[{"data":1,"prerenderedAt":195},["ShallowReactive",2],{"blog-uad-3-6-deadline-timeline":3},{"post":4,"related":83,"pillar":84},{"slug":5,"title":6,"seoTitle":7,"description":8,"date":9,"updated":10,"category":11,"pillar":12,"howto":12,"keywords":13,"tags":22,"related":26,"faq":30,"words":46,"minutes":47,"parts":48,"toc":51,"steps":82},"uad-3-6-deadline-timeline","UAD 3.6 Deadline: Every Date from November 2, 2026 to the UAD 2.6 Retirement","UAD 3.6 Deadline and Timeline (2026–2027) | Carat","The UAD 3.6 deadline is November 2, 2026. Every date that follows, from the lender exception period to the UAD 2.6 retirement on June 28, 2027, explained.","2026-10-02","2026-10-25","uad-3-6",false,[14,15,16,17,18,19,20,21],"uad 3.6 deadline","uad 3.6 mandate date","uad 3.6 timeline","november 2 2026 uad","uad 2.6 retirement","uad 3.6 policy exception","uad 3.6 effective date","when is uad 3.6 mandatory",[23,24,25],"UAD 3.6","Deadlines","UCDP",[27,28,29],"uad-3-6-complete-guide","uad-3-6-readiness-checklist","uad-3-6-compliance-rules-fatal-warning",[31,34,37,40,43],{"q":32,"a":33},"What is the UAD 3.6 deadline?","November 2, 2026. From that date, sellers that don't have an approved GSE policy exception must submit UAD 3.6 appraisal reports to UCDP for new submissions.",{"q":35,"a":36},"Is the UAD 3.6 deadline based on the effective date of the appraisal?","No. Freddie Mac says the mandate applies based on the UCDP submission date of the report, not the loan application date or the effective date of the appraisal.",{"q":38,"a":39},"What is the UAD 3.6 policy exception?","A one-time exception the GSEs offered to sellers that need more time. With it, a seller can submit new UAD 2.6 reports through May 19, 2027 and resubmit UAD 2.6 reports through June 27, 2027. The GSEs say it will not be extended.",{"q":41,"a":42},"When is UAD 2.6 retired?","June 28, 2027. After that date no UAD 2.6 appraisal reports are processed in UCDP.",{"q":44,"a":45},"What happens to UAD 2.6 reports from March 1, 2027?","From March 1 through May 19, 2027, UAD 2.6 reports submitted under an exception receive a collateral risk score of 99 from Freddie Mac and 999 from Fannie Mae and are not eligible for collateral representation and warranty relief for value.",1545,7,[49,50],"\u003Cp>The UAD 3.6 deadline is Monday, November 2, 2026. That date has been on the calendar since 2024, and as of this writing it's eight days out. What changed in the last month is everything around it. On September 30, 2026 Fannie Mae and Freddie Mac announced a one-time policy exception for lenders that aren't ready, which created a staggered set of dates running into the summer of 2027. If you're an appraiser trying to figure out whether next week's orders come in as a Form 1004 or a redesigned URAR, this is the page to bookmark.\u003C\u002Fp>\n\u003Cp>\u003Cstrong>Key takeaways\u003C\u002Fstrong>\u003C\u002Fp>\n\u003Cul>\n\u003Cli>November 2, 2026 is the mandate. It does not move.\u003C\u002Fli>\n\u003Cli>The date is tied to when the report is \u003Cstrong>submitted to UCDP\u003C\u002Fstrong>, not your inspection or effective date.\u003C\u002Fli>\n\u003Cli>Some lenders have a one-time exception that lets them keep submitting UAD 2.6 until May 19, 2027, with growing penalties after March 1.\u003C\u002Fli>\n\u003Cli>New UAD 2.6 submissions fail with a Fatal message from May 20, 2027. UAD 2.6 is retired June 28, 2027.\u003C\u002Fli>\n\u003Cli>The exception belongs to the lender. Your report format follows the order, so ask each client.\u003C\u002Fli>\n\u003C\u002Ful>\n\u003Ch2 id=\"the-full-uad-3-6-timeline-at-a-glance\">The full UAD 3.6 timeline at a glance\u003C\u002Fh2>\n\u003Cp>These dates come from the joint GSE \u003Ca href=\"https:\u002F\u002Fsf.freddiemac.com\u002Fdocs\u002Fpdf\u002Ffact-sheet\u002Fuad-redesign-timeline.pdf\" target=\"_blank\" rel=\"noopener\">UAD Redesign Timeline\u003C\u002Fa> and the September 30, 2026 \u003Ca href=\"https:\u002F\u002Fsf.freddiemac.com\u002Fdocs\u002Fpdf\u002Fuad-temporary-policy-exception-sept-2026.pdf\" target=\"_blank\" rel=\"noopener\">Temporary Policy Exception notice\u003C\u002Fa>. Fannie Mae published the same exception in \u003Ca href=\"https:\u002F\u002Fsinglefamily.fanniemae.com\u002Fmedia\u002Fdocument\u002Fpdf\u002Flender-letter-ll-2026-08-temporary-policy-exception-lenders-unable-meet-uad-36-november-mandate\" target=\"_blank\" rel=\"noopener\">Lender Letter LL-2026-08\u003C\u002Fa>.\u003C\u002Fp>\n\u003Cdiv class=\"bl-table\">\u003Ctable>\u003Cthead>\u003Ctr>\u003Cth>Date\u003C\u002Fth>\u003Cth>Phase\u003C\u002Fth>\u003Cth>What it means\u003C\u002Fth>\u003C\u002Ftr>\u003C\u002Fthead>\u003Ctbody>\u003Ctr>\u003Ctd>Sept 8, 2025\u003C\u002Ftd>\u003Ctd>Limited production\u003C\u002Ftd>\u003Ctd>Approved lenders and vendors began submitting UAD 3.6 in production\u003C\u002Ftd>\u003C\u002Ftr>\u003Ctr>\u003Ctd>Jan 26, 2026\u003C\u002Ftd>\u003Ctd>Broad production\u003C\u002Ftd>\u003Ctd>Anyone could submit UAD 3.6. Not yet required\u003C\u002Ftd>\u003C\u002Ftr>\u003Ctr>\u003Ctd>\u003Cstrong>Nov 2, 2026\u003C\u002Fstrong>\u003C\u002Ftd>\u003Ctd>\u003Cstrong>Mandate\u003C\u002Fstrong>\u003C\u002Ftd>\u003Ctd>Sellers must submit UAD 3.6 unless they have an approved policy exception\u003C\u002Ftd>\u003C\u002Ftr>\u003Ctr>\u003Ctd>Nov 2, 2026 – Feb 28, 2027\u003C\u002Ftd>\u003Ctd>Exception period\u003C\u002Ftd>\u003Ctd>Excepted sellers may submit UAD 2.6. Those reports still get collateral R&W relief and a risk score\u003C\u002Ftd>\u003C\u002Ftr>\u003Ctr>\u003Ctd>Mar 1 – May 19, 2027\u003C\u002Ftd>\u003Ctd>Reduced functionality\u003C\u002Ftd>\u003Ctd>UAD 2.6 reports get a risk score of 99 (Freddie Mac) or 999 (Fannie Mae) and no R&W relief for value\u003C\u002Ftd>\u003C\u002Ftr>\u003Ctr>\u003Ctd>May 20, 2027\u003C\u002Ftd>\u003Ctd>UAD 2.6 Fatal\u003C\u002Ftd>\u003Ctd>New UAD 2.6 submissions are unsuccessful with a Fatal message. Only resubmissions of earlier 2.6 reports\u003C\u002Ftd>\u003C\u002Ftr>\u003Ctr>\u003Ctd>May 20 – June 27, 2027\u003C\u002Ftd>\u003Ctd>Pipeline revisions\u003C\u002Ftd>\u003Ctd>Revisions to previously submitted 2.6 reports still accepted\u003C\u002Ftd>\u003C\u002Ftr>\u003Ctr>\u003Ctd>June 28, 2027\u003C\u002Ftd>\u003Ctd>Retirement\u003C\u002Ftd>\u003Ctd>UAD 2.6 retired. No 2.6 reports processed\u003C\u002Ftd>\u003C\u002Ftr>\u003C\u002Ftbody>\u003C\u002Ftable>\u003C\u002Fdiv>\n\u003Ch2 id=\"november-2-2026-the-mandate\">November 2, 2026: the mandate\u003C\u002Fh2>\n\u003Cp>The \u003Ca href=\"https:\u002F\u002Fsf.freddiemac.com\u002Ffaqs\u002Fuad-and-forms-redesign\" target=\"_blank\" rel=\"noopener\">Freddie Mac UAD 3.6 FAQ\u003C\u002Fa> puts it plainly: UAD 3.6 becomes mandatory for all new appraisal reports submitted to UCDP on or after November 2, 2026, and the mandate applies based on the UCDP Submission Date, not the Loan Application or Effective Date.