State Legislation Addressing Foreclosures Heather Morton Program Principal Legislative Information...
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Transcript of State Legislation Addressing Foreclosures Heather Morton Program Principal Legislative Information...
![Page 1: State Legislation Addressing Foreclosures Heather Morton Program Principal Legislative Information Services National Conference of State Legislatures.](https://reader035.fdocuments.net/reader035/viewer/2022062221/56649c7e5503460f949346c7/html5/thumbnails/1.jpg)
State Legislation State Legislation Addressing ForeclosuresAddressing Foreclosures
Heather MortonProgram PrincipalLegislative Information ServicesNational Conference of State Legislatures
![Page 2: State Legislation Addressing Foreclosures Heather Morton Program Principal Legislative Information Services National Conference of State Legislatures.](https://reader035.fdocuments.net/reader035/viewer/2022062221/56649c7e5503460f949346c7/html5/thumbnails/2.jpg)
NCSLNCSL
“Our nation’s state legislatures serve as the forum where the ideas of America are crafted, debated and enacted.”
—William Pound, Executive Director, NCSL
![Page 3: State Legislation Addressing Foreclosures Heather Morton Program Principal Legislative Information Services National Conference of State Legislatures.](https://reader035.fdocuments.net/reader035/viewer/2022062221/56649c7e5503460f949346c7/html5/thumbnails/3.jpg)
State ActivitiesState Activities
No "one-size-fits-all" solution
Legislators, regulators, lenders and community groups working together
Legislation has changed as the foreclosure crisis has evolved
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First Wave of First Wave of LegislationLegislation Payment Assistance ProgramsPayment Assistance Programs
Foreclosure HotlinesForeclosure Hotlines
Foreclosure ConsultantForeclosure Consultant
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Foreclosure Consultant Foreclosure Consultant MapMap
![Page 6: State Legislation Addressing Foreclosures Heather Morton Program Principal Legislative Information Services National Conference of State Legislatures.](https://reader035.fdocuments.net/reader035/viewer/2022062221/56649c7e5503460f949346c7/html5/thumbnails/6.jpg)
Second Wave of Second Wave of LegislationLegislation Foreclosure mediation or
settlement conferences
Protections for tenants renting homes facing foreclosure
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Mediation MapMediation Map
![Page 8: State Legislation Addressing Foreclosures Heather Morton Program Principal Legislative Information Services National Conference of State Legislatures.](https://reader035.fdocuments.net/reader035/viewer/2022062221/56649c7e5503460f949346c7/html5/thumbnails/8.jpg)
Tenant Issues MapTenant Issues Map
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Third Wave - 2011 Third Wave - 2011 LegislationLegislation Process ensuring the validity of Process ensuring the validity of
foreclosure proceedingsforeclosure proceedings
Property maintenanceProperty maintenance
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Property Maintenance Property Maintenance MapMap
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Robo-Signing Robo-Signing Response MapResponse Map
![Page 12: State Legislation Addressing Foreclosures Heather Morton Program Principal Legislative Information Services National Conference of State Legislatures.](https://reader035.fdocuments.net/reader035/viewer/2022062221/56649c7e5503460f949346c7/html5/thumbnails/12.jpg)
Future WaveFuture Wave
Provisions allowing homeowners Provisions allowing homeowners to become tenantsto become tenants
Regulation of deficiency Regulation of deficiency judgmentsjudgments
Process for abandoned homes to Process for abandoned homes to be soldbe sold
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Contact InformationContact Information
Heather MortonNational Conference of State
LegislaturesPhone: (303) 856-1475
Email: [email protected] site: http://www.ncsl.org