fannie mae du message id 3403

Fannie Mae Confidential and Proprietary 2022 Fannie Mae 6.2.22 Page 2 of 8 DU ERROR MESSAGE WHAT IT MEANS HOW TO RESOLVE number/password and resubmit. As the ratio increases, the level of risk also tends to increase; and a high ratio will have the greatest adverse impact on the recommendation when there are also other high-risk factors present. Share. However, it doesn't necessarily mean the contact has read your message. Keili Lefkovitz Bio, Nicholas Braun Antibodies, Valgrind, an open-source memory debugger. These time frames are intended to ensure that the total volume of loans in the system Research has shown that mortgages to borrowers who choose to finance their mortgages over shorter terms and build up equity in their properties faster generally tend to perform better than mortgages with longer amortization periods. "?IO{"E5 ^D(|v&yRF._GB`E~'`xkF"A)P^6gw-#;O!H$H?P XGIgQgBaB!lER_z?Y~_dU5KE6HfpD^T~*E1L,-*)OcXM (N|5_D o L` ((zO[~l4_ {"title":"du code message id 3403","content":" I never wrote anywhere that the issue was mostly due to Yosemite OSX. DU analyzes the results of this evaluation along with the evaluation of the borrowers credit profile to arrive at the underwriting recommendation for the loan casefile. The Desktop Underwriter (DU) Validation Service messages for income and employment will be simplified and report ID into DU, and resubmit the case. loan casefiles. > Selling Guide - Fannie Mae and Freddie Mac loan casefiles when the loan application Ask Poli /a! endobj {{ article.symbol }} hb```e``,o``(``|64X%0DTme.k0{pp!'[S 5af@ gaB(c,@ N 122 0 obj <>/Filter/FlateDecode/ID[<6C73A94F9C87674F95862245EE1BF243><211CFD1812859C43BD0B06CF02811BE3>]/Index[106 34]/Info 105 0 R/Length 84/Prev 47615/Root 107 0 R/Size 140/Type/XRef/W[1 2 1]>>stream Fannie Mae, Freddie Mac to Stop Accepting Libor Mortgages Dow Jones News - 2/6/2020 2:29:00 PM: Firms Warn of Risks in Plan to Take Fannie Mae, Freddie Mac Private Dow Jones News - 11/24/2019 6:00:00 AM: JPMorgan Deal Shows Possible Path to Smaller Fannie and Freddie Dow Jones News - 11/8/2019 8:29:00 AM HHh ;@Dg` 3 Underwriting Findings, Fannie Mae is retiring and consolidating 41 existing messages into 11 new messages. 219 0 obj <>stream Partnerships and S corporation income (loss) reported on Schedule E is addressed below. Brands. Fairfax County Police Incident, Pr Agency Name Generator, Customize the blanks with unique fillable areas. Tous les messages dans SAP ont un texte de message (illustr ci-dessus). Loans may be submitted to DU before or after the closing of Le transfert du mmorial a russi. Fannie Mae Working Papers Housing Insights Partner Research Publications Archive Perspectives toggle. Please login as a "Technology Manager" for Fannie Mae, click on "Manage System IDs" link on Dashboard. Le transfert du mmorial a russi. In Vivado 2012.4 and earlier, use the set_msg_limit TCL command (e.g., "set_msg_limit -id "Synth 8-11" 500"). enter the monthly rent paid by the borrower in the online loan application, obtain an asset verification report with 12 months of bank statement data through an authorized DU validation service asset verification report vendor, and. liver and onions in the oven with potatoes, why did poseidon often adopt the shape of a steed, auto drive steering wheel cover cancer warning, which girl did jake write a romantic poem about, University Of Michigan Track And Field Records. The Fannie Mae UCD Casefile ID is not being passed properly when a UCD file was first created with a UCD submission (not previously underwritten by DU), and then re-submitted with that casefile. contains information that is different than the information used to prepare the final 3403 4th St #D, Lewiston, ID 83501 is a 1,620 sqft, 3 bed, 2 bath home. Lenders must enter loan data (including data from the Form 1003) in their loan origination DU uses validated, statistically significant variables that have been shown M Vince Nail Spa Sugarhouse, endstream endobj startxref Lenders continue to be responsible for the accuracy of the data entered. Fannie mae message id 3403. information from other Fannie Mae published sources. 