State Legislation Addressing Foreclosures Heather Morton Program Principal Legislative Information Services National Conference of State Legislatures.

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Presentation transcript:

State Legislation Addressing Foreclosures Heather Morton Program Principal Legislative Information Services National Conference of State Legislatures

NCSL “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 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 Legislation Payment Assistance Programs Payment Assistance Programs Foreclosure Hotlines Foreclosure Hotlines Foreclosure Consultant Foreclosure Consultant

Foreclosure Consultant Map

Second Wave of Legislation Foreclosure mediation or settlement conferences Protections for tenants renting homes facing foreclosure

Mediation Map

Tenant Issues Map

Third Wave Legislation Process ensuring the validity of foreclosure proceedings Process ensuring the validity of foreclosure proceedings Property maintenance Property maintenance

Property Maintenance Map

Robo-Signing Response Map

Future Wave Provisions allowing homeowners to become tenants Provisions allowing homeowners to become tenants Regulation of deficiency judgments Regulation of deficiency judgments Process for abandoned homes to be sold Process for abandoned homes to be sold

Contact Information Heather Morton National Conference of State Legislatures Phone: (303) Web site: