MPF Xtra Escrow Reporting Guidance Updates
Reglith Editorial Team · November 2026
The MPF Program's Announcement 2026-73 sets out guidance for Participating Financial Institutions (PFIs) on escrow event reporting for MPF Xtra loans, effective December 1, 2026. The announcement reminds PFIs that escrow events must go directly to Computershare in Excel/CSV or JSON format, and that ASCII text files will not be accepted for this reporting. Daily reporting becomes mandatory on the effective date, with optional early production reporting available from November 4, 2026.
What changed
The announcement, dated November 3, 2026, states that beginning December 1, 2026, PFIs must submit escrow events separately and report those events directly to Computershare in either Excel/CSV or JSON file format, and that ASCII text files will not be accepted for escrow event-based reporting. The change was previously communicated in Announcement 2026-67. The related MPF Guides, Forms, and Exhibits have been updated to reflect it.
The announcement is program guidance rather than a proposed rule, so no comment deadline applies. Servicers may begin optional early production reporting to Computershare on November 4, 2026; early participation is described as encouraged but not required. Daily escrow event reporting is mandatory beginning December 1, 2026.
Two timing rules accompany the format change. Servicers must submit escrow activity to Computershare by 2:00 p.m. Eastern Time on the Business Day following the day the activity is processed. Activity occurring over a weekend or holiday is consolidated into the next Business Day's file — for example, Friday-through-Sunday activity is reported on Monday, or Tuesday if Monday is a holiday.
Who it applies to
The announcement is addressed to an audience spanning Compliance/Legal, Program Management, Origination, Quality Control, Servicing, and Underwriting, and names the MPF Government MBS, MPF Traditional, and MPF Xtra® products. The operative requirements are framed for servicers of MPF Xtra loans with escrow accounts.
The announcement states one explicit limit on the reporting population: loans serviced under a separate direct Fannie Mae seller/servicer relationship must follow the applicable direct-servicer requirements and must not be combined with the MPF Xtra reporting population. For those loans, the direct relationship governs rather than the MPF Xtra file.
The announcement does not describe any other exemption from the December 1, 2026 mandatory reporting date. Whether a particular loan sits in the MPF Xtra population or under a separate direct relationship turns on the facts of the servicing arrangement; the announcement and Form SG406-X are the reference points, and institutions with questions can contact the MPF Service Center through the MPF Customer Service Portal, MPF-Help@fhlbc.com, or 877.345.2673.
| Option | Best for | Notes |
|---|---|---|
| Early production reporting from November 4, 2026 | Servicers wanting to test file preparation and submission before the mandate | Encouraged but not required |
| Mandatory daily reporting from December 1, 2026 | All servicers of MPF Xtra loans with escrow accounts | 2:00 p.m. ET deadline on the following Business Day |
What compliance teams should check
The change touches file layout and transmission rather than disclosure content: escrow event files move to Excel/CSV or JSON, and ASCII text files drop out of the accepted set. Compliance teams may find it useful to confirm that the vendor or system producing the escrow event file supports one of the accepted formats and that the separate-population rule is reflected in how files are built and queued. The MPF program item MPF Announcement 2026-73: The MPF Program is reminding Participating Financial Institutions (PFIs) to prepare for upcoming MPF Xtra escrow event-based reporting... summarizes the same requirements.
Key dates stated in the announcement:
- November 3, 2026 — announcement date.
- November 4, 2026 — optional early production reporting to Computershare may begin.
- December 1, 2026 — daily escrow event reporting becomes mandatory and the format restriction takes effect.
Training and support sessions listed in the announcement are also worth calendaring. Recordings from the October 20 webinar and October 22 Office Hours, along with the webinar presentation slides, are available. A November 19 webinar offers a scenario-based walkthrough of completing and validating the reporting file, and the announcement notes it covers the same content as the October 20 session. A December 9 Office Hours session is positioned for final questions and implementation support. PFIs are also pointed to the new MPF Xtra Escrow Reporting FAQs, along with applicable Fannie Mae and MPF Program guidance.
Procedures and quality-control steps that reference the prior ASCII submission method may merit review against the updated Guides, Forms, and Exhibits. The announcement does not prescribe internal control design, so how an institution structures validation and escalation is a matter for its own compliance management system and qualified counsel.