Fannie Mae builds and maintains credit risk models for its Desktop Underwriting platform in one of the most heavily regulated lending environments in the U.S. The core problem their team faced was structural: ad-hoc experimentation scatters parameters, metrics, and artifacts across notebooks and local files, leaving each governance review as a reconstruction effort rather than a verification. Their solution was fnm-benchmark, an internally developed Python library that treats a configuration file as the single source of truth for every pipeline run and populates a centralized RunContext automatically as each task executes.
Machine learning governance built into the workflow means the evidence exists by definition when review begins, not because a data scientist remembered to compile it. The first production use of fnm-benchmark was a credit risk model for the Desktop Underwriting platform. A project that had historically taken four months was completed in six weeks, with a review-ready evidence package. When leadership requested one additional run after approval, the revision was complete in under a day.
The distinction that matters is between documentation that describes what was done and infrastructure that captures it as it happens.