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15 U.S. Code § 9056
Foreclosure moratorium and consumer right to request forbearance due to COVID. Gave consumer right to ask for 180 day forbearance from March 13, 2020 and established a 60 day moratorium from that day.
50 U.S. Code Sec. 3953
Servicemember's Relief Act gives a servicemember the ability to ask for extra time in a judicial foreclosure.
In 2010, the federal government passed the Dodd-Frank Wall Street Reform and Consumer Protection Act, which gave the CFPB the authority to create new mortgage servicing rules. The CFPB’s final mortgage servicing rules were implemented under the Real Estate Settlement Procedures Act (RESPA), also known as Regulation X, and the Truth in Lending Act (TILA) known as Regulation Z. These rules, which went into effect on January 10, 2014, created established national mortgage servicing standards and imposed new requirements on lenders and servicers when it comes to foreclosures.
12 CFR § 1026.41
Mortgage Servicing Rule. (Regulation Z) Provides for notices if a borrower falls behind in payments including that a servicer must attempt to contact the borrower to discuss the situation no later than 36 days after the delinquency, and again within 36 days after each subsequent delinquency, even if the servicer previously contacted the borrower.
12 CFR §§ 1024.30 - 1024.41
Mortgage Service Rule (Regulation X)