# Regulatory freshness

Research was checked on 2026-08-24. The system records authoritative entry points rather than freezing every current threshold or program number into symbolic node text. Current operational decisions must re-check statutes, regulations, official interpretations, agency handbooks, selling and servicing guides, state law, local recording practice, and contractual documents.

High-change sources include CFPB regulations and implementation resources; FHA Handbook 4000.1; VA Pamphlet 26-7 and circulars; USDA HB-1-3555; Fannie Mae and Freddie Mac Guides; the Ginnie Mae MBS Guide; MISMO digital-mortgage standards; and local building, zoning, title, foreclosure, insurance, and tax rules.
