Freddie Mac's AI Requirements Take Effect March 3, 2026

The Federal Home Loan Mortgage Corporation, known as Freddie Mac, will require approved Seller/Servicers to operate an auditable artificial intelligence governance program beginning March 3, 2026. The update revises Section 1302.8 of the Seller/Servicer Guide. It adds a requirement for a formal AI governance framework that goes beyond existing rules on compliance with applicable law, Freddie Mac Purchase Documents, and indemnification obligations. The new framework calls for enterprise-wide controls to map, measure, and manage AI-related risks. These controls must address performance monitoring, security vulnerabilities, and bias. They must include documented roles, responsibilities, and escalation paths, and they must support internal and external audits along with alignment to recognized security frameworks such as NIST 800-53 and ISO 27001. The requirements apply to any use of AI or machine learning in the origination of loans eligible for Freddie Mac or in the servicing of Freddie-backed mortgages. This scope covers vendor tools used in document processing, fraud detection, quality control, customer communications, and other operational workflows. Seller/Servicers that fail to document AI usage, monitor it adequately, or align it with stated policies face greater exposure to compliance findings.