April 20, 2023 — Press Release

Housing Law Experts to Probe “Zombie” Second Mortgages and Foreclosures on April 26

WASHINGTON — The Consumer Financial Protection Bureau’s (CFPB) upcoming field hearing will feature remarks from CFPB Director Rohit Chopra and leading national and local housing law advocates, including Andrea Bopp Stark, senior attorney at the National Consumer Law Center, on “zombie” second mortgages– mortgage debts that consumers thought were satisfied long ago by loan modifications, bankruptcy proceedings, or lender write-offs. 

“By the time a homeowner learns they owe on a ‘zombie’ second mortgage, it’s often too late, with foreclosure proceedings already in the works,” said Andrea Bopp Stark, senior attorney at the National Consumer Law Center. “We appreciate the opportunity to sit down with the CFPB and local advocates to discuss solutions, including improving homeowners’ options to challenge or dispute these debts and policy changes to keep people in their homes.”

Advocates will examine the scope of the problem, why it is more prevalent in certain communities, and what consumers can do to dispute these debts. 


  • Rohit Chopra, director of the Consumer Financial Protection Bureau 
  • Andrea Bopp Stark, senior attorney at the National Consumer Law Center
  • Arthur Burkle, staff attorney at Brooklyn Legal Services
  • Angela Davidson, program director, Foreclosure Intervention, at NHS Brooklyn
  • Rose Prophete, homeowner 

What: The CFPB will host experts before inviting public comments during a field hearing to examine the regulatory gaps and loopholes that contribute to “zombie” second mortgage foreclosures and share the responses they receive when pushing back against these debts. 

Where: Brooklyn Law School, Jerome Prince Moot Court Room, 7th Floor, 250 Joralemon St., Brooklyn, NY 11201

When: Wednesday, April 26, 2023 at 1 pm ET; 

Public testimony begins at 2 pm ET

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