TAILIEUCHUNG - FHFA'S SUPERVISION OF FREDDIE MAC'S CONTROLS OVER MORTGAGE SERVICING CONTRACTORS

The letter of intention to audit provides a general outline as to the function or purpose of audits conducted by the Office, indicating that the inspection will have a focus on areas and systems within the company where personal data is held and processed. If there are any areas or issues of particular concern in advance of the audit, these may also be highlighted in the letter. In some cases an indication will be given as to why the organisation has been selected for audit. In the event of the audit of a large organisation, particular areas may. | FEDERAL HOUSING FINANCE AGENCY OFFICE OF INSPECTOR GENERAL FHFA s Supervision of Freddie Mac s Controls over Mortgage Servicing Contractors Audit Report AUD-2012-001 Dated March 7 2012 EXPLANATION OF REDACTIONS IN THIS REPORT This report includes redactions requested by the Federal Housing Finance Agency and or the Federal Home Loan Mortgage Corporation. According to them the redactions ar e intended to protect from disclosure material that they consider to be confidential financial proprietary business and or trade secret information. They claim further that the redacted information would not ordinarily be publicly disclosed and if disclosed could place the Federal Home Loan Mortgage Corporation at a competitive disadvantage. Audit Report AUD-2012-001 Dated March 7 2012 FHFA OIG FEDERAL HOUSING FINANCE AGENCY OFFICE OF INSPECTOR GENERAL AT A GLANCE FHFA s Supervision of Freddie Mac s Controls over Mortgage Servicing Contractors Why FHFA-OIG Did This Audit The Federal Housing Finance Agency FHFA or Agency was created by the Housing and Economic Recovery Act of 2008 HERA to assess the financial safety and soundness and overall risk management practices of the Federal National Mortgage Association Fannie Mae and the Federal Home Loan Mortgage Corporation Freddie Mac collectively the Enterprises . The Enterprises routinely purchase mortgages from mortgage originators in order to provide liquidity for continued lending in support of the nation s housing finance system. With respect to the mortgages that they purchase the Enterprises enter into contracts with mortgage servicers to collect mortgage payments set aside taxes and insurance premiums in escrow forward interest and principal payments to the contractually designated party and respond to payment defaults. As of June 30 2011 Freddie Mac had a mortgage servicing portfolio containing nearly 12 million mortgages with an unpaid principal balance UPB of nearly trillion. Troubled loans have increased substantially

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