Freddie Mac Single-Family Seller/Servicer Guide §2404.1 — System-Specific License for Specifications (12/17/25)
Freddie Mac Guide §2404.1 (System-Specific License for Specifications). Gap-fill (verbatim, ID-diff).
Verbatim regulatory text
Verbatim provisions from Freddie Mac Single-Family Seller/Servicer Guide §2404.1 — System-Specific License for Specifications (12/17/25) — 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 2404.1
(12/17/25) This section contains requirements related to: ■ Scope and applicability ■ Definitions ■ Provision of the Specifications; development and use of the Interface ■ Representations and warranties (a) Scope and applicability The Specifications are licensed pursuant to this System-Specific License and the Master Systems License. Immediately upon a User’s first receipt of any Specifications on or after the Effective Date, the Seller/Servicer shall be bound by this System-Specific License and the Master Systems License. This System-Specific License is incorporated into and made a part of the Master Systems License by this reference. Any reference herein to the System-Specific License shall be deemed to include this System-Specific License and the Master Systems License. Notwithstanding any applicable Purchase Document, the Servicer shall only access and use a Servicing Tool with Authentication Credentials and other Confidential Means of Access that are specifically assigned or provisioned to an Authorized User by means of a System. (b) Definitions The definitions below apply for purposes of this System-Specific License. Capitalized terms used but not defined in this System-Specific License have the meaning set forth in the Glossary, the Master Systems License (Chapter 2401) or elsewhere in the Guide: Definitions related to the System-Specific License for specifications C Consumer Message A finding or message developed by the Seller/Servicer that is readily understood by a consumer and is made available to
Freddie Mac Guide 2404.1
-Family Seller/Servicer Bulletin Chapter 2404 As of 04/08/26
Freddie Mac Guide 2404.1
404-2 such consumer by the Seller/Servicer through the Lender Platform I Interface One or more technical or user interfaces developed, owned and/or maintained by or on behalf of the Seller/Servicer that enables Users to communicate with and use one or more Systems through the transmission and receipt of data and other information to and from, each such System by means of the Lender Platform L L L2C Specifications Any lender-to-consumer Specifications provided to the Seller/Servicer that enable it to develop Consumer Messages Lender Platform A custom or other Servicing technology platform (including any web-based application, software or system, as well as each Interface and all releases, upgrades and other modifications thereto) developed, owned and/or maintained by or on behalf of the Seller/Servicer Lender Test Materials The meaning is set forth in Section 2404.1(c)(v) S Specifications The specifications, including L2C Specifications, integration guides and any related technical documentation provided by or on behalf of Freddie Mac to enable the development and maintenance of each Interface and Consumer Message, as applicable, including any Specification Update Specification Update The meaning is set forth in Section 2404.1(c)(iii) (c) Provision of the Specifications; development and use of the Interface i. Freddie Mac may provide discrete sets of Specifications to the Seller/Servicer to facilitate the Seller/Servicer’s development of Consumer Messages and one or more Interfaces relating to one or more Systems. Each set of Specifications is incorporated into this System-Specific License by this reference and constitutes confidential information for purposes of Sections 1201.8 and 2401.1(g)(i). Note: The terms and conditions of this System-Specific License shall apply to all Specifications separately provided by Freddie Mac.
Freddie Mac Guide 2404.1
-Family Seller/Servicer Bulletin Chapter 2404 As of 04/08/26
Freddie Mac Guide 2404.1
404-3 ii. The Seller/Servicer shall develop and maintain the Interface and each Consumer Message solely and exclusively at its own direction, cost and expense, and shall have complete and exclusive ownership of the Interface subject to the license set forth in Section 2404.1(c)(vii). iii. The Seller/Servicer shall be solely responsible for the accuracy, technical sufficiency and functionality of the Interface. The Interface shall at all times comply in all respects with the Specifications, including any modifications to or replacements of the Specifications (each such modified or replaced version of a Specification referred to herein as a “Specification Update”) as Freddie Mac may undertake from time to time. iv. The Seller/Servicer shall be solely responsible for the accuracy of each Consumer Message, each of which shall at all times comply in all respects with (i) the Specifications, including the L2C Specifications, and (ii) all federal, State and local laws, rules and regulations applicable to a Consumer Message, including, without limitation, the Real Estate Settlement Procedures Act, the Truth in Lending Act, the Fair Credit Reporting Act, the Equal Credit Opportunity Act and the Home Mortgage Disclosure Act and each of their implementing regulations and commentary, as applicable. Freddie Mac has the right, but not the obligation, to review and comment on each Consumer Message. The Seller/Servicer shall promptly make (or cause to be made) any modifications to a Consumer Message that Freddie Mac may request, and in no event shall any Consumer Message contain any (x) Output, including, without limitation, any credit risk categorization, or (y) reference to Freddie Mac or a System which reference has not previously been approved in writing by an officer of Freddie Mac. v. Except as set forth below in Section 2404.1(c)(vi), the Seller/Servicer and Freddie Mac may mutually agree to test the Seller/Servicer’s implementation of the Specifications. In such event, Freddie Mac may retain a third-party vendor to perform such testing on Freddie Mac’s behalf, and the Seller/Servicer shall provide to Freddie Mac and/or its vendor (A) one access privilege or one copy of the Lender Platform, (B) one copy of each export and any other file (including any Consumer Message), along with any associated documentation that includes the results of the Seller/Servicer’s testing (collectively with the Lender Platform, the “Lender Test Materials”) and (C) reasonable assistance in such testing. The Seller/Servicer shall use commercially reasonable efforts to correct any defects in the Interface revealed by any such testing. In addition to the foregoing, the Seller/Servicer will correct any “bugs” or other defects in the Interface promptly after it receives notice thereof from Freddie Mac. vi. Freddie Mac periodically provides Specification Updates to the Seller/Servicer, which the Seller/Servicer shall implement in accordance with the timelines and testing requirements (if any) set forth in each Specification Update: (A) Freddie Mac will provide the Seller/Servicer with as much notice as is practicable under the circumstances with respect to each Specification Update, including any
Freddie Mac Guide 2404.1
-Family Seller/Servicer Bulletin Chapter 2404 As of 04/08/26
Freddie Mac Guide 2404.1
404-4 such update that Freddie Mac directs the Seller/Servicer to implement on an emergency basis (B) If Freddie Mac does not specify an implementation timeline for a Specification Update, the implementation date shall be ninety (90) days after publication of the Specification Update (C) If a Specification Update sets forth testing requirements, the Seller/Servicer shall not implement an associated version of its Interface or any related Consumer Message until Freddie Mac has successfully conducted its review and, as applicable, testing with the Seller/Servicer vii. The Seller/Servicer hereby grants to Freddie Mac a royalty free, nonexclusive, nontransferable license to use the Lender Test Materials for testing and evaluation purposes as permitted under this Section 2404.1(c). (d) Representations and warranties In addition to representations and warranties made and otherwise referenced in the Master Systems License, the Seller/Servicer represents and warrants to Freddie Mac that: i. The Interface will comply with the Specifications ii. Each Consumer Message will comply with all laws and regulations as set forth in Section 2402.1(c)(iv) iii. The Interface will accurately transmit to the System all data and information input into the Interface, iv. The Lender Platform will not violate any patents, copyrights or other proprietary rights belonging to third parties and v. The Seller/Servicer will use its best efforts to ensure that the Lender Platform will at all times be and remain free of computer viruses and any code designed to cause the System to malfunction or self-destruct or to allow unauthorized access or cause harm to the System