The Mortgage Servicing Rules require a servicer to establish policies to achieve which objective?

The Mortgage Servicing Rules emphasize the importance of establishing robust policies and procedures that assist servicers in managing their relationships with service providers effectively. This includes ensuring that service providers comply with applicable laws and regulations, which is crucial for maintaining integrity within the mortgage servicing industry. By ensuring oversight and compliance throughout the servicing process, servicers safeguard themselves and consumers against potential risks associated with third-party activities.

In this context, effective policies not only enhance operational efficiency but also promote accountability among service providers. Therefore, the requirement for servicers to establish such policies aligns with the overarching goal of protecting consumers and ensuring that the mortgage servicing process remains fair and transparent.

The other choices, while they may relate to good business practices in the mortgage industry, do not directly derive from the specific focus of the Mortgage Servicing Rules on the servicer's relationship and oversight of service providers.