/State Foreclosure Laws & Policy

NCLC advocates for modernization of antiquated state foreclosure laws that push homeowners into complicated legal proceedings that lack basic protections.

Improved state laws can benefit homeowners and communities.

 

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Model Documents

2019-03-08T09:38:35-05:00December 14, 2011|Categories: Summary of Programs, Model Documents & FAQs|

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 ForeclosureMemorandum on Federal and State Constitutional Issues Related to Foreclosure Mediation/DiversionModel Form for Summary Data of Loan Modifications from Mediations/Conference

State Laws Briefs, Reports & Press Releases

2019-03-08T09:39:08-05:00December 14, 2011|Categories: State Foreclosure Laws|

FORECLOSING A DREAM - State Laws Deprive Homeowners of Basic Protections, Sept. 2009 - Press Release and ReportLegal Aid and other groups call on AGs to ensure that resolution of their investigation of mortgage servicers help homeowners avoid foreclosure, October 18, 2010

State Foreclosure Letters

2019-03-08T09:40:31-05:00December 14, 2011|Categories: State Foreclosure Policy Analysis|

Letter to the Federal Housing Finance Agency from the National Consumer Law Center and Brennan Center for Justicere: "State-Level Guarantee Fee Pricing" (77 FR 58991), Nov. 26, 2012 Letter: Legal Aid and other groups call on AGs to ensure that resolution of their investigation of mortgage servicers help homeowners avoid foreclosure, October 18, 2010 Coalition [...]

State Foreclosure Testimony

2019-03-08T09:40:50-05:00December 14, 2011|Categories: State Foreclosure Policy Analysis|

Foreclosure Mediation Programs: Can Bankruptcy Courts Limit Homeowner and Investor Losses? Testimony of John Rao before the Senate Committee on the Judiciary, Feb. 2011 Testimony of Tara Twomey before the House of Representatives Committee on Financial Services on the Implementation of the HOPE for Homeowners Program and a Review of Foreclosure Mitigation Efforts, September 2008