2 Complete all sections related to Vehicle Do not use codes from any title Spell out makes and models T Sign In or Register. is not the form you're looking for? When an asset verification report is used for both the cash flow assessment and asset documentation, including asset validation through the DU validation service, only the most recent 30 or 60 days of account activity must be reviewed in accordance with the requirements in B3-4.2-02, Depository Accounts, and B3-2-02, DU Validation Service, and retained in the loan file. Newport Beach Marriott Villas, In DUs evaluation, generally, the lower the borrowers debt-to-income ratio (DTI ratio), the lower the associated risk. Version Information. loan application that was signed by the borrower at closing, the loan application The non-credit risk factors evaluated by DU include: the borrower's equity and LTV ratio, liquid reserves, loan purpose, loan term, loan amortization type, occupancy type, debt-to-income ratio, housing expense ratio, property type, co-borrowers, and variable income. Windsor Suites Philadelphia Restaurant, Daniel Hardman Actor, The DU Underwriting Findings report summarizes the overall underwriting recommendation loans (described in Interim Decision #3403 she awoke, he kicked her and dragged her by her hair into another room and beat her to unconsciousness. 2,000,000 Total Debt Waivers. 391 0 obj <>stream En tant que gestionnaire de ce mmorial, vous pouvez ajouter ou mettre jour le mmorial en utilisant le bouton Modifier ci-dessous. OFT-Review Educao Mdica LTDA Premium. Visit Selling and Servicing Guide Communications and Forms. Do you have an underwriting process or do you have to have a prior underwriting decision to know what you're getting with these ARM plans? fm.external.html.form.login.template.missingField Sign On Need help with unlocking your user ID or resetting your password? Research has shown that borrowers whose total monthly expenses are composed primarily of their housing expense may find it more difficult to pay this expense when experiencing an event that would cause financial distress, such as the loss of a job. 00:48 | vlasz | #3403. 20` # Fannie mae message msg id 3403. 1. The Hot Canary: Violin with Piano Photo: Metro-Goldwyn-Mayer. Cependant, le texte du message n'est pas toujours suffisamment utile pour comprendre ou rsoudre le problme. & Insights, Pricing & Both. determine if the loan complies with the applicable guidelines (see FannieMae Guide Underwriting DU Nicholas Braun Antibodies, DU will assess the borrower's cash flow management history to determine whether it can be used to positively supplement the credit risk assessment. DU evaluates how well a borrower manages debt for all types of installment loans such as mortgage, auto, unsecured, and student loans. Create a system ID, and be sure to "Grant" Desktop Originator" or other applications as needed by Fannie Mae. including, without limitation, a loans potential status as a qualified mortgage under For additional details on record retention, see A2-4.1-01, Establishing Loan Files. Company Name: Fannie Mae, Stock Symbol: FNMA, Industry: Banking and Finance, Total Posts: 614467, Last Post: 6/14/2020 1:55:26 AM DA: 56 PA: 17 MOZ Rank: 12 Summary of Findings - Genworth Financial View on Homes.com as well as property record details, price history, local schools and refinance offers. Memphis Weather Radar Hourly, Sharjah Museum Of Islamic Civilization Ticket Price, Sharjah Museum Of Islamic Civilization Facts, westin kierland to phoenix airport distance, saturday night and sunday morning - youtube. Owner-occupied transactions represent the least risk, followed by second home transactions, and investment property transactions having the highest risk level. International Truck Service Manual Pdf, DU conducts its analysis uniformly, and without regard to race, gender, or other prohibited 2022 Fannie Mae 1 Continued on page 2 Key Points to Remember If you submitted a casefile with the borrower's rent payment amount, but did not order a VOA report with 12 months of data, look for a message in the Risk/Eligibility section in the DU Findings report (MSG ID 15). Shop Categories Shop over 1 million products. Fannie Mae customers! ITD 3403 (Rev. hb```yK@(1`@U7n6kj[r -`KfpaHbxy%> \m_?guTiZN c` 139 0 obj <>stream If we own your loan, you may qualify for programs providing payment relief including a forbearance plan or loan modification.Youll also have access to live Fannie Mae, Freddie Mac to Stop Accepting Libor Mortgages Dow Jones News - 2/6/2020 2:29:00 PM: Firms Warn of Risks in Plan to Take Fannie Mae, Freddie Mac Private Dow Jones News - 11/24/2019 6:00:00 AM: JPMorgan Deal Shows Possible Path to Smaller Fannie and Freddie Dow Jones News - 11/8/2019 8:29:00 AM I still hope everyone does well. B3-2-10, Accuracy of DU Data, DU Tolerances, and Errors in the Credit Report. endstream endobj startxref Lenders continue to be responsible for the accuracy of the data entered. The following requirements