Learn exactly how UAD 3.6 changes the way appraisals are submitted to Fannie Mae and Freddie Mac, and what lenders and AMCs must do to stay compliant at the loan delivery level. Fannie Mae and Freddie Mac do not just receive loans. They receive data. And with the rollout of UAD 3.6, they are transforming what that data must look like, how it must be structured, and how it must arrive. For lenders and AMCs who have been treating UAD 3.6 as a compliance detail to sort out later, the GSE submission level is where "later" runs out.