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GSEs Create Exception for UAD 3.6 Deadline: Runs through May 19, 2027

 by Frank Andorka, Managing Editor

Approved sellers who are unable to fully implement UAD 3.6 before the formal Nov. 2, 2026, deadline will be allowed to continue submitting legacy UAD 2.6 appraisal reports through May 19, 2027, according to Fannie Mae and Freddie Mac.

The GSEs will also allow resubmissions of UAD 2.6 appraisal reports through June 27, 2027. As of March 1, 2027, UAD 2.6 appraisals will no longer qualify for certain appraisal-related representations and warranties relief.

From March 1 through May 19, 2027, UAD 2.6 reports will receive a Collateral Underwriter® (CU) risk score of 999 when submitted to Fannie Mae, and their functionality will be reduced in both CU and Loan Collateral Advisor®. The GSEs encourage sellers to fully adopt UAD 3.6 as soon as possible, as this is a one-time policy exception that will not be extended.

“Many lenders are submitting UAD 3.6 appraisal reports; however, some lenders may need more time to adopt,” the GSEs said in the release announcing the exception.

Submitting a UAD 2.6 report after Nov. 2 will require explicit approval from the GSEs. To request a policy exception, a representative of the seller who is authorized to enter into a binding contract must complete the online UAD 3.6 Policy Exception Request for each GSE to which it sells loans.

According to the release, “By completing this request, the Seller must:

• Acknowledge that their business is unable to meet the UAD 3.6 mandate and agree to be subject to revised contractual terms described in each GSE’s Policy Exception Request during the policy exception period.
• Commit to a final implementation plan, including coordination with vendor(s) and appraisers, to fully transition to UAD 3.6 by the expiration of the policy exception period.
• Provide requested information regarding your UAD 3.6 final implementation plan, including:
  • Timing and plan to begin and/or fully transition to UAD 3.6.
  • Top obstacles preventing implementation to UAD 3.6.
  • Opportunities for each GSE to help the business implement UAD 3.6.”

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o apply for an exception from Fannie Mae, click here. To apply for an exception from Freddie Mac, click here.

In Working RE‘s October cover story, the UAD 3.6 implementation sparked spirited debate within the appraisal community. To see the story for yourself, click here.

ACI Update
In a perhaps unrelated announcement the day before (September 29, 2026) the GSEs announcement, ACI, an appraisal software that has been serving appraisers for decades, signaled that they were scrapping ACI Sky™ Workbench, it’s UAD 3.6-compliant appraisal report.

ACI wrote on its Facebook page:
“After careful consideration, we’ve made the decision to stop the current version of ACI Sky™ Workbench and focus our efforts on developing a significantly improved Workbench 2.0 experience, targeted for release in Spring 2027…. Access to the current ACI Sky Workbench platform will end October 9, 2026.”

Appraisers in the comments on ACI’s post reported they had been in communication with ACI and were told that “there was no interim solution in place for current ACI subscribers for completing UAD 3.6 assignments,” according to one appraiser. That same appraiser quoted an email he received as saying: “At this time, the information provided to us confirms that ACI Desktop will remain available for existing UAD 2.6 and legacy workflows, but it does not provide a confirmed interim ACI workflow for completing UAD 3.6 reports after Workbench is removed.”

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About the Author
Frank Andorka is the Managing Editor of Working RE magazine, published by OREP Insurance, a leading provider of E&O insurance for appraisers nationwide. Andorka has more than two decades of experience as a writer and editor and is based out of Cleveland, Ohio.