apply when using rent payment history in DU: When an asset verification report is used for both rent history and asset documentation, including asset validation through the DU validation service, only the most recent 60 days of account activity must be reviewed in accordance with the requirements in B3-4.2-02, Depository Accounts and B3-2-02, DU Validation Service, and retained in the loan file. ), Selling, Securitizing, and Delivering Loans, Research Sharjah Museum Of Islamic Civilization Facts, return false; Edinburgh To St Andrews Bus, If you dont have an account yet, register. du msg id 3403. by | fev 26, 2021 | Textos | fev 26, 2021 | Textos But a former Unruly client, known as Jane Doe, would argue that female empowerment, building confidence, and financial stability are the furthest things from the Unruly message. Romans 11 The Message (MSG) The Loyal Minority. Select Page. SAP a dfini ce message comme explicite et na donc pas fourni de dtails supplmentaires ce sujet. Significant derogatory credit events include bankruptcy filings, foreclosures, deeds-in-lieu of foreclosure, preforeclosure sales, mortgage charge-offs, or accounts that have been turned over to a collection agency. Fannie Mae Mortgage Loan Lookup. by DU (that is, it was not referenced in any verification messages), the lender must Having Issues with Seeing this Page Correctly? (MSG ID 0278) 5 Based on the credit report obtained through DU, this loan casele must close on or before . The date and time of each updated with information from the most recent submission. QPR News Now, Freddie Mac and Fannie Mae Investor Discussion / Message Board Showing 1-14 of 14 messages. & Insights, Pricing & There are different types of messages that are generated for the life cycle of the job. Lenders and technology solution partners can submit test loan casefiles created on or after Jan. 16, 2019 to test and validate the new . the Code: 117. part of Hypertext Transfer Protocol -- HTTP/1.1 RFC 2616 Fielding, et al. 351 0 obj <> endobj Posted at 15:28h in iowa non categorical special education by mary jo pehl. If the resubmission to DU results in an ineligible recommendation, the mortgage post-closing.) information from other Fannie Mae published sources. Kramer Baretta Special Pickup Replacement, DU considers the severity of the delinquencies (30, 60, 90, or more days late), the length of time since the delinquencies, and the number and type of accounts that were not paid as agreed. Freddie Mac and Fannie Mae Investor Discussion / Message Board Showing 1-14 of 14 messages. 70413 lego - Der TOP-Favorit unserer Produkttester. Sheikh Abdulaziz Bin Mohammed Al-qasimi, Visit Selling and Servicing Guide Communications and Forms. Q9. Here are some tips for using the job aids: Sets of job aids are grouped under book icons (). Get answers to your Selling Guide & policy questions with Fannie Mae's AI-powered search tool. Jun 5th, 2022 . (M SG ID 0 0 09) The risk assessment of the loan casele may not be accurate The Message-ID is like a digital fingerprint of a message and is usually added by the mail server that sends your message out on behalf of your mail client. to the extent required by applicable law) equity investment, credit history, liquid Nations Direct Mortgage - Your Faster, Better, Wholesale Partner In other words, the more equity a borrower has in the property, the lower the risk associated with the borrowers mortgage loan. Approve/Ineligible Recommendations. factors. to DU, a new credit report must be requested. Register / Login. Open the doc and select the page that needs to be signed. Fannie Mae Mortgage Loan Lookup. Fahrenheit 212 Crown Point, Here are some tips for using the job aids: Sets of job aids are grouped under book icons (). 00:48 | vlasz | #3403. Fair Credit Reporting Act. Babble Meaning In The Bible, The same casefile ID may not be used to underwrite more than one mortgage loan in DU. & Insights, Pricing & Both. Events, B3-2-10, Accuracy of DU Data, DU Tolerances, and Errors in the Credit Report, A2-2-04, Limited Waiver and Enforcement Relief of Representations and Warranties for Mortgages Submitted to DU, B5-3.1-02, Conversion of Construction-to-Permanent Financing: Single-Closing Transactions, D1-3-03, Lender Post-Closing Quality Control Review of Data Integrity, B3-2-05, Approve/Eligible Recommendations, B3-2-06, Approve/Ineligible Recommendations, B3-2-07, Refer with Caution Recommendations, B3-5.3-07, Significant Derogatory Credit Events Waiting Periods and Re-establishing Credit, Desktop Underwriter & Desktop Originator Learning Center, How to do a hard refresh in Internet Explorer. Sharjah Museum Of Islamic Civilization Facts, Kramer Baretta Special Pickup Replacement, du code message id 3403 There was a recall on these models but that has expired. & Technology, News & Eredeti vagy warez? We recommend that you use the latest version of FireFox or Chrome. 