Homeownership & Foreclosure

Mortgage Servicing & Foreclosures

A strong housing system in the United States requires that low-income homeowners and homeowners of color be able to retain their homes even during economic hardship. NCLC works to promote innovative foreclosure prevention solutions and strengthen consumer protections in mortgage servicing, and works to prevent foreclosures and promote sustainability throughout the mortgage system, including FHA, Fannie Mae and Freddie Mac, VA, and USDA.

Congress Passes 21st Century ROAD to Housing Act

June 24, 2026

Legislative Package Includes NCLC Priorities to Address Housing Affordability and Supply, and Improve Access to Financing in Underserved Communities

Read More about: Congress Passes 21st Century ROAD to Housing Act
June 15, 2026
October 3, 2022

Recent

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Congress Passes 21st Century ROAD to Housing Act

June 24, 2026

Op-ed: Crypto’s Next Gamble is On Your Mortgage

June 23, 2026

What States & Local Governments Can Do to Support Immigrants’ Financial Stability

June 22, 2026

VA Must Pause Foreclosures Until New Mortgage Assistance Program Is Accessible

June 15, 2026

Letter to House Leadership on 21st Century ROAD to Housing Vote

May 18, 2026

NYU Law Environmental Law Journal Article: Fractured and Forgotten: Challenging Exclusionary Titling and Co-Ownership Requirements That Displace “Heirs Property” Disaster Survivors

March 30, 2026

House Veterans’ Affairs Subcommittee Discusses Lowering Housing Costs for Veteran Families

March 26, 2026

Testimony Before the House Committee on Veterans’ Affairs on Lowering Costs for Veteran Families Through the VA Home Loan Program

March 26, 2026

Trump Seeks to Strip Mortgage Rules Created to Prevent Another Financial Crisis 

March 16, 2026

Comments & Letters

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Letter to House Leadership on 21st Century ROAD to Housing Vote

May 18, 2026

Letter to Senate Opposing DHS Funding Without Significant ICE Changes and Supporting FEMA Independence and Funding

February 11, 2026

Letter Urging Creditors & Credit Bureaus to Help Minnesota Consumers Impacted by ICE Surge

February 9, 2026

Comments on OCC Interest-on-Escrow Law Preemption

January 29, 2026

Coalition letter to HUD and OMB Opposing Weakening of Disparate Impact Rule

September 2, 2025

NCLC and NHLP Comment on USDA Direct Loan RFI

July 16, 2025

Coalition Letter to FHFA, HUD and the U.S. Treasury Department on the Housing Crisis

May 15, 2025

Letter for the Record: Subcommittee on Housing and Insurance, U.S. House Financial Services Committee, Hearing: “Building Our Future: Increasing Housing Supply in America.”

March 1, 2025

Comments to Massachusetts Division of Banks on Proposed Amendments to Debt Collection and Mortgage Servicing Rules

November 12, 2024

Reports

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Keeping it in the Family: Legal Strategies to Address the Challenge of Heirs Property and Prevent Home Loss

January 29, 2024

Property Tax Foreclosures on Heirs Property: The Devastating Consequences and Recommendations for Prevention

August 22, 2023

Report: How GSE Note Sales Undermine Homeownership

January 30, 2023

Appendix C: Long Summaries of Loss Mitigation Rules for Government-Backed Loans

February 19, 2020

Obtaining Mortgage Relief for Victims of Disasters: A Practice Guide for Advocates

February 15, 2020

Stopping Foreclosures with the RESPA Servicing Rules

June 24, 2016

Opportunity Denied: How HUD’s Note Sale Program Deprives Homeowners of the Basic Benefits of Their Government-Insured Loans

May 2, 2016

At a Crossroads: Lessons from the Home Affordable Modification Program (HAMP)

January 22, 2013

Issue Briefs

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What States & Local Governments Can Do to Support Immigrants’ Financial Stability

June 22, 2026

Handcuffing Heirs: How Seizing Inheritances to Collect Pay-to-Stay Prison Fees Hinders Recovery and Financial Stability

July 29, 2025

Checklist for Identifying a Zombie Second Mortgage

January 7, 2025

2025 Consumer Protection Federal Priorities

October 21, 2024

Reforming Property Tax Foreclosure Laws to Promote Sustainable Homeownership

May 22, 2024

Homeowners at Risk: Nationwide Survey Reveals Critical Gaps the CFPB Must Address to Prevent Foreclosures

February 21, 2024

What States Can Do to Reduce Property Tax Foreclosures

October 10, 2023

Heirs Should Not Be Subject to Florida’s Homestead Tax Exemption Penalty

August 22, 2023

Home Equity Lines of Credit Gaps in Coverage & Exemptions from Regulations

February 22, 2023

Testimony

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Testimony Before the House Committee on Veterans’ Affairs on Lowering Costs for Veteran Families Through the VA Home Loan Program

March 26, 2026

Written Testimony in Support of Massachusetts Zombie Second Mortgage Bill

October 21, 2025

Testimony in Support of Maine Bill Regulating Home Equity “Investment” Loans

May 14, 2025

Testimony of Steve Sharpe Before U.S. House Committee on Veterans’ Affairs Regarding the State of the U.S. Department of Veterans Affairs (VA) Home Loan Guaranty Program

February 15, 2024

The LIBOR Transition: Protecting Consumers and Investors

November 2, 2021

Alys Cohen’s testimony at U.S. House Hearing on Mortgage Servicers’ Implementation of the CARES Act

July 16, 2020

Testimony Before House Financial Services Regarding Oversight of Mortgage Servicers’ Implementation of the CARES Act

July 16, 2020

Press Releases & News

View All for Press Releases & News
Congress Passes 21st Century ROAD to Housing Act

June 24, 2026

Op-ed: Crypto’s Next Gamble is On Your Mortgage

June 23, 2026

VA Must Pause Foreclosures Until New Mortgage Assistance Program Is Accessible

June 15, 2026

NYU Law Environmental Law Journal Article: Fractured and Forgotten: Challenging Exclusionary Titling and Co-Ownership Requirements That Displace “Heirs Property” Disaster Survivors

March 30, 2026

House Veterans’ Affairs Subcommittee Discusses Lowering Housing Costs for Veteran Families

March 26, 2026

Trump Seeks to Strip Mortgage Rules Created to Prevent Another Financial Crisis 

March 16, 2026

National Mortgage News: Mortgage deregulation: praise and peril from Trump’s EO

March 16, 2026

Civil Rights and Immigration Advocates to Court: Sham Settlement Betrays Victims of Housing Scam 

March 3, 2026

PBS News Hour: How ‘zombie mortgages’ are coming back to haunt homeowners years later

February 5, 2026

From the NCLC Digital Library

Mortgage Servicing and Loan Modifications

The most complete treatise on the new loan modification programs and rights to deal with mortgage servicers.

Read Chapter One

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