\u003C\u002Fp>\n\u003Cp>That last part matters for your pipeline. Think about the report you inspect on Thursday, October 29. You write it over the weekend and deliver Monday morning, November 2. The lender's underwriter reviews it Tuesday and the AMC submits to UCDP Wednesday. Unless that lender has an exception, a UAD 2.6 file submitted on Wednesday is late. The effective date of October 29 doesn't save it.\u003C\u002Fp>\n\u003Cp>What this means in practice:\u003C\u002Fp>\n\u003Cul>\n\u003Cli>For orders that came in the last week of October, ask the client which format they want delivered.\u003C\u002Fli>\n\u003Cli>Don't assume a 1004 order placed in October will be accepted as a 1004 in November.\u003C\u002Fli>\n\u003Cli>If a client asks you to convert a 2.6 report you've already delivered into 3.6, that's a new report in a new format. Treat it like one, including your fee and your workfile.\u003C\u002Fli>\n\u003C\u002Ful>\n\u003Cblockquote class=\"bl-callout watch-out\">\u003Cp>\u003Cstrong>Watch out:\u003C\u002Fstrong> Some AMC portals still let you upload a 1004 PDF after November 2. That doesn't mean the lender can submit it. If you're unsure, ask in writing and keep the answer in your workfile.\u003C\u002Fp>\n\u003C\u002Fblockquote>\n\u003Ch2 id=\"the-policy-exception-who-gets-one-and-what-it-does\">The policy exception: who gets one and what it does\u003C\u002Fh2>\n\u003Cp>The September 30 notice says only \u003Cstrong>sellers\u003C\u002Fstrong> (lenders approved to sell loans to Fannie Mae or Freddie Mac) request the exception, separately from each GSE. Lenders that don't sell directly to the GSEs don't request it, but they must align with their investors. Aggregators that buy loans from third-party originators must either make sure all their TPOs submit UAD 3.6 or request the exception themselves.\u003C\u002Fp>\n\u003Cp>To get it, a seller has to acknowledge it can't meet the mandate, accept revised contract terms during the exception, and commit to a final implementation plan "including coordination with vendor(s) and appraisers." The GSEs say it is a one-time exception that will not be extended.\u003C\u002Fp>\n\u003Cp>For you, the takeaway is simple. \u003Cstrong>You don't apply for anything.\u003C\u002Fstrong> Your format is set by the order. If one AMC's lender has an exception and another's doesn't, you'll write 1004s for one and redesigned URARs for the other, possibly in the same week.\u003C\u002Fp>\n","\u003Ch2 id=\"november-2026-to-february-2027-business-as-usual-for-2-6-if-excepted\">November 2026 to February 2027: business as usual for 2.6, if excepted\u003C\u002Fh2>\n\u003Cp>From November 2, 2026 through February 28, 2027, excepted sellers can keep submitting UAD 2.6 reports. Per the \u003Ca href=\"https:\u002F\u002Fsf.freddiemac.com\u002Fdocs\u002Fpdf\u002Ffact-sheet\u002Fuad-redesign-timeline.pdf\" target=\"_blank\" rel=\"noopener\">GSE timeline\u003C\u002Fa>, those reports "will continue to be eligible for collateral R&W relief for value and receive a collateral risk score from each GSE."\u003C\u002Fp>\n\u003Cp>This is the window where you'll see the most mixed orders. Expect it, and keep both formats working. If your software only does one of the two, you may need to keep your old program for a few months. Don't cancel your old license until you know your clients' plans.\u003C\u002Fp>\n\u003Ch2 id=\"march-1-to-may-19-2027-reduced-functionality\">March 1 to May 19, 2027: reduced functionality\u003C\u002Fh2>\n\u003Cp>On March 1, 2027 the penalty starts. UAD 2.6 reports still go through UCDP, but:\u003C\u002Fp>\n\u003Cul>\n\u003Cli>Freddie Mac's Loan Collateral Advisor returns a risk score of \u003Cstrong>99\u003C\u002Fstrong>.\u003C\u002Fli>\n\u003Cli>Fannie Mae's Collateral Underwriter returns \u003Cstrong>999\u003C\u002Fstrong>.\u003C\u002Fli>\n\u003Cli>The loans are \u003Cstrong>not eligible for collateral representation and warranty relief for value\u003C\u002Fstrong>.\u003C\u002Fli>\n\u003C\u002Ful>\n\u003Cp>In plain terms, a lender loses the automated comfort it gets from a good CU score. Most lenders will not want to live there. Expect any lender still ordering 1004s in February to switch hard on March 1, and expect a wave of "can you redo this as 3.6?" calls around then.\u003C\u002Fp>\n\u003Ch2 id=\"may-20-2027-uad-2-6-is-fatal-for-new-submissions\">May 20, 2027: UAD 2.6 is Fatal for new submissions\u003C\u002Fh2>\n\u003Cp>From May 20, 2027, the exception ends. Initial submissions to UCDP must be UAD 3.6. A new UAD 2.6 appraisal returns an unsuccessful status and a Fatal feedback message on the Submission Summary Report.\u003C\u002Fp>\n\u003Cp>UAD 2.6 is still allowed for one thing: \u003Cstrong>resubmissions\u003C\u002Fstrong> of 2.6 reports already in UCDP. If you delivered a 1004 in April and the lender sends a revision request in late May, you can still revise it as 2.6 until June 27.\u003C\u002Fp>\n\u003Cp>One more rule from the \u003Ca href=\"https:\u002F\u002Fsf.freddiemac.com\u002Ffaqs\u002Fuad-and-forms-redesign\" target=\"_blank\" rel=\"noopener\">Freddie Mac FAQ\u003C\u002Fa>: UCDP does not accept mixed standards (UAD 2.6 and UAD 3.6) under the same Document File Identifier. If a 2.6 report gets redone as 3.6, it's a new submission.\u003C\u002Fp>\n\u003Ch2 id=\"june-28-2027-uad-2-6-retired\">June 28, 2027: UAD 2.6 retired\u003C\u002Fh2>\n\u003Cp>On June 28, 2027, no UAD 2.6 reports are processed. That's the real end of the 1004 era for GSE work.\u003C\u002Fp>\n\u003Cp>The FAQ adds that the retirement is specific to submission in UCDP. A loan with an older 2.6 appraisal already in the file can still be delivered to the GSEs if it was properly submitted. Your old reports don't become invalid. They just can't be submitted or resubmitted.\u003C\u002Fp>\n\u003Ch2 id=\"what-about-fha-va-and-usda\">What about FHA, VA and USDA?\u003C\u002Fh2>\n\u003Cp>The GSE timeline governs conventional loans sold to Fannie Mae and Freddie Mac. FHA appraisals go to HUD through the \u003Ca href=\"https:\u002F\u002Fwww.hud.gov\u002Fprogram_offices\u002Fhousing\u002Fsfh\u002Flender\u002Forigination\u002Fead\" target=\"_blank\" rel=\"noopener\">FHA Electronic Appraisal Delivery (EAD) portal\u003C\u002Fa>, and HUD, VA and USDA set their own adoption dates. Check each agency's current guidance before you assume a government order uses the new URAR. Ask the lender what format its FHA, VA or USDA orders require.\u003C\u002Fp>\n\u003Ch2 id=\"a-practical-calendar-for-appraisers\">A practical calendar for appraisers\u003C\u002Fh2>\n\u003Cdiv class=\"bl-table\">\u003Ctable>\u003Cthead>\u003Ctr>\u003Cth>When\u003C\u002Fth>\u003Cth>What to do\u003C\u002Fth>\u003C\u002Ftr>\u003C\u002Fthead>\u003Ctbody>\u003Ctr>\u003Ctd>This week\u003C\u002Ftd>\u003Ctd>Email every client: UAD 3.6 on Nov 2, or exception? Portal takes zips? Build one practice 3.6 report\u003C\u002Ftd>\u003C\u002Ftr>\u003Ctr>\u003Ctd>Nov 2026\u003C\u002Ftd>\u003Ctd>Deliver 3.6 to clients without an exception. Keep your 2.6 software running\u003C\u002Ftd>\u003C\u002Ftr>\u003Ctr>\u003Ctd>Jan–Feb 2027\u003C\u002Ftd>\u003Ctd>Ask excepted clients for their switch date. Most will switch before March 1\u003C\u002Ftd>\u003C\u002Ftr>\u003Ctr>\u003Ctd>March 2027\u003C\u002Ftd>\u003Ctd>Expect conversion requests. Price them as new work\u003C\u002Ftd>\u003C\u002Ftr>\u003Ctr>\u003Ctd>May 19, 2027\u003C\u002Ftd>\u003Ctd>Last day for new 2.6 submissions under the exception\u003C\u002Ftd>\u003C\u002Ftr>\u003Ctr>\u003Ctd>June 27, 2027\u003C\u002Ftd>\u003Ctd>Last day for 2.6 resubmissions. Close out any open 2.6 revisions\u003C\u002Ftd>\u003C\u002Ftr>\u003Ctr>\u003Ctd>After June 28, 2027\u003C\u002Ftd>\u003Ctd>Keep your 2.6 workfiles for the USPAP retention period, then retire the old software\u003C\u002Ftd>\u003C\u002Ftr>\u003C\u002Ftbody>\u003C\u002Ftable>\u003C\u002Fdiv>\n\u003Cp>That last row is easy to forget. USPAP's Record Keeping Rule requires you to keep each workfile at least five years after preparation, or at least two years after final disposition of any judicial proceeding in which you testified, whichever period ends later. Your 2.6 reports need to stay readable long after the format is retired. If you're changing software, export your archive before your old license lapses. The \u003Ca href=\"\u002Fblog\u002Fswitch-appraisal-software-without-losing-comps\">guide to switching appraisal software without losing your comps\u003C\u002Fa> covers how.\u003C\u002Fp>\n\u003Ch2 id=\"getting-ready-in-the-time-left\">Getting ready in the time left\u003C\u002Fh2>\n\u003Cp>Eight days isn't a lot, but it's enough to build one report from start to finish and fix what breaks. The \u003Ca href=\"\u002Fblog\u002Fuad-3-6-readiness-checklist\">UAD 3.6 readiness checklist\u003C\u002Fa> is a step-by-step list. The \u003Ca href=\"\u002Fblog\u002Fuad-3-6-complete-guide\">complete UAD 3.6 guide\u003C\u002Fa> covers the whole change. If you want to know what the GSEs will reject, start with \u003Ca href=\"\u002Fblog\u002Fuad-3-6-compliance-rules-fatal-warning\">the 728 compliance rules, Fatal vs. Warning\u003C\u002Fa>.\u003C\u002Fp>\n\u003Cp>Carat builds the redesigned URAR and the UCDP-ready zip, and runs hundreds of the H-1 compliance rules while you type, at \u003Ca href=\"\u002F#pricing\">$99 a month per appraiser, unlimited reports\u003C\u002Fa>. You or your client still upload the file, and you sign it. You can \u003Ca href=\"\u002Fsign-in?mode=create\">start an account here\u003C\u002Fa> and build a practice report before Monday.\u003C\u002Fp>\n",[52,55,58,61,64,67,70,73,76,79],{"id":53,"t":54},"the-full-uad-3-6-timeline-at-a-glance","The full UAD 3.6 timeline at a glance",{"id":56,"t":57},"november-2-2026-the-mandate","November 2, 2026: the mandate",{"id":59,"t":60},"the-policy-exception-who-gets-one-and-what-it-does","The policy exception: who gets one and what it does",{"id":62,"t":63},"november-2026-to-february-2027-business-as-usual-for-2-6-if-excepted","November 2026 to February 2027: business as usual for 2.6, if excepted",{"id":65,"t":66},"march-1-to-may-19-2027-reduced-functionality","March 1 to May 19, 2027: reduced functionality",{"id":68,"t":69},"may-20-2027-uad-2-6-is-fatal-for-new-submissions","May 20, 2027: UAD 2.6 is Fatal for new submissions",{"id":71,"t":72},"june-28-2027-uad-2-6-retired","June 28, 2027: UAD 2.6 retired",{"id":74,"t":75},"what-about-fha-va-and-usda","What about FHA, VA and USDA?",{"id":77,"t":78},"a-practical-calendar-for-appraisers","A practical calendar for appraisers",{"id":80,"t":81},"getting-ready-in-the-time-left","Getting ready in the time left",[],[84,128,161],{"slug":27,"title":85,"seoTitle":86,"description":87,"date":88,"updated":10,"category":11,"pillar":89,"howto":12,"keywords":90,"tags":101,"related":105,"faq":107,"words":126,"minutes":127},"UAD 3.6: The Complete Guide for Residential Appraisers (2026)","UAD 3.6 Guide for Appraisers (2026) | Carat","UAD 3.6 explained for working appraisers: the redesigned URAR, MISMO 3.6 XML, the 728 compliance rules, the November 2, 2026 mandate and how to get ready.","2026-10-20",true,[91,92,93,94,95,96,97,98,99,100],"uad 3.6","uad 3.6 appraisal","uniform appraisal dataset 3.6","redesigned urar","uad 3.6 mandate","uad 3.6 for appraisers","uad 3.6 changes","new urar form","uad 3.6 compliance rules","mismo 3.6",[23,102,103,104],"URAR","MISMO 3.6","Compliance",[5,106,28],"uad-3-6-replaces-1004-1073-1025-2055",[108,111,114,117,120,123],{"q":109,"a":110},"When is UAD 3.6 mandatory?","UAD 3.6 is mandatory for new appraisal reports submitted to UCDP on or after November 2, 2026. The date is based on the initial UCDP submission date, not the loan application date or the effective date of the appraisal.",{"q":112,"a":113},"What is UAD 3.6?","UAD 3.6 is the redesigned Uniform Appraisal Dataset from Fannie Mae and Freddie Mac. It replaces the separate appraisal forms with one dynamic report, the redesigned URAR, delivered as MISMO 3.6 XML with a matching PDF and image files in a single zip.",{"q":115,"a":116},"Does UAD 3.6 change how I value a house?","No. The appraisal process, USPAP and your analysis stay the same. UAD 3.6 changes how the data is collected, structured and reported, and it asks for more of your reasoning in structured fields and commentary.",{"q":118,"a":119},"Can I still use the Form 1004 after November 2, 2026?","Only in limited cases. Sellers that obtained a one-time GSE policy exception may submit new UAD 2.6 reports through May 19, 2027, and resubmissions of UAD 2.6 reports are accepted through June 27, 2027. UAD 2.6 is retired on June 28, 2027.",{"q":121,"a":122},"Do appraisers submit UAD 3.6 reports to UCDP?","Usually not. The appraiser delivers the zip package to the client, and the lender or its AMC submits it to UCDP. FHA loans go to the FHA EAD portal.",{"q":124,"a":125},"Is there an approval appraisers need for UAD 3.6?","No. There is no appraiser certification for UAD 3.6. Software vendors can go through GSE verification, which is a vendor listing that lenders check, not an approval for the appraiser.",3159,14,{"slug":28,"title":129,"seoTitle":130,"description":131,"date":132,"updated":10,"category":11,"pillar":12,"howto":89,"keywords":133,"tags":142,"related":144,"faq":146,"words":159,"minutes":160},"UAD 3.6 Readiness Checklist: 20 Things to Do Before You Submit","UAD 3.6 Readiness Checklist: 20 Steps | Carat","A UAD 3.6 readiness checklist for appraisers: 20 practical steps covering clients, software, the zip package, compliance rules, sketches and your workfile.","2026-10-13",[134,135,136,137,138,139,140,141],"uad 3.6 readiness checklist","uad 3.6 checklist","prepare for uad 3.6","uad 3.6 preparation appraisers","uad 3.6 transition","uad 3.6 ready","redesigned urar checklist","uad 3.6 training",[23,143,102],"Checklist",[27,29,145],"switch-appraisal-software-without-losing-comps",[147,150,153,156],{"q":148,"a":149},"How do I prepare for UAD 3.6 as an appraiser?","Confirm each client's format and delivery method, make sure your software produces the full UAD 3.6 zip, read the URAR Reference Guide for your common property types, rework your comment library, and build at least one practice report before your first live order.",{"q":151,"a":152},"Do I need special training for UAD 3.6?","There is no required GSE training or credential for appraisers. The GSEs publish free resources, including the URAR Reference Guide and sample reports, and many education providers offer courses.",{"q":154,"a":155},"How long does it take to get ready for UAD 3.6?","If your software is already set up, a focused day is enough to build a practice report and map your comments. Expect your first live reports to take longer than a 1004 did.",{"q":157,"a":158},"What should I ask my AMCs about UAD 3.6?","Ask whether they will order UAD 3.6 on November 2, 2026 or are working under a lender's policy exception, whether their portal accepts the UAD 3.6 zip, and whether they have any added requirements beyond the GSE rules.",1486,6,{"slug":29,"title":162,"seoTitle":163,"description":164,"date":165,"updated":10,"category":11,"pillar":12,"howto":12,"keywords":166,"tags":174,"related":175,"faq":178,"words":194,"minutes":47},"The 728 UAD 3.6 Compliance Rules: Fatal vs. Warning, and the Ones That Bite","UAD 3.6 Compliance Rules: Fatal vs. Warning | Carat","UAD 3.6 compliance rules explained: 728 rules in Appendix H-1, 592 Fatal and 136 Warning, how they work and which ones are most likely to stop your report.","2026-10-08",[99,167,168,169,170,171,172,173],"uad 3.6 fatal errors","appendix h-1 compliance rules","uad compliance api","ucdp fatal error","uad 3.6 warning messages","uad 3.6 hard stops","ucdp submission summary report",[23,104,25],[27,176,177],"mismo-3-6-xml-explained","ai-catches-amc-revision-requests",[179,182,185,188,191],{"q":180,"a":181},"How many UAD 3.6 compliance rules are there?","Appendix H-1 version 1.5, the compliance rules for the redesigned URAR, lists 728 rules: 592 Fatal and 136 Warning.",{"q":183,"a":184},"What is the difference between a Fatal and a Warning in UAD 3.6?","A Fatal finding makes the UCDP submission unsuccessful until the report is corrected and resubmitted. A Warning does not stop the submission, but it is reported to the lender on the Submission Summary Report for review.",{"q":186,"a":187},"Where can I find the UAD 3.6 compliance rules?","Fannie Mae and Freddie Mac publish them on their Uniform Appraisal Dataset pages. Appendix H-1 is the rule set for the redesigned URAR, and the GSE FAQ also points to Appendices H-2 and H-3.",{"q":189,"a":190},"Who runs the UAD 3.6 compliance rules?","The GSEs run them through the UAD Compliance API when a lender submits to UCDP. Good appraisal software runs the same rules locally so you can fix findings before you deliver.",{"q":192,"a":193},"Why does a rule say to contact the appraisal software vendor?","Those messages usually point to how the XML was written, such as a number format or an internal reference, rather than to something the appraiser entered. Report them to your software vendor.",1711,1793082914946]