Beginning next year, Fannie Mae and Freddie Mac will have to obtain identification numbers for the loan officer, originating lender, and appraisers involved in each loan they buy or guarantee, their regulator said.

The requirement will help the government-sponsored enterprises monitor the performance of loans originated or appraised by specific companies or individuals, the Federal Housing Finance Agency said last week. "If originators or appraisers have contributed to the incidences of mortgage fraud, these identifiers allow the enterprises to get to the root of the problem and address the issues," James Lockhart, the agency's director, said in a press release.

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