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On behalf of NCLC’s low-income clients, NCLC responds to HUD’s planned revision of the face-to-face meeting regulation, 24 C.F.R. § 203.604, as indicated on the agency’s regulatory agenda. By ensuring that servicers make a significant attempt to discuss loss mitigation options with borrowers, 24 C.F.R. § 203.604 facilitates the effective communication between borrowers and servicers…
We write to request that HUD strengthen the current requirements related to origination and servicing of Federal Housing Administration (FHA) mortgages for borrowers with limited English proficiency (LEP). We applaud HUD’s LEP access provisions for borrowers in delinquency or default, as well as the agency’s recently-released Language Access Plan, which helps assess needs, promotes the…
Read More about Group Letter to FHA on Language Access for Borrowers
The Housing Policy Council and the National Consumer Law Center write to provide a joint update on the groups’ recommendations regarding the Servicing Defect Taxonomy that FHA is developing. Since submitting initial recommendations, HPC and NCLC have worked closely together in an effort to reach alignment on a number of issues where those previous recommendations…
Read More about Letter to HUD Regarding Revised FHA Servicing Defect Taxonomy Proposal
On behalf of our low-income clients, we provide four recommendations for improving the United States Department of Agriculture’s (USDA) programs aimed at providing and sustaining affordable homeownership in rural areas. We appreciate the opportunity to make these proposals, and we look forward to further discussion.
Center for Responsible Lending, National Consumer Law Center (on behalf of its low-income clients), National Fair Housing Alliance, and National Housing Conference share reactions to the Defect Taxonomy straw proposal that the Housing Policy Council (HPC) sent to HUD on May 12, 2022. We think an effective defect taxonomy can be a critical tool in…
On behalf of the clients, communities, and neighborhoods we represent, we write in support of HUD’s proposed amendment to 24 C.F.R. § 203.616, which would increase the maximum payment term of a loan modification from 360 months to 480 months.
Read More about Group Letter to HUD Regarding the Increased 40-year Term for Loan Modifications