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    <title>Lender/Issuer/Servicer News</title>
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      <![CDATA[]]>
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    <item>
      <title>Fannie Answers Borrower Income-Related Questions</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[In today’s gig economy, sometimes the hardest job for a lender is figuring out how to calculate a borrower’s income.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236999</guid>
      <pubDate>Fri, 20 Mar 2026 14:16:15 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236999-fannie-answers-income-questions</link>
    </item>
    <item>
      <title>GSEs Ease Condo Rules for Property Insurance</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[FHFA greenlights the use of actual cash value insurance to cover the roofs of condos; all other elements of the project will still require replacement value policies, though.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236998</guid>
      <pubDate>Fri, 20 Mar 2026 14:15:17 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236998-gses-ease-condo-rules</link>
    </item>
    <item>
      <title>Freddie Seeks Transparency From Lenders Using AI</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[The growing sophistication of AI use is now reflected in an updated policy to manage the risk associated with the tech.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236093</guid>
      <pubDate>Fri, 05 Dec 2025 13:38:20 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236093-freddie-hones-ai-policy</link>
    </item>
    <item>
      <title>GSE Roundup</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[Freddie board member jumps to Fannie board; a week of CAS and STACR tender offers; and seller/servicer guidance for the shutdown.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/235590</guid>
      <pubDate>Fri, 10 Oct 2025 16:08:31 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/235590-gse-round-up</link>
    </item>
    <item>
      <title>GSEs Updating the UMDP, Including Credit Score Changes</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[The GSEs continue the modernization of the datasets critical to the mortgage industry, including updates that will be key to the implementation of multiple credit scores for mortgage borrowers.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/235390</guid>
      <pubDate>Fri, 26 Sep 2025 14:53:08 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/235390-updating-the-umdp</link>
    </item>
    <item>
      <title>GSE Roundup</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[Fannie ditches legacy terminology related to appraisals; Freddie prices a $707 million SCRT; PIMCO buys 3,044 RPLs from Fannie.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/235334</guid>
      <pubDate>Fri, 12 Sep 2025 15:00:20 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/235334-gse-roundup</link>
    </item>
    <item>
      <title>GSEs Update Standards for Condo Eligibility</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[Starting in October, properties that are part of a condo project in insolvency proceedings will not be eligible for GSE loans. The rule applies immediately if the lender is already aware of the proceedings.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/234713</guid>
      <pubDate>Thu, 03 Jul 2025 12:54:16 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/234713-fannie-guidance-on-condo-eligibility</link>
    </item>
    <item>
      <title>GSEs Close to Implementing Appraisal Changes</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[As the seven-plus-year redesign of the UAD and the URAR nears completion, the GSEs prepare industry stakeholders for the changes.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/234578</guid>
      <pubDate>Fri, 20 Jun 2025 15:14:45 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/234578-countdown-to-uad-36</link>
    </item>
    <item>
      <title>Updates to the GSEs’ Seller/Servicer Guides</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[Fannie and Freddie both issued sellers guide updates alerting lenders to upcoming changes to UAD 3.6 and URAR. Other updates affect quality control procedures, measurement standards and attorney fees.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/234593</guid>
      <pubDate>Fri, 20 Jun 2025 15:11:47 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/234593-updates-to-the-gses-seller-servicer-guides</link>
    </item>
    <item>
      <title>Freddie Updates Multifamily Insurance Standards</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[All insurance policies related to multifamily mortgage applications must now include the borrower as a “named insured” party.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/234487</guid>
      <pubDate>Fri, 06 Jun 2025 14:20:43 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/234487-freddie-updates-insurance-standards-in-mf-sellers-guide</link>
    </item>
    <item>
      <title>Fannie Updates Foreclosure Time Frames</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[The time frames for servicers to complete routine foreclosures will expand in 17 states and shorten in four others.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/234000</guid>
      <pubDate>Fri, 11 Apr 2025 15:02:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/234000-fannie-updates-foreclosure-time-frames</link>
    </item>
    <item>
      <title>Freddie Updates Servicing Transfer Procedures</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[Updates will automate parts of the voluntary partial-cancellation process that are currently manual. This tool will be available through Freddie’s Gateway portal.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/233594</guid>
      <pubDate>Fri, 28 Feb 2025 14:36:02 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/233594-freddie-updates-servicing-transfer-procedures</link>
    </item>
    <item>
      <title>New Cybersecurity Rules for Fannie Seller/Servicers</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[Fannie seller/servicers must now have information security programs that meet NIST or ISO standards.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/233456</guid>
      <pubDate>Fri, 14 Feb 2025 16:03:00 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/233456-new-cybersecurity-rules-for-fannie-seller-servicers</link>
    </item>
    <item>
      <title>Freddie Mac Unveils New Portal for Single-Family</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[No more tabbing back and forth between Loan Advisor and Servicing Gateway to find the tools you need. All Freddie’s single-family technology will now be available through its new Gateway portal.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/233343</guid>
      <pubDate>Fri, 31 Jan 2025 15:01:22 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/233343-freddie-mac-unveils-new-portal-for-single-family</link>
    </item>
    <item>
      <title>Should GSEs Be Liable for Third-Party UDAP Violations?</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[MBA revisits complaints about a new regulation that requires the GSEs to certify that third-party service providers are compliant with FTC rules covering unfair or deceptive acts or practices.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/233087</guid>
      <pubDate>Fri, 03 Jan 2025 13:55:15 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/233087-should-gses-be-liable-for-third-party-udap-violations</link>
    </item>
    <item>
      <title>Industry Protests GSEs’ New Insurance Verification Process</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[Industry trade groups want FHFA to rescind recently issued GSE guidelines and related surveys, and instead use the request-for-input process to make policy changes.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/232783</guid>
      <pubDate>Wed, 27 Nov 2024 14:56:22 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/232783-industry-protests-gses-new-insurance-verification-process</link>
    </item>
    <item>
      <title>Trade Groups Protest Yet Another FICO Price Increase</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[Industry trade groups noted that the increase comes on top of a 400% price hike over the past two years. They also argued that the credit re-porting bureaus will inevitably add additional price hikes.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/232678</guid>
      <pubDate>Fri, 15 Nov 2024 15:29:23 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/232678-trade-groups-protest-yet-another-fico-price-increase</link>
    </item>
    <item>
      <title>Fannie and Freddie Tweak Requirements for Appraisal Reporting</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[Appraisers will now have to cite the market analysis they used to support their overall market trend assumptions.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/232699</guid>
      <pubDate>Fri, 15 Nov 2024 15:27:27 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/232699-enterprises-tweak-requirements-for-market-area-analysis</link>
    </item>
    <item>
      <title>Freddie Servicing Updates Include Loan Mods, Fraud</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[Freddie is adding loan mod functions to its Resolve system and retiring Workout Prospector. The GSE is also setting new fraud reporting requirements for lenders and servicers.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/232173</guid>
      <pubDate>Fri, 20 Sep 2024 14:16:59 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/232173-freddie-servicing-updates-include-loan-mods-fraud</link>
    </item>
    <item>
      <title>Freddie Updates Fraud Reporting Requirements</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[The mortgage giant has implemented a requirement that seller/servicers maintain and share records of the types of fraud they see as well as any specific fraud cases they’re aware of.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/232039</guid>
      <pubDate>Fri, 06 Sep 2024 16:06:58 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/232039-freddie-updates-fraud-reporting-requirements</link>
    </item>
    <item>
      <title>Freddie Updates LPA, Requiring Trended Data</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[Freddie adds a new AIM provider, requires trended data in most credit reports.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/231664</guid>
      <pubDate>Fri, 26 Jul 2024 16:07:43 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/231664-august-updates-to-lpa</link>
    </item>
    <item>
      <title>GAO Tags Accounting Errors at FHFA</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[FHFA and its Office of Inspector General both missed the Bureau of Fiscal Service’s faulty calculation of the agency watchdog’s yearend payroll liability.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/231039</guid>
      <pubDate>Fri, 17 May 2024 13:59:51 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/231039-gao-tags-accounting-errors-at-fhfa</link>
    </item>
    <item>
      <title>GSEs Clarify Treatment of Buyer’s Agent Commissions</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[Fannie and Freddie find a way to deal with the NAR settlement without changing the rules.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/230765</guid>
      <pubDate>Fri, 19 Apr 2024 14:09:38 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/230765-gses-clarify-treatment-of-buyers-agent-commissions</link>
    </item>
    <item>
      <title>Updated Guides Include New Income Calculation Tool</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[Freddie clarifies how servicers should handle COVID-19 flex modifications for borrowers who recently became delinquent. Fannie announces a tool to compute the monthly income of self-employed borrowers.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/229800</guid>
      <pubDate>Fri, 22 Dec 2023 14:03:00 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/229800-gses-update-seller-servicer-guides</link>
    </item>
    <item>
      <title>Fannie, Freddie Announce Tweaks to Selling Guides</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[Fannie and Freddie have updated rules around employment contracts, shared appreciation and fluctuating income.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/229422</guid>
      <pubDate>Fri, 10 Nov 2023 14:48:43 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/229422-gses-tweak-selling-guides</link>
    </item>
    <item>
      <title>Freddie Mac Updates Default Management Solution</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[Servicers should see several enhancements to Freddie’s Resolve platform and its APIs, including a dashboard they can use to manage their pipeline and track charge-offs.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/229418</guid>
      <pubDate>Fri, 10 Nov 2023 14:43:45 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/229418-freddie-mac-updates-its-default-management-solution</link>
    </item>
    <item>
      <title>GSEs Update Rental Income Requirements</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[Both Fannie Mae and Freddie Mac have eased the rules that limit the use of rental income to qualify for a mortgage.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/229159</guid>
      <pubDate>Fri, 13 Oct 2023 13:40:10 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/229159-gses-update-rental-income-requirements</link>
    </item>
    <item>
      <title>GSEs Delay Fee Disclosure Requirements on UCD</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[High failure rates for lenders trying to implement new edits to certain fee disclosure requirements in Phase 3B of the Uniform Closing Database persuaded Fannie and Freddie to postpone those changes.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/228842</guid>
      <pubDate>Fri, 15 Sep 2023 13:10:49 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/228842-gses-hit-pause-on-ucd-edits</link>
    </item>
    <item>
      <title>GSEs Update Lenders on Equifax Coding Error</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[The impact of the Equifax credit score snafu appears to be minimal, limiting the headache for lenders.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/225016</guid>
      <pubDate>Fri, 01 Jul 2022 10:37:45 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/225016-gses-update-lenders-on-equifax-coding-error</link>
    </item>
    <item>
      <title>Equifax Reports Credit Score SNAFU</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[Coding errors may require new underwriting for loans that relied on data originating with the massive credit score reporting firm.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/224787</guid>
      <pubDate>Fri, 03 Jun 2022 12:54:01 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/224787-equifax-reports-credit-score-snafu</link>
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