State Covid-19 related housing actions, April 20, 2021 The following are summaries of actions certain states have taken in response to the Covid-19 crisis to limit home foreclosures. The list may not be complete, as state and local governments continue to adopt new emergency measures at a fast pace. Consumers and their advocates should carefully [...]

Connecticut Orders Indiana Cases Maine Orders Nevada Leyva CaseHerediabonnnet CaseHolt CasePasillas Case New York Orders

How States Can Save Millions of Homes Through Foreclosure Mediation The evidence is in: Foreclosure mediation programs are a proven, inexpensive tool to help keep paying borrowers in their homes while saving communities and investors billions of dollars. Published February 6, 2012©National Consumer Law Center Download the Full Report (PDF) Dowload the Executive [...]

Testimony & Comments Comments on the CFPB's Proposed Rule to Protect Homeowners Impacted by the Covid-19 Emergency, May 10, 2021 More testimony & comments Reports & Press Releases Issue brief: USDA Should Modernize Mortgage Protections: Four Long-Overdue Policy Changes to Limit Rural Foreclosures, April 2019 Model State Law on Mortgage Servicing: An Outline, Jan. 2011 [...]

Analysis and Recommendations No Hope for Homeowners: The Administration’s Home Affordable Unemployment Program Hurts the Unemployed, July 2010 Home Affordable Modification Program: Borrower Notices Fall Short, November 2009 Archive+ Policy Briefs, Reports and Press Releases Report: At A Crossroads: Lessons from the Home Affordable Modification Program (HAMP), Jan. 2013 Statement re: IRS Tax Treatment for [...]

Administrative Guidance Handbook Supplemental Directives Common FAQs Conversion FAQs HAMP Borrower FAQs HAMP General Administration HAMP Summary for Judges (July 2011) Progress Reports from Treasury 2010 Servicer Performance Reports and Press Releases Reports COP Reports SIGTARP GAO Reports HAMP Policy Analysis Testimony,  Reports,  Recommendations, and Press Releases Decisions Recent Trial Court Decisions on HAMP Enforceability [...]

State Mediation Programs Summaries: -  Supervised Programs -  Unupervised Programs State Programs Model Documents Model Foreclosure Mediation/Diversion Statute (Judicial Foreclosure State) Model Foreclosure Mediation/Diversion Statute (Non Judicial Foreclosure State) Model Statute: Requirement for Loan Modification Analysis/Loss Mitigation Before Foreclosure Memorandum on Federal and State Constitutional Issues Related to Foreclosure Mediation/Diversion Model Form for Summary Data [...]