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Category: Director's notebook | Category: Info for consumers |
Published

Mientras las protecciones expiran, la nueva normativa para la administración hipotecaria busca reducir las ejecuciones que sean evitables

En efecto desde el 31 de agosto del 2021, la nueva normativa les exige a los administradores hipotecarios ofrecerles a los propietarios, oportunidades reales para evitar el “foreclosure” y mantenerse en sus viviendas, mientras algunos programas federales de aplazamiento comienzan a expirar.

Category: Info for consumers |
Published

As foreclosure protections end, it’s time to work with your mortgage servicer

We have temporarily updated our rule for most mortgage servicers to require them ─ when they reach out to borrowers who are behind on their loans or in forbearance ─ to tell borrowers about their options to avoid foreclosure. Learn why you should contact your mortgage servicer if you’re struggling to make your payments.

Category: At the CFPB |
Published

Mortgage Servicer Communication: Strategies during the COVID-19 pandemic

The COVID-19 pandemic is presenting one of the biggest challenges to the mortgage servicing industry since the Great Recession. There are an estimated 3 million delinquent loans, including more than 2 million loans in long-term forbearance. The Bureau is closely monitoring how servicers are handling the increased volume and emphasizes the importance of good communication especially at a time when so many homeowners are distressed. The Bureau also encourages servicers to use all available tools to reach struggling homeowners.

Category: Info for consumers |
Published

How to help homeowners protect their homes

Homeowners who are struggling to make mortgage payments because of a COVID-19 related hardship, or who got a mortgage forbearance that is coming to an end, should talk to their mortgage servicer or a HUD-approved housing counselor about options and next steps.

Category: Info for consumers | Category: Policy and compliance |
Published

We’ve updated our mortgage servicing rules to provide greater protections for mortgage borrowers and other homeowners

Today we finalized new changes to our mortgage servicing rules. These updates ensure that mortgage servicers treat homeowners and struggling borrowers fairly.  They also provide servicers with greater clarity about how to comply with the rules.

Category: Policy and compliance |
Published

Fall 2015 rulemaking agenda

An important part of the CFPB’s mandate from Congress is to make rules governing consumer finance markets more effective and to create new rules when warranted. Today, we’re posting a semiannual update of our rulemaking agenda as part of the federal government’s Unified Agenda of Regulatory and Deregulatory Actions.

Category: At the CFPB |
Published

Spring 2015 rulemaking agenda

An important part of our mandate is to make rules more effective and create new rules when necessary. Today, we’re posting a semi-annual update of our rulemaking agenda as part of the federal government’s Unified Agenda of Regulatory and Deregulatory Actions.

Category: Policy and compliance |
Published

Proposed changes to our Mortgage Servicing Rules: New protections for surviving family members and other homeowners

Since the Mortgage Servicing Rules went into effect, we’ve spent a lot of time talking to consumer advocacy groups, housing counselors, mortgage servicers, and trade associations, to better understand how the rules are working and whether we should make any changes to them. As a result, we’re now proposing some changes to the Mortgage Servicing Rules. The changes are intended to smooth the path for companies to better protect consumers and comply with the CFPB’s rules.