State Legislation State Legislation Addressing ForeclosuresAddressing Foreclosures

Heather MortonProgram PrincipalLegislative Information ServicesNational Conference of State Legislatures

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

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

First Wave of First Wave of LegislationLegislation Payment Assistance ProgramsPayment Assistance Programs

Foreclosure HotlinesForeclosure Hotlines

Foreclosure ConsultantForeclosure Consultant

Foreclosure Consultant Foreclosure Consultant MapMap

Second Wave of Second Wave of LegislationLegislation Foreclosure mediation or

settlement conferences

Protections for tenants renting homes facing foreclosure

Mediation MapMediation Map

Tenant Issues MapTenant Issues Map

Third Wave - 2011 Third Wave - 2011 LegislationLegislation Process ensuring the validity of Process ensuring the validity of

foreclosure proceedingsforeclosure proceedings

Property maintenanceProperty maintenance

Property Maintenance Property Maintenance MapMap

Robo-Signing Robo-Signing Response MapResponse Map

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

Contact InformationContact Information

Heather MortonNational Conference of State

LegislaturesPhone: (303) 856-1475

Email: heather.morton@ncsl.orgWeb site: http://www.ncsl.org