Updated July 2026
Your vendor’s representation that their AI is ‘compliant’ is a starting point — not a safe harbor.
Under Freddie Mac Guide § 1302.8, every Seller/Servicer — IMB, depository, credit union, mortgage broker, or fintech — is responsible for the AI governance of every tool it uses in connection with Freddie Mac loans. That responsibility does not transfer to your vendor. It stays with you. Vendor representations are a beginning. Contractual rights, audit access, and documentation on file are what matter at examination.
