Fannie Mae sets governance framework for AI and machine learning use

Fannie Mae issued Lender Letter LL-2026-04 to provide a governance framework for Seller/Servicers using Artificial Intelligence and/or machine learning in their origination and/or servicing practices. The guidance signals a formal structure for how these technologies are addressed within Single-Family operations.

The letter is presented as policy guidance for Seller/Servicers and is focused specifically on the use of Artificial Intelligence and machine learning in mortgage origination and servicing. It frames governance as the central requirement for institutions applying these technologies in operational workflows tied to Fannie Mae business.

The notice was published April 8, 2026. It appears in the Single-Family News Center and is accompanied by a downloadable lender letter. Fannie Mae also listed the item among its recent news on the same date, alongside Announcement SVC-2026-03 – Servicing Guide Update and an Update to UCD timeline and v2.0 Specification resources published April 2, 2026.