Freddie Mac issued Bulletin 2025-14 (Bulletin) announcing revisions to the Single-Family Seller/Servicer Guide. Per the Bulletin, Freddie Mac:
- Updated payoff remittance requirements related to Payoff Draft Date 18 Mortgages;
- Revised an existing Specifications System-Specific License and added a Resolve System-Specific License in new Section 2404.9 (System Specific License for Resolve) that includes a limited liability waiver associated with servicers’ use of Resolve as well as a limited agency designation in connection with servicers’ exchange of consumer credit data in Resolve;
- Provided new capabilities to the Resolve platform by allowing servicers to submit repayment plans and forbearance agreements through the Resolve application programming interface functionality;
- Updated several topics related to information security;
- Clarified servicing requirements for a low-interest bearing unpaid principal balance (UPB) and a deferred UPB mortgage that are either approaching the mortgage maturity date or projected payoff date of the interest-bearing UPB (“projected payoff date”);
- Announced in Bulletin 2025-13 the removal of the restriction on using negotiated provisions with Community Land Trust mortgages and added clarifications in sections 4502.1 (Overview for Community Land Trust), 4502.3 (Eligible and Ineligible Community Land Trust Mortgages), 4502.7 (Requirements for Community Land Trust Ground Leases and Ground Lease Riders) and 4204.2 (Affordable Seconds) for ease of use. With this update, the same clarifications added to sections 4502.1, 4502.3, 4502.7 and 4204.2 have been made to Chapter 8701 (Servicing Community Land Trust Mortgages) around excess proceeds for Community Land Trust mortgages;
- Updated the timeline for servicers to submit intra-Servicer portfolio transfers to align with requirements in Servicing Transfer Manager by requiring servicers to submit requests for intra-Servicer portfolio transfers at least 30 days but not more than 60 days prior to the requested effective date change;
- Updated Custodial Account designation requirements to include the servicing agent’s name, when applicable;
- Updated requirements related to anti-money laundering (AML) compliance and reporting AML non-compliance and Suspicious Activity for all servicers, including those not subject to the AML provisions of the Bank Secrecy Act, added guidance for detecting red flags and reporting possible fraud and Suspicious Activity, and notified servicers that the Freddie Mac Exclusionary List will be accessible via Freddie Mac Gateway; and
- Retired Chapter 9502 (Retention of Counsel for Freddie Mac Default Legal Matters ), which included requirements related to Freddie Mac Default Legal Matters referred prior to August 1, 2013.
Revisions related to requirements related to anti-money laundering (AML) compliance and reporting AML non-compliance and Suspicious Activity are effective October 13, 2025. Revisions related to updates to several topics related to information security are effective January 1, 2026. Revisions related to new capabilities when submitting repayment plans and forbearance agreements through the Resolve application programming interface (API) functionality are effective December 8, 2025. Revision related to updates to Payoff Draft Date 18 Mortgages are effective November 3, 2025. All other revisions went into effect October 8, 2025.
Click to view the FHLMC Guide Bulletin 2025-14: https://www.tenaco.com/wp-content/uploads/2025/10/FHLMC-Guide-Bulletin-2025-14-10-08-25.pdf
