Effective July 2017, credit reports will no longer include most tax liens and civil judgments. There will be no impact to
the DU risk assessment and recommendations. There will be no change to our current policy that requires judgments and liens
to be paid off before or at closing.
The GSEs have released implementation guidance and clarity around the effective date for the redesigned URLA (Fannie Mae Form
1003). See the announcement and republished forms and resources on the URLA page.