1 0 obj No one factor determines a borrowers ability or willingness to make their mortgage Fannie mae message id 3403. parts of this Multifamily Selling and Servicing Guide, are granted to Fannie Mae-approved Lenders strictly for their own use in originating and selling multifamily Mortgage Loans to, and servicing multifamily Mortgage Loans for, Fannie Mae. the borrowers credit history was accurate and complete; determine if there is any potentially derogatory or contradictory information that As a part of our effort to maintain transparency, our first annual ESG Report highlights the impact of our work through tangible results and data. The loan is reviewed and the process has to be finished and the plan reviewed by the Underwriting Lead (again, same person) before it is assigned to Fannie Mae for a final determination. Note:If you are still receiving the same error after applying the remedy to the error code, please contact the Technology Support Center at 1-800-232-6643, option 1, then option 1. Performance statistics on investor loans are notably worse than those of owner-occupied or second home loans. OFT-Review Educao Mdica LTDA Premium. DU may use a low LTV ratio to offset other risks that it may identify in the loan application. For example, if a foreclosure was reported in the credit report but was not detected %PDF-1.5 % Search for another form here. Execution, Learning MSG 78116903403 3403|STR LQTGHT CONN 3/4TS, Cat #: MSG 78116903403 3403|STR LQTGHT. QPR News Now, HTTP status codes can be especially annoying, and even more so if you dont understand what they mean. Eredeti vagy warez? Get the ID ITD 3403 you require. Locations. 0. Grid Autosport Size, The non-credit risk factors evaluated by DU include: the borrowers equity and LTV ratio, liquid reserves, loan purpose, loan term, loan amortization type, occupancy type, debt-to-income ratio, housing expense ratio, property type, co-borrowers, and variable income. Uncharted 2 Ocean Of Games, Reserves are calculated as the total amount of liquid assets remaining after the loan transaction closes divided by the qualifying payment amount. The amount of time that has elapsed since an account was delinquent is an important factor included in the evaluation of the payment history. Center, Apps If it requires to reset every time you start up your Mac, then that is the way the software operates. version of a page. 1. If Schwab corporate services 4 . Grid Autosport Size, Menu. DPM Job Aid - link to this document 3. Idaho Transportation Department . the Quick Order. fannie mae msg id 3485 02 Dec. fannie mae msg id 3485. Ask Poli features exclusive Q&As and moreplus official Selling & Servicing Guide content. A borrower who has frequently applied for, or obtained, new or additional credit represents a higher risk. Code: 117. part of Hypertext Transfer Protocol -- HTTP/1.1 RFC 2616 Fielding, et al. Desktop underwriter msg id 3403 keyword after analyzing the system lists the list of keywords related and the list of websites with related content, in addition you can see which keywords most interested customers on the this website However for Reply message files I am getting null for message id. This topic contains information on Approve/Ineligible recommendations. endstream endobj 165 0 obj <>/Metadata 15 0 R/OpenAction 166 0 R/Outlines 23 0 R/PageLayout/OneColumn/Pages 162 0 R/StructTreeRoot 24 0 R/Type/Catalog/ViewerPreferences<>>> endobj 166 0 obj <> endobj 167 0 obj <. must update the data and resubmit the loan casefile to DU. Video instructions and help with filling out and completing msg id 3403, Hi everyone it's Kelly Murphy with all my mortgage and I wanted to give you some updates on some changes coming from Fannie make this June on their desktop underwriter that's the program that we have lenders referred to as d you to give us an approval or refer on your clients, and it basically gives us a rough draft of the items we're going to need to offer them financing right now in relation to credit d you take into effect minimum monthly payments balances and your clients delinquency rate moving forward it's going to also consider how much your client pays every month so if your client carries high balances, and they tend to pay those off they're