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AI Governance Survival Guide for Mortgage Lenders

By March 1, 2026July 9th, 2026No Comments

The mandate is enterprise-wide — and already in effect.
Freddie Mac Bulletin 2025-16 amended Guide Sections 1302.2 and 1302.8 effective March 3, 2026. This obligation is not triggered by application received dates or loan-level decisions. It is an enterprise-wide Seller/Servicer Agreement requirement applicable to every IMB, depository, credit union, mortgage broker, and fintech approved to sell or service Freddie Mac loans. The obligation applies to every AI or ML tool used anywhere in connection with Freddie Mac loan origination or servicing — including vendor embedded tools.

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