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Does the November 2 deadline go by order date or submission date?

“I have orders placed before November 2. Does the UAD 3.6 deadline go by the order date, the effective date, or the date the report is submitted? Can I still deliver a UAD 2.6 report for an older order after November 2?”

Last checked: Oct 20, 2026. Guidance can change, so check the official pages linked below before relying on this.

Plain-English answer

1. The written GSE rule goes by the report's first submission date to UCDP. Order date and effective date do not decide it. UAD 3.6 is mandatory for all new appraisal reports submitted to UCDP on or after November 2, 2026, “based on the initial UCDP Submission Date of each report” [1][2].
2. The GSEs say the order date and effective date are not the test. Freddie Mac's FAQ says the mandate “is based on the UCDP Submission Date, not the Loan Application or Effective Date.” It also tells lenders to allow “enough time to order, receive, and submit any UAD 2.6 appraisal reports prior to November 2, 2026” [1].
3. The one written exception is the policy exception for lenders. A Seller that is not ready must request a policy exception from each GSE it sells to. Only then can it keep submitting UAD 2.6 reports to UCDP during the exception period [1][2]. The GSEs also wrote: “The November 2, 2026 mandate is not changing” [3]. The exception has its own FAQ.
4. Your engagement letter tells you which format to use. The FAQ says the 2.6-or-3.6 answer “should be in the Engagement Letter. If not, work with your client.” Lenders may roll out 3.6 in stages, so it can differ from one assignment and one lender to the next [1][4].
5. Watch out for one webinar summary in circulation. A summary of a Freddie Mac analyst's remarks at an AVSociety meeting says orders placed before Nov 2 and still pending on Nov 2 may be delivered in either format [5]. That does not match the GSEs' written FAQ above, and the summary itself hasn't been confirmed. Until the GSEs publish otherwise, follow the written FAQ and your lender's instructions.

Sources

• [1] Freddie Mac UAD 3.6 FAQ: “[Updated 9/30/2026] How will the UAD 3.6 mandate be enforced?” and “How do I prepare for UAD 3.6?” Official. https://sf.freddiemac.com/faqs/uad-and-forms-redesign
• [2] Joint GSE UAD 3.6 FAQ PDF, FAQ #2 (Updated 9/30/2026). Official. https://singlefamily.fanniemae.com/media/document/pdf/uad-and-forms-redesign-faqs
• [3] Joint Fannie Mae / Freddie Mac announcement, “Temporary Policy Exception for Sellers Unable to Meet UAD 3.6 Mandate,” Sept 30, 2026. Official. https://singlefamily.fanniemae.com/media/document/pdf/uad-36-contingency-announcement
• [4] Freddie Mac FAQ, “how will I know whether to perform… UAD 2.6 or UAD 3.6?” Official. https://sf.freddiemac.com/faqs/uad-and-forms-redesign
• [5] Freddie Mac analyst at an AVSociety meeting (YouTube), as summarized secondhand. Not written guidance; conflicts with [1] and [2]. https://www.youtube.com/watch?v=gMKvGDi6BSA

Limits. Not legal advice. Lender and client instructions control. This covers feasibility and process only. It gives no advice on value or fees. GSE guidance can change, so check the current FAQ before relying on this.