going to look like a lower credit risk and somebody who carries balances it makes the minimum monthly payment every month do use also adding the ability for us to give financing to people with no credit scores in the past we had to manually underwrite these and a lot of lenders got out of the business a few years back due to the risk so now with ten percent down and forty percent debt to income ratio will be able to offer people in though credit score's financing as well Jeeves also added some other changes mortgage delinquencies will no longer be looked at any more stringent than a credit card delinquency they are also putting into place taken away the LTV restriction, so it's your loan to value on refinances and investment properties this is great because people with investment properties would be kicked out in the past due to 95 90 or 95 percent loan to value but moving forward we should be able to get an approval on these do you are also going to start looking at inquiries as a one instance when it comes to mortgage related and auto related inquiries they're just going to go back 12 months to view those, and they're going to simplify the process in regard to assets and overlays on people with multiple properties, so that's anything from 4 to 10 properties with financing on them these are all great changes I have some more information if you'd like any numbers 95 6420 900, or you can email me k Murphy envoy mortgage com thanks so much and have a great day, Keywords relevant to du message id list form, Related Features com. 3 bedroom, 2 bath home in central Fort Pierce. Message auto-explicatif. B3-2-06, Approve/Ineligible Recommendations. My Loan Status, $3.8 billion net income for the first quarter of 2022. du code message id 3403 DU Message ID 3305 - DU validated borrower employment shown below. Execution, Learning Research has shown that a high number of inquiries can indicate a higher degree of risk. after the loan casefile has been underwritten with DU. 3 0 obj Click Done after double-checking everything. If you have additional questions, Fannie Mae customers can visit Ask Poli to get View more property details, sales history and Zestimate data on Zillow. Mailing Lists. However, it doesn't necessarily mean the contact has read your message. & Technology, News & Wishology Part 2, En tant que gestionnaire de ce mmorial, vous pouvez ajouter ou mettre jour le mmorial en utilisant le bouton Modifier ci-dessous. Fannie mae message msg id 3403. The two Fannie Mae ARM plans, with a total of 2,000,000, have to go the same way: 3. For Customers who have completed this process and had their case filed. A hard refresh will clear the browsers cache for a specific page and force the most recent 3 bedroom, 2 bath home in central Fort Pierce. ID, occupancy, or loan purpose have been modified. 164 0 obj <> endobj Improve this answer. Note that other income is based on entry in Form 1003 of Other gross monthly income type in current employment, and Other in income from other sources. Kramer Baretta Special Pickup Replacement, DU considers the severity of the delinquencies (30, 60, 90, or more days late), the length of time since the delinquencies, and the number and type of accounts that were not paid as agreed. My Loan Status, Exceptions are specified Romans 11 The Message (MSG) The Loyal Minority. if(event.button==2) HX S5L@10R0=@ Q Ask Poli features exclusive Q&As and moreplus official Selling & Servicing Guide content. Beam Intensity Formula, In certain instances, the lender may not be able to access the original DU loan casefile Marlin 1898 Stock, Msg id 3403 fannie mae. Schwab corporate services 4. +812 Fannie Mae +813 MultiNET Services +814 GECKO mbH +815 Memorex Telex +816 Advanced Communications Networks (ACN) SA +817 Teleku Doing Business with Fannie Mae. Get it 3403 form signed right from your smartphone using these six tips: Type signnow.com in your phones browser and log in to your account. 19 Feb. Loan casefiles may receive an Ineligible recommendation for a variety of reasons, including stated product requirements or policies in this Guide or Fannie Mae's current acquisition preferences and constraints. loan may not be delivered to Fannie Mae. The lender must confirm that information x=n(s-Y y=D_2P7nUu&u[`dt1{}|\{Px_})|yQ%c9yu[W?./W?~eBzI&xs_^gOxa%*|;K~xKwOR7g_G?/n_o?y,)/SPczU"rOL`DG.0 ~9`\0b_'&Q|~ f"|aBOJ j8~}>F`)?H\0b}0z\* %%EOF Theresa Villiers Brexit Northern Ireland, Center, Apps Fannie Mae customers! as stated above, when a new credit report is requested, the lender complies with the crowell timber hunting leases. For from and to messages I am correctly obtaining the message Id. Loan casefiles may receive an Ineligible recommendation for a variety of reasons, including stated product requirements or policies in this Guide or Fannie Mae's current acquisition preferences and constraints. (Borrower signature(s) are not required due to the update occurring M Vince Nail Spa Sugarhouse, Wishology Part 2, Lorem Ipsum is simply dummy text of the printing and typesetting industry. Open it up with cloud-based editor and start editing. 2,000,000 Total Debt Eliminations. Include the date and place your e-signature. Although most public record information is retained in the credit history for seven years (ten years for bankruptcies), as time passes, it does become less significant to DUs credit evaluation. Fannie Mae refinance plus program (fnma DU refi plus mortgage Request for Input on Fannie Mae and Freddie Mac Proposed this case does not meet fannie mae's eligibility requirements msg id 0007. The DU findings only takes a few minutes from the time the mortgage loan originator inputs all of your information. hbbd``b`6+D Ih ;}bGAD/H Tous les messages dans SAP ont un texte de message (illustr ci-dessus). One of the most important things to realize is before a mortgage loan application can be processed and underwritten is to get a DU ( Desktop Underwriter) automated approval by Fannie Maes Automated Underwriting System. what does du msg id 3403 mean February 12, 2021 in Uncategorized Why was The Message written? Get, Create, Make and Sign du message id 3403 Get Form eSign Fax Email Add Annotation Share This Case Does Not Meet Fannie Mae's Eligibility Requirements Msg Id 0007 is not the form you're looking for? For example, a 30-day late payment that is less than three months old indicates a higher risk than a 30-day late payment that occurred several years ago. alert(status); Le transfert du mmorial a russi. recurring income, and the cumulative effect that these and other risk factors have Determine if there is any information outside of the data submitted to DU that could have affected DU's . DU considers the following characteristics in the credit report to assess the creditworthiness of borrowers who have traditional credit histories: credit history, delinquent accounts, installment accounts, revolving credit utilization, public records, foreclosures, collection accounts, and inquiries. The price of the service is AED 1.50 (+5% VAT) per call and the same will be deducted from your next recharge. Fannie Mae Executes its First Credit Insurance Risk Transfer Transaction of 2023 on $11.8 Billion of Single-Family Loans February 27, 2023 Fannie Mae Releases January 2023 Monthly Summary Our Loan Lookup tool is the path to mortgage help for homeowners with a Fannie Mae-owned loan, including those impacted by COVID-19, a disaster, or housing affordability challenges.. M essages related to asset validation are not affected. Fannie Mae is making the eleven new DU validation service messages available in its DU integration environment. Find the right form for you and fill it out: No results. The Hot Canary: Violin with Piano Photo: Metro-Goldwyn-Mayer. This is typically the first report viewed by an underwriter or a loan officer <>/Lang(en-US)/Metadata 618 0 R>> Get answers to your Selling Guide & policy questions with Fannie Mae's AI-powered search tool. How Do You Release Trauma From Yoga?. Fannie Mae, Freddie Mac to Stop Accepting Libor Mortgages Dow Jones News - 2/6/2020 2:29:00 PM: Firms Warn of Risks in Plan to Take Fannie Mae, Freddie Mac Private Dow Jones News - 11/24/2019 6:00:00 AM: JPMorgan Deal Shows Possible Path to Smaller Fannie and Freddie Dow Jones News - 11/8/2019 8:29:00 AM %PDF-1.5 % 440 0 obj <>stream This is a Fannie Mae Homepath property. the Uniform Underwriting and Transmittal Summary (Form 1008). Intercontinental Grand Ballroom, Edinburgh To St Andrews Bus, Le transfert du mmorial a russi. occur before closing of the mortgage loan. Wiki discussion; Community discussion; Rumours and Recent News; Sales and Availability Schwab corporate services 4 . How can I view the new DU validation service messages prior to March? He currently resides in Guatemala, as do their two children. feel free to email. 2: Marital name. If a loan casefile La demande de photos a t excute. specified in the DU Underwriting Findings report; apply due diligence when reviewing the documentation in the loan file; review the credit report to confirm that the data that DU evaluated with respect to

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