/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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State Foreclosure Other Resources

Webinar Methods for Studying Residential Foreclosure Diversion Processes – a Philadelphia Case Study Presentation and Recording by Honorable Annette M. Rizzo, Ira Goldstein (TRF), Geoff Walsh (NCLC); March 22, 2011

State Foreclosure Other Resources2019-03-08T09:37:15-05:00

Summary of Programs

Summary of Mediation Programs (supervised) Summary of Mediation Programs (unsupervised)

Summary of Programs2019-03-08T09:38:17-05:00

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

Model Documents2019-03-08T09:38:35-05:00

State Laws Briefs, Reports & Press Releases

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 Laws Briefs, Reports & Press Releases2019-03-08T09:39:08-05:00

State Foreclosure Letters

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 Letters2019-03-08T09:40:31-05:00

State Foreclosure Testimony

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

State Foreclosure Testimony2019-03-08T09:40:50-05:00

State Foreclosure Briefs, Reports & Press Releases

Report: Fast Track Foreclosure Laws: Are They Headed in the Right Direction?, January 2014 Recent Developments in Foreclosure Mediation, January 2011 State and Local Foreclosure Mediation Programs: Updates and New Developments, January 2010 State and Local Foreclosure Mediation Programs: Can They Save Homes?, September 2009 FORECLOSING A DREAM - State Laws Deprive Homeowners of Basic [...]

State Foreclosure Briefs, Reports & Press Releases2019-03-08T09:39:39-05:00