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COVID, Year Two: A Look at Mortgage Relief, Regulatory Scrutiny, and the Road Ahead

March 13, 2021, marked the one-year anniversary of President Trump's declaring COVID-19 a national emergency. Through the CARES Act, agency action and guidance, and various state laws and executive orders, governments across...more

CFPB Amends Regulation X to Account for COVID-19-Related Mortgage Relief

On June 23, 2020, one week before the July 1, 2020, deadline for mortgage servicers to begin offering mortgage relief for Fannie Mae and Freddie Mac loans exiting CARES Act forbearance, the Consumer Financial Protection...more

Nearing Three Months In – More Updates on Mortgage Relief Efforts, Regulatory Guidance, and Emerging Areas of Concern

For the second week in a row since the Coronavirus Aid, Relief, and Economic Security (CARES) Act was signed into law, the number of borrowers in COVID-19 related mortgage forbearance plans has decreased. As of June 9, 2020,...more

One Month In – Updates on Mortgage Relief Efforts and Guidance

It’s been a month since the Coronavirus Aid, Relief, and Economic Security (CARES) Act was signed into law. Although much of the focus and public scrutiny has been on small business relief, the number of mortgage borrowers...more

Agencies Promise Flexibility, but the Rules Still Apply: Key Takeaways from Joint Agency and CFPB Guidance Regarding Mortgage...

Even before the CARES Act was signed into law on March 27, 2020, mortgage servicers have been inundated with requests for COVID-19-related relief. Recognizing that these requests are straining servicers’ capacity to assist...more

Mortgage Servicers Must Provide Substantial Forbearance Relief to COVID-19 Affected Borrowers of Federally Backed Loans

With the federal government’s $2 trillion emergency relief bill passed by the Senate and expected to be speedily approved by the House and signed by the President, mortgage servicers already inundated with borrower requests...more

Federal and State Agencies to Mortgage Servicers: Slow Down, Be Flexible, and Be Compassionate With Borrowers Affected by COVID-19

As the COVID-19 pandemic unfolds, new emergency measures and policies to deal with the economic repercussions are being proposed, announced and implemented on a daily, if not hourly, basis. ...more

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