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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 and Comments Letter from Coalition Regarding Standards for Attorney General and Federal Agency Settlement with Mortgage Servicers, August 24, 2011 Comments on Credit Risk Retention by National Consumer Law Center and National Association of Consumer Advocates to the U.S. Department of Treasury, August 1, 2011 Bank Agency Settlement Statements Make No Meaningful Progress Towards [...]

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 [...]