Client Resource Center




 CFPB (Consumer Financial Protection Bureau)

Consumer Laws, Regulations & Bulletin links.



 National Mortgage Settlement

Documents related to the February 9, 2012 Settlement Agreement announced by the multi-state coalition led by Iowa Attorney General Tom Miller.



 Fannie Mae, Freddie Mac, HUD, and Department of Veterans Affairs

Links to agency information.




August 2016 Rules and Regulations Implementing the Telephone Consumer Protection Act of 1991 as amended by the Bipartisan Budget Act of 2015 to address the use of robocalls in collecting government guaranteed or insured loans.




Links pertaining to the Home Affordable Modification Program (HAMP), Home Affordable Foreclosure Alternatives (HAFA), and Home Affordable Refinance Program (HARP).



 Federal Bankruptcy Rules Documents

USFN's letter to the United States Courts Committee on Rules of Practice & Procedure of the Judicial Conference of the US.


 Bankruptcy Comments Submitted to US Courts

Public Comments including USFN Comments on proposed amendments to Bankruptcy Rule 3015 and new Bankruptcy Rule 3015.1



 Helping Families Save Their Homes Act Of 2009 (S. 896)

On May 20, 2009 the President signed S. 896, enacting the Helping Families Save Their Homes Act of 2009, described as an Act to prevent mortgage foreclosures and enhance mortgage credit availability.  HUD's Mortgagee Letter 2012-6 (dated March 16, 2012) addresses changes to FHA's occupied conveyance procedures, including modified policies re PTFA.



 Failed Banks

The Federal Deposit Insurance Corporation (FDIC) is often appointed as receiver for failed banks. Their Failed Bank List contains useful information for the customers and vendors of these banks. This includes information on the acquiring bank (if applicable), how your accounts and loans are affected, and how vendors can file claims against the receivership. This list includes banks that have failed since October 1, 2000.

The Borrower's Guide to an FDIC Insured Bank Failure provides additional useful information.



USFN, its Members, and other contributors have prepared the information contained in the above documents as a public service and for general information purposes only. The information may or may not reflect the most current legal developments and under no circumstances should readers rely solely on this material. Readers should seek independent and competent legal counsel before acting upon any information contained herein. This information is not provided in the course of an attorney-client relationship and is not intended to constitute legal advice or legal opinion, or to substitute for obtaining legal advice from an attorney licensed in your state. It is advisable that servicers and other readers contact local counsel familiar with the rules, practices, and interpretations of the particular jurisdiction.
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