Tip Referral Tool Launches September 30

Single-Family Seller/Servicer Guide (Guide) Bulletin 2024-12 recently announced updates to Freddie Mac requirements for reporting mortgage fraud or suspicious activity and adverse self reporting. We also announced the launch of the Tip Referral Tool (TRTSM) which is just around the corner.

Reporting Mortgage Fraud and Suspicious Activity

Freddie Mac takes fraud very seriously and we believe reducing fraud is everyone’s responsibility. Effective September 30, Seller/Servicers and industry participants will report mortgage fraud and suspicious activity through the TRT.

The TRT was created to assist you in submitting information in a more centralized, convenient and secure manner. Reducing fraud helps reduce waste in time and resources. This makes it possible for Seller/Servicers to pass along savings to well-deserving borrowers who want to make their dream of homeownership a reality.

Quality Control Advisor® and Adverse Self Reporting Impacts

Effective September 30, the TRT will be the new way to report quality control findings – known as adverse self reporting within the tool – on loans sold to Freddie Mac. Today, Seller/Servicers make their submissions through Quality Control Advisor®.

Note: Once an adverse self reporting submission has been reported through the TRT, you’ll continue to track the submission’s progress through Quality Control Advisor.

More Information for September 30

  • Any Seller/Servicer user who has access to Freddie Mac tools and systems via Freddie Mac Loan Advisor® and Servicing Gateway on September 30 will automatically be able to access the TRT starting September 30 using their current assigned credentials. 
  • After September 30, if a Freddie Mac Access Manager administrator for a Seller/Servicer wants to add or remove TRT access from a user in their organization, they may do so through Access Manager using the “Add User Access” or “Remove User Access” workflows.
  • If a Seller/Servicer is not enrolled in Access Manager and wants to add or remove TRT access for their organization’s users, they will need to sign up for Access Manager to designate an Access Manager administrator who can update the user access for their organization.  
  • Industry participants (the general public) may access the TRT on our Single-Family Fraud Prevention webpage after September 30.
  • Sellers attempting to submit adverse self reporting through Quality Control Advisor after September 30 will see new messaging with instructions to navigate to the TRT to complete this process.

Additional Resources

Additional Tip Referral Tool resources will soon be distributed. In the meantime, if you have any questions, please contact your Freddie Mac representative or for questions:

  • On adverse self reporting, call the Customer Support Contact Center (800-FREDDIE).
  • On mortgage fraud and suspicious activity, call the Freddie Mac Fraud Hotline at (800) 4FRAUD8.