UAD 3.6 mandatory date: November 2, 2026, and what follows

Updated October 2026

UAD 3.6 becomes mandatory for all new appraisal reports submitted to UCDP on or after November 2, 2026. The date is set by the report's initial UCDP submission date, not by when the assignment was ordered or the effective date. Fannie Mae and Freddie Mac say the mandate is not changing, but lenders that cannot meet it can apply for a temporary policy exception that runs into 2027.

Every date below comes from the GSEs' own documents, linked at the end of each section.

The full timeline

| Phase | Dates | What it means | |---|---|---| | Limited production | Sept 8, 2025 – Jan 25, 2026 | Approved lenders and software vendors could use either UAD 2.6 or UAD 3.6 | | Broad production | Jan 26, 2026 – Nov 1, 2026 | All lenders may use UAD 3.6; UAD 2.6 is still accepted | | Mandate | Nov 2, 2026 | Sellers are required to submit UAD 3.6 reports | | Policy exception period | Nov 2, 2026 – May 19, 2027 | Only for sellers that obtained an exception; they may still submit UAD 2.6 | | Reduced functionality | Mar 1, 2027 – May 19, 2027 | UAD 2.6 reports get collateral risk score 99 (Freddie Mac) or 999 (Fannie Mae) and no collateral rep and warrant relief for value | | Pipeline revisions only | May 20, 2027 – Jun 27, 2027 | New UCDP submissions must be UAD 3.6; UAD 2.6 only for resubmissions of earlier UAD 2.6 reports | | UAD 2.6 retired | Jun 28, 2027 | No UAD 2.6 reports are processed |

Sources: GSE UAD redesign timeline (Freddie Mac, PDF), Temporary Policy Exception notice, Sept 30, 2026 (PDF), and for the limited and broad production dates, the October 2024 joint timeline announcement (PDF). That 2024 announcement also listed a May 3, 2027 retirement date. The September 2026 notice gives the later dates in the table, so use those.

Which reports does the mandate catch?

The trigger is the initial UCDP submission date. Freddie Mac's FAQ states that the November 2, 2026 mandate "is based on the initial UCDP Submission Date of each report," not the loan application or effective date. In practice:

A report first submitted to UCDP before November 2, 2026 can be UAD 2.6 or UAD 3.6.
A report first submitted on or after November 2, 2026 must be UAD 3.6, unless the lender has a policy exception.
The date applies per report. An assignment you began in October can still land on the UAD 3.6 side of the line if the lender submits it after November 1.

The GSE FAQ says the engagement letter should indicate which standard applies, and that lenders may stage their rollout. Ask each lender and AMC which one they want before you start the report.

Two special cases from the same FAQ. Construction loans with "subject to completion" UAD 2.6 appraisals may be submitted to UCDP before the mandate, and the completion report or accepted alternative must be kept in the loan file for the life of the loan. And UCDP does not accept mixed UAD 2.6 and 3.6 under the same Doc File ID.

Source: Freddie Mac UAD 3.6 and Forms Redesign FAQ.

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The policy exception is for lenders, not appraisers

The September 30, 2026 notice says sellers that cannot complete their UAD 3.6 implementation must request a policy exception from each GSE they sell to. Sellers that do so can keep submitting new UAD 2.6 reports to UCDP through May 19, 2027, and resubmissions through June 27, 2027. The GSEs describe it as a one-time exception that will not be extended, and say the November 2, 2026 mandate itself is not changing.

Lenders that do not sell directly to the GSEs do not request an exception, but they must align with their investors. Aggregators that buy loans from third-party originators must make sure those originators submit UAD 3.6, or request the exception themselves.

What this means if you are an appraiser: your lender or AMC may still ask for UAD 2.6 after November 2. That does not make UAD 2.6 a safe long-term plan. After March 1, 2027 those reports lose functionality on the lender's side, and UAD 2.6 submissions end in 2027. Software that cannot produce UAD 3.6 is a problem you will have to solve anyway.

Source: Temporary Policy Exception notice (PDF).

What to do with this date

Find out, lender by lender, whether each one wants UAD 3.6 for reports delivered from November 2. Put it in the engagement letter.
Confirm your software can produce a UAD 3.6 package today. Our UAD 3.6 readiness checklist walks through the questions to ask.
Learn what the redesigned report changes before you do a live assignment. See UAD 3.6 vs UAD 2.6.
If you are still choosing software, the UAD 3.6 software comparison lists what each vendor has publicly stated.

Run a UAD 3.6 report in a web-based workfile and see what it flags.

Try Property Appraiser Pro on a real assignment before Nov 2.

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Frequently asked questions

When is UAD 3.6 mandatory?

UAD 3.6 is mandatory for all new appraisal reports submitted to the Uniform Collateral Data Portal (UCDP) on or after November 2, 2026, according to Freddie Mac’s UAD 3.6 FAQ. The GSEs say the mandate date is not changing.

Which date decides whether my report must be UAD 3.6?

The initial UCDP submission date of the report, per the Freddie Mac FAQ. It is not the order date, the effective date, or the loan application date. A report you start in October but that is first submitted to UCDP on or after November 2 falls under the mandate.

Can lenders still submit UAD 2.6 reports after November 2, 2026?

Only if the lender sells loans to the GSEs and has obtained a policy exception. Under the GSEs’ September 30, 2026 notice, an approved seller may submit new UAD 2.6 reports from November 2, 2026 through May 19, 2027, and resubmissions through June 27, 2027. Appraisers do not request the exception; sellers do.

What happens on March 1, 2027?

For sellers using the exception, UAD 2.6 reports submitted from March 1, 2027 through May 19, 2027 return a collateral risk score of 99 in Freddie Mac’s Loan Collateral Advisor and 999 in Fannie Mae’s Collateral Underwriter, and the loans are not eligible for collateral representation and warranty relief for value.

When is UAD 2.6 fully retired?

June 28, 2027, per the GSEs’ September 30, 2026 notice. From May 20, 2027 through June 27, 2027, new UAD 2.6 submissions fail in UCDP with a Fatal message and UAD 2.6 is accepted only for resubmissions of previously submitted reports.

Official GSE pages: Freddie Mac UAD page and Fannie Mae UAD page. Dates can change; check the GSE pages before you rely on a date for a specific loan.