FNMA Servicing Guide D2-1 — Working with a Borrower Who is Facing Default

fnma-svc-d2-1

Servicing Guide Chapter D2-1 governs imminent-default evaluation and the prohibition on soliciting current/<30-day-delinquent borrowers.

Get this register: .xlsx .csv More bundles →

source:
  type: regulation
  id: fnma-svc-d2-1
  authority: FNMA Servicing Guide D2-1 — Working with a Borrower Who is Facing Default
  description: |
    Servicing Guide Chapter D2-1 governs imminent-default evaluation and the prohibition on soliciting current/<30-day-delinquent borrowers.
obligations:
  - id: fnma-svc-d2-1-evaluate-imminent-default
    canonical_id: fnma-svc-d2-1-evaluate-imminent-default
    section: FNMA Servicing Guide D2-1-01 — Determining if the Borrower's Mortgage Payment is in Imminent Default
    description: |
      [LENDER] must consider available workout options when [LENDER] is
      notified or otherwise becomes aware of events or factors that are
      expected to cause the borrower's monthly payment to be in default
      within the next 90 days ("imminent default").
    type: do
    audit_question: For every Fannie Mae mortgage loan where [LENDER] is notified or aware of factors expected to cause default within 90 days, can [LENDER] evidence consideration of available workout options consistent with D2-1-01?
    program_review: Does the program ensure available workout options are considered when the servicer is notified/aware of factors expected to cause default within 90 days (imminent default)?
    file_review: For imminent-default flagged loans, confirm consideration of available workout options. The compliance person judges whether the imminent-default factors were properly recognized.
    judgment: true
    feeds: []
    workflow_phase: servicing
    owner_role: loss_mitigation_specialist
    secondary_owner_role: default_servicing_analyst
    cadence: per-event
    consequence: ''
    tags:
      - round-b
      - regulator-direct
      - fnma
      - servicing-guide
      - imminent-default
      - workout
      - promoted
    primary_source:
      tier: 1
      authority: FNMA Servicing Guide D2-1-01
      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: The servicer must consider available workout options when the servicer is notiﬁed or otherwise becomes aware
      drafter_attestation: |
        Copied verbatim from FNMA Servicing Guide snapshot cf63a82bbb4adfba (chapter D2-1) at 2026-05-22.
    promoted_at: '2026-05-23T00:25:12+00:00'
    promoted_from: fnma-svc-d2-1-roundb-v1.yaml
  - id: fnma-svc-d2-1-no-solicit-current-borrowers
    canonical_id: fnma-svc-d2-1-no-solicit-current-borrowers
    section: FNMA Servicing Guide D2-1-01 — Evaluating a Borrower Facing Imminent Default
    description: |
      [LENDER] must not solicit borrowers who are current or less than 30
      days delinquent for a workout option.
    type: dont
    audit_question: Can [LENDER] evidence that no workout-option solicitation was sent to any Fannie Mae borrower who was current or less than 30 days delinquent at the time of the solicitation?
    program_review: Does the program ensure no workout-option solicitation is sent to borrowers who are current or less than 30 days delinquent?
    file_review: Review workout solicitations; confirm none went to a borrower current or <30 days delinquent at solicitation.
    judgment: false
    feeds: []
    workflow_phase: servicing
    owner_role: loss_mitigation_specialist
    secondary_owner_role: compliance_officer
    cadence: continuous
    consequence: ''
    tags:
      - round-b
      - regulator-direct
      - fnma
      - servicing-guide
      - solicitation-prohibition
      - workout
      - promoted
    primary_source:
      tier: 1
      authority: FNMA Servicing Guide D2-1-01
      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: The servicer must not solicit borrowers who are current or less than 30 days delinquent for a workout option.
      drafter_attestation: |
        Copied verbatim from FNMA Servicing Guide snapshot cf63a82bbb4adfba (chapter D2-1) at 2026-05-22.
    promoted_at: '2026-05-23T00:25:12+00:00'
    promoted_from: fnma-svc-d2-1-roundb-v1.yaml
_promotion_history:
  - promoted_at: '2026-05-23T00:25:12+00:00'
    candidate_path: C:\Users\earlc\broker-tools\obligations\_remediation\_round_b_drafts\fnma-svc-d2-1-roundb-v1.yaml
    candidates_promoted: 2
    candidates_skipped_existing: 0

Verbatim regulatory text (2)

Verbatim provisions from FNMA Servicing Guide D2-1 — Working with a Borrower Who is Facing Default — 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.

FNMA Servicing Guide D2-1-01 — Determining if the Borrower's Mortgage Payment is in Imminent Default

The servicer must consider available workout options when the servicer is notiﬁed or otherwise becomes aware

Source: FNMA Servicing Guide D2-1-01 · source URL · snapshot cf63a82bbb4adfba

FNMA Servicing Guide D2-1-01 — Evaluating a Borrower Facing Imminent Default

The servicer must not solicit borrowers who are current or less than 30 days delinquent for a workout option.

Source: FNMA Servicing Guide D2-1-01 · source URL · snapshot cf63a82bbb4adfba