States have traditionally controlled how foreclosures take place, and states have wide leeway in creating foreclosure procedures. Historically disadvantaged groups bear the brunt of harm when foreclosures take place without effective oversight and when homeowners have few enforceable rights they can assert in opposing a foreclosure. NCLC works to improve state policies to save homes, communicate effectively with homeowners, and exercise flexibility in the face of public emergencies. NCLC also combats home equity theft schemes, such as “we buy houses” and foreclosure rescue scams.