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Mortgage Fraud

Freddie Mac is committed to helping the mortgage industry fight fraud and our Financial Fraud Investigation Unit (FFIU) is at the forefront of all our mortgage fraud prevention efforts. One such fraud prevention effort are two new Freddie Mac mortgage fraud reporting forms – one form is for origination-related fraud, and the other form is for servicing-related fraud. As detailed in Single-Family Seller/Servicer (Guide) Chapters 7 and 57, these forms can be used to help report fraud or possible fraud to Freddie Mac:

• Mortgage Fraud Reporting Form – Origination
• Mortgage Fraud Reporting Form – Servicing

Please complete and e-mail the appropriate form to mortgage_fraud_reporting@freddiemac.com. In addition to using the fraud reporting forms, you may contact Freddie Mac regarding fraud in the following ways:

• Phone: (800) 4FRAUD8
• E-mail: mortgage_fraud_reporting@freddiemac.com 
• Fax: 571-382-4883
• Mail: Attn: Institutional Investigations
  8200 Jones Branch Drive
  MS 263
  McLean, VA 22102-3110

Announcements

Guide Bulletin 2012-13 Restates Fraud Prevention, Detection and Reporting Information in New Guide Chapter 57

In order to provide Servicers' with easier access to a complete statement of our mortgage fraud requirements, with Guide Bulletin 2012-13 we added new Guide Chapter 57, Fraud Prevention, Detection and Reporting, to Volume 2 of the Guide. This Guide Chapter is identical to the Guide Chapter 7 in Volume 1 of the Guide. We encourage Servicers to review the requirements and read our Single-Family News Center article for more information on reporting mortgage fraud.

With this Guide update Freddie Mac Seller/Servicers can now a review our mortgage fraud requirements in Chapters 7 and 57.

Guide Bulletin 2011-23 Updates Short Sale Affidavit Requirements

With Guide Bulletin 2011-23, we updated Guide Chapter B65 to provide additional guidance regarding Freddie Mac's short sale requirements. Our short sale affidavit requirements effectively identify mortgage fraud as part of a Servicer's loss mitigation solutions. With the updated requirements, Servicers can improve their mortgage fraud prevention efforts by accurately reflecting fees paid to any parties involved with a short payoff transaction as well as providing detailed identifying information on the short sale affidavit itself.

Fraud Prevention Resources

Visit our Fraud Prevention Resources Web page to take advantage of our Mortgage Fraud Prevention Toolkit, best practices, mortgage fraud articles, and training opportunities.

About the Financial Fraud Investigation Unit

Established in 1989, the FFIU is responsible for the prevention, detection, investigation, and resolution of mortgage fraud. In addition to our core responsibilities, the FFIU's job duties entail:

• Assisting law enforcement with criminal investigations and making referrals to state licensing and regulatory boards.
• Participating in national, regional, and industry mortgage fraud task forces.
• Providing training to the FBI, state regulators, lenders, and Freddie Mac employees.
• Participating in various speaking forums to discuss fraud trends and anti-fraud strategies.