Current guidance is a systems problem, not a bulletin problem.

The bulletin is the easy part

Mortgage teams do not usually lose the plot because nobody saw the agency update. The hard part begins after the bulletin is read, when the live loan still behaves like the old logic applies.

Where drift begins

• a condition still reflects the prior rule
• a scenario answer still inherits stale assumptions
• a worksheet still points to the old method choice
• reviewers can see a result, but not why it changed