State Foreclosure Laws and Policy

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.

From the NCLC Digital Library

Home Foreclosures

NCLC’s definitive treatise on all aspects of home foreclosures: who has legal authority to foreclose, the role of MERS in foreclosures, Fannie Mae and Freddie Mac foreclosures, procedural and substantive foreclosure defenses, FHA, VA, and RHS foreclosures, and much more.

Read Chapter One

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