On-Demand   On-Demand Web Programs

Troubleshooting Mortgage Servicing Problems: Regulatory Responses and Advocacy Approaches (Free)

Released on: Dec. 30, 2013
Running Time: 03:12:26

Note: Credit for this program has expired in various states. If seeking credit for this course, please verify the credit status in your jurisdiction before commencing.

Some of the biggest loan servicers in California are in the process of selling off large segments of their servicing portfolios.  Servicing transfers can wreak havoc with borrowers’ accounts, particularly if they are in the midst of seeking a loan modification or other assistance.  Other borrowers encounter problems obtaining assistance due to “non-borrower” status after the death of a family member or because of limited English proficiency or disability. This training will provide you with an in-depth look at some of the key loan servicing problems faced by borrowers, including servicing transfers, the difficulties heirs encounter after the death of a borrower and unfair servicing.  Using case studies, practitioners and consumer advocates will provide an overview of the relevant rules and regulations governing these issues and discuss how to identify and address these all-too-prevalent loan servicing abuses in your practice.

Lecture Topics 
[Total time 03:12:26]

Segments with an asterisk (*) are available only with the purchase of the entire program.

  • Program Overview and Introductions* [00:02:06]
    Maeve Elise Brown
  • Servicing Transfers and Inheritance of Encumbered Residential Property [01:09:40]
    Lisa Sitkin, Noah Zinner
  • Fair Servicing Part One [01:00:05]
    Annette Kirkham, Kevin Stein, Maeve Elise Brown, Lisa Sitkin, Noah Zinner
  • Fair Servicing Part Two [01:00:35]
    Annette Kirkham, Maeve Elise Brown, Lisa Sitkin

Presentation Material

  • Loan Servicing Transfers During Loss Mitigation PowerPoint Slides
    Lisa Sitkin, Noah Zinner
  • Loss Mitigation Rights for Non-borrower Homeowners PowerPoint Slides
    Lisa Sitkin, Noah Zinner
  • Making Home Affordable Handbook, Section 1.4 Transfers of Servicing
    Lisa Sitkin
  • Making Home Affordable Handbook, Exhibit D, Form of Assignment and Assumption Agreement
    Lisa Sitkin
  • Making Home Affordable Handbook, Commitment to Purchase Financial Instrument and Servicer Participation Agreement
    Lisa Sitkin
  • Exhibit A to Consent Judgment, United States of America v. Bank of America, United States District Court for the District of Columbia (2012)
    Lisa Sitkin
  • Consumer Financial Protection Bureau Bulletin 2013-01, Mortgage Servicing Transfers, February 11, 2013
    Lisa Sitkin
  • Freddie Mac Bulletin 2013-3, Single-Family Seller/Servicer Guide Bulletin, February 15, 2013
    Lisa Sitkin
  • Consumer Financial Protection Bureau Bulletin 2013-12, Implementation Guidance for Certain Mortgage Servicing Rules, October 15, 2013
    Lisa Sitkin
  • Order, Barbara McGarvey v. JP Morgan Chase Bank, N.A., United States District Court for the Eastern District Court of California (2013)
    Lisa Sitkin
  • Plaintiff’s Memorandum of Points and Authorities in Opposition to JP Morgan Chase Bank, N.A.’s Motion to Dismiss, Barbara McGarvey v. JP Morgan Chase Bank, N.A., United States District Court for the Eastern District Court of California (2013)
    Lisa Sitkin
  • LaSalle Bank Midwest, N.A. a.k.a. Bank of America, N.A. v. Joel Abernathy and Carmen D. Abernathy, State of Michigan Court of Appeals (2012)
    Lisa Sitkin
  • Fair Servicing Part One PowerPoint Slides
    Kevin Stein
  • Letter to Ms. Jennifer J. Johnson, Board of Governors of the Federal Reserve System, Re: Docket No. OP-1388: California Community Groups Comment on HMDA Regulations, September 15, 2010
    Kevin Stein
  • Letter to Mr. Joseph A. Smith and Members of the Monitoring Committee, Office of Mortgage Settlement Oversight, March 27, 2013
    Kevin Stein
  • Wells Fargo Shareholder Resolution
    Kevin Stein
  • Proposal 7: Mortgage Servicing and Foreclosure Related Fair Housing and Fair Lending Reporting
    Kevin Stein
  • Proposal 8: Mortgage Servicing
    Kevin Stein
  • Chasm Between Words and Deeds IX: Bank Violations Hurt Hardest Hit Communities, April 2013
    Kevin Stein
  • Fair Lending and Mortgage Servicing PowerPoint Slides
    Annette Kirkham,Maeve Elise Brown
  • Demand for Jury Trial, David A. Watts and Barbara I. Watts v. JP Morgan Chase Bank, N.A. et al., United States District Court, Northern District of California, San Jose Division (2011)
    Maeve Elise Brown
  • Order Granting Plaintiffs’ Motion for Partial Summary Judgment, David A. Watts and Barbara I. Watts v. JP Morgan Chase Bank, N.A. et al., United States District Court, Northern District of California, San Jose Division (2012)
    Annette Kirkham
  • Emotional Distress Worksheet
    Annette Kirkham
  • Fair Housing Damage Worksheet, Lost Housing Opportunity
    Annette Kirkham
Maeve Elise Brown ~ Executive Director, Housing and Economic Rights Advocates
Annette Kirkham ~ Senior Attorney, Fair Housing Law Project, Law Foundation of Silicon Valley
Lisa Sitkin ~ Managing Attorney, Housing and Economic Rights Advocates
Kevin Stein ~ Associate Director, California Reinvestment Coalition
Noah Zinner ~ Senior Attorney, Housing and Economic Rights Advocates

PLI makes every effort to accredit its On-Demand Web Programs and Segments.  Please check the Credit Information box to the right of each product description for credit information specific to your state.

Have credit questions? Visit PLI's Credit FAQ page.

On-Demand Web Programs and Segments
 are approved in:

Alabama1, Alaska, California, Colorado, Delaware, Florida, Georgia, Hawaii, Idaho*, Illinois , Iowa2*, Kansas, Kentucky*, Louisiana, Maine*, Mississippi, Missouri3, Montana, Nebraska, Nevada, New Hampshire4, New Jersey, New Mexico5, New York6,  North Carolina7, North Dakota, Ohio8, Oklahoma9, Oregon*, Pennsylvania10, Rhode Island11, South Carolina, Tennessee12, Texas, Utah, Vermont, Virginia13, Washington, West Virginia, Wisconsin14 and Wyoming*.

Iowa, Mississippi, Oklahoma, and Wisconsin DO NOT approve Audio Only On-Demand Web Programs.

Please Note: The State Bar of Arizona does not approve or accredit CLE activities for the Mandatory Continuing Legal Education requirement. PLI programs may qualify for credit based on the requirements outlined in the MCLE Regulations and Ariz. R. Sup. Ct. Rule 45.

*PLI will apply for credit upon request. Louisiana and New Hampshire: PLI will apply for credit upon request for audio-only on-demand web programs.

1Alabama: Approval of all web based programs is limited to a maximum of 6.0 credits.


2Iowa:  The approval is for one year from recorded date. Does not approve of Audio-only On-Demand Webcasts.

3Missouri:  On-demand web programs are restricted to six hours of self-study credit per year.  Self-study may not be used to satisfy the ethics requirements.  Self-study can not be used for carryover credit.


4New Hamphsire:  The approval is for three years from recorded date.

5New Mexico:  On-Demand web programs are restricted to 4.0 self-study credits per year. 

6New York:  Newly admitted attorneys may not take non-traditional course formats such as on-demand Web Programs or live Webcasts for CLE credit. Newly admitted attorneys not practicing law in the United States, however, may earn 12 transitional credits in non-traditional formats. 

7North Carolina:  A maximum of 4 credits per reporting period may be earned by participating in on-demand web programs. 

8Ohio:  To confirm that the web program has been approved, please refer to the list of Ohio’s Approved Self Study Activities at http://www.sconet.state.oh.us.  Online programs are considered self-study.  Ohio attorneys have a 6 credit self-study limit per compliance period.  The Ohio CLE Board states that attorneys must have a 100% success rate in clicking on timestamps to receive ANY CLE credit for an online program.

9Oklahoma:  Up to 6 credits may be earned each year through computer-based or technology-based legal education programs.

10Pennsylvania:  PA attorneys may only receive a maximum of four (4) hours of distance learning credit per compliance period. