Specifications include, but are not limited to: The following are the functions the Agency’ expects the Contractor to perform: • The Contractor will conduct a post-closing audit of the credit and closing documents to determine whether they meet secondary marketing or Agency standards and are in compliance with federal, state, and Agency requirements. • Section 3.3 references the loan closing documents which are currently obtained by the Agency. The Contractor will work with the lender to obtain any missing loan closing documents. • The review will ensure the loans were closed in compliance with federal and state requirements. The Contractor will perform compliance testing, which includes, but is not limited to, TRID disclosure audits and Anti-predatory, state and agency high-cost testing. When applicable, the Right of Rescission is reviewed for disclosure and the rescission window is compliant. • The Contractor must comply with SSAE 16. See Definitions. • The Contractor must have extensive knowledge regarding Fannie Mae Mismo File, and any updates to the file by Fannie Mae. See Definitions. • The Contractor must have extensive knowledge regarding the ULDD, the common set of data elements required by Fannie Mae and Freddie Mac for single-family loan deliveries. The Contractor will be required to validate the ULDD fields against the loan file