately.
    type: do
    audit_question: Can [LENDER] evidence that, on every known potential risk of loss or ownership to Freddie Mac, the Borrower was referred for loss mitigation immediately?
    program_review: Does the program ensure that on any known potential risk of loss/ownership to Freddie Mac the Borrower is referred for loss mitigation immediately?
    file_review: Start with the servicing notes to confirm the ball moved forward — that a known risk-of-loss triggered an immediate loss-mit referral. The compliance person judges whether the risk was known and the referral timely.
    judgment: true
    feeds: []
    workflow_phase: servicing
    owner_role: default_servicing_analyst
    secondary_owner_role: loss_mitigation_specialist
    cadence: per-risk-event
    consequence: ''
    tags:
      - round-b
      - regulator-direct
      - fhlmc
      - freddie-mac
      - servicing-guide
      - delinquency-management
      - loss-mitigation-referral
      - promoted
    primary_source:
      tier: 1
      authority: Freddie Mac Single-Family Seller/Servicer Guide Section 9101.1(a)
      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: If there is a known potential risk of loss or ownership to Freddie Mac, the Borrower must be
      drafter_attestation: Copied verbatim from Freddie Mac Guide snapshot 5869ee9e606cd4ae (Chapter 9101) at 2026-05-22.
    promoted_at: '2026-05-23T00:55:44+00:00'
    promoted_from: fhlmc-9101-roundb-v1.yaml
  - id: fhlmc-9101-ach-missed-contact-48hrs
    canonical_id: fhlmc-9101-ach-missed-contact-48hrs
    section: Freddie Mac Guide Section 9101.1(b) — Borrowers on automatic withdrawal (ACH)
    description: |
      If an ACH payment cannot be processed on the specified date the
      Borrower has agreed to, [LENDER] must begin efforts to contact the
      Borrower within 48 hours to determine the reason for the missed
      payment.
    type: do
    audit_question: Can [LENDER] evidence that, for every ACH payment that could not be processed on the agreed-upon date, efforts to contact the Borrower were begun within 48 hours to determine the reason for the missed payment?
    program_review: Does the program ensure that when an agreed ACH payment cannot be processed, Borrower-contact efforts begin within 48 hours to determine the reason?
    file_review: For failed-ACH events, confirm from the notes that contact efforts began within 48 hours.
    judgment: false
    feeds: []
    workflow_phase: servicing
    owner_role: default_servicing_analyst
    secondary_owner_role: compliance_officer
    cadence: per-failed-ach-event
    consequence: ''
    tags:
      - round-b
      - regulator-direct
      - fhlmc
      - freddie-mac
      - servicing-guide
      - delinquency-management
      - ach
      - 48-hour-contact
      - promoted
    primary_source:
      tier: 1
      authority: Freddie Mac Single-Family Seller/Servicer Guide Section 9101.1(b)
      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: processed on the specified date the Borrower has agreed to, the Servicer must begin efforts to
      drafter_attestation: Copied verbatim from Freddie Mac Guide snapshot 5869ee9e606cd4ae (Chapter 9101) at 2026-05-22.
    promoted_at: '2026-05-23T00:55:44+00:00'
    promoted_from: fhlmc-9101-roundb-v1.yaml
_promotion_history:
  - promoted_at: '2026-05-23T00:55:44+00:00'
    candidate_path: obligations\_remediation\_round_b_drafts\fhlmc-9101-roundb-v1.yaml
    candidates_promoted: 3
    candidates_skipped_existing: 0

Verbatim regulatory text (3)

Verbatim provisions from Freddie Mac Single-Family Seller/Servicer Guide Chapter 9101 — Delinquency Management for Mortgages Secured by Primary Residences — each quote is a verified substring of the regulator-published source snapshot, not retyped. Quoted for reference; this is not legal advice. The operational layer (P&P updates, prompts) lives in the regulation update kits.

Freddie Mac Guide Section 9101.1(a) — Servicer collection efforts

The Servicer must treat each Delinquency individually by varying the collection techniques

Source: Freddie Mac Single-Family Seller/Servicer Guide Section 9101.1(a) · source URL · snapshot 5869ee9e606cd4ae

Freddie Mac Guide Section 9101.1(a) — Loss mitigation referral on risk of loss

If there is a known potential risk of loss or ownership to Freddie Mac, the Borrower must be

Source: Freddie Mac Single-Family Seller/Servicer Guide Section 9101.1(a) · source URL · snapshot 5869ee9e606cd4ae

Freddie Mac Guide Section 9101.1(b) — Borrowers on automatic withdrawal (ACH)

processed on the specified date the Borrower has agreed to, the Servicer must begin efforts to

Source: Freddie Mac Single-Family Seller/Servicer Guide Section 9101.1(b) · source URL · snapshot 5869ee9e606cd4ae

Operationalizing Freddie Mac Single-Family Seller/Servicer Guide Chapter 9101 — Delinquency Management for Mortgages Secured by Primary Residences

This is verbatim, source-snapshotted regulator text from the Claude for Compliance open corpus. To turn a rule like this into compliance work product: gap-analyze your policies and procedures (P&Ps) against these requirements to surface stale, conflicting, or missing provisions; operationalize any change with a ready-to-run update kit; and produce audit-ready evidence — every step grounded only in the regulator’s own words, never invented.

Source of record: https://claudeforcompliance.com/regs/fhlmc-9101/ · register fhlmc-9101 · Claude for Compliance. Free to read and download; see regulatory updates and methodology.