Announcement

Fannie Mae Announces Updates to Disclosure Files for Legacy REMIC Deals

June 2, 2026

Fannie Mae is providing advance notice of an upcoming implementation to streamline disclosures for a population of legacy Real Estate Mortgage Investment Conduit (REMIC) deals. The changes are anticipated to be completed in Q3 2026 and will affect approximately 112 legacy REMIC deals that are not backed by MBS pools, also known as non-standard REMIC deals (NSD). 

Due to the non-standard collateral and/or deal structures, these REMIC disclosure files were not transitioned to U.S Financial Technology, LLC in June 2019.  The 2026 implementation will consolidate or retire certain legacy disclosure files/attributes and create new files to account for all remaining data attributes for this population.

New and consolidated files will include:

  • REMIC Factor File – NSD (filename: FNM_REMIC_NSD_YYYYMM_DD)
    A new file that will include REMIC Factor data specifically for the legacy REMIC population.
  • REMIC Collateral (RC) Historical Loan Level File (filename: FNM_RC_HISTORICAL_LLD) 
    A one-time loan level disclosure containing static data for the legacy REMIC population.
  • REMIC Collateral (RC) Loan Level File will be renamed the REMIC Collateral (RC) Monthly Loan Level File (filename: FNM_RC_MONTHLY_YYYYMM).
    The existing file will reflect dynamic monthly data related to the static data within the RC Historical Loan Level File.
  • Multi Class Quarterly Tax Data File - NSD (filename: FNM_NSDTAX_Q#YYYY.zip)
    A new file that will include two REMIC Tax quarterly data files (tax type and tax factor) specifically for the legacy REMIC population. These files will be disclosed within a zip file.
    • Multiclass Tax Type File - NSD (filename: FNM_NSDTAX_Q#YYYY.TYP)
    • Multiclass Tax Factor File - NSD (filename: FNM_NSDTAX_Q#YYYY.FAC)

Please refer to the Single-Family Multiclass MBS Disclosure Mapping Document, along with sample data files and file layouts supporting the new disclosure files, for your system update preparations.

The following legacy disclosure files will be retired:

Retiring File(s)Replacement File(s)
Legacy REMIC population disclosure data is moving to existing replacement files
  • No Delay Reset File
  • Reset File - No Delay – Rates
  • Supplemental Factor
  • REMIC Component File
  • REMIC Shortfall File
Legacy REMIC population disclosure data will be in new replacement files
  • Remittance Report SIFMA
  • WAS REMIC - Deal Level File
  • REMIC Factor File - NSD
  • WAS REMIC - Summary Report
  • WAS REMIC - Loan Level File
  • WAS Whole Loan Pseudo Pool Report
  • Whole Loan REMIC - Loan Level Report
  • REMIC Collateral (RC) Historical Loan Level File
  • REMIC Collateral (RC) Monthly Loan Level File

For questions, please contact the Fannie Mae Investor Help Line at 1-800-232-6643, Option 3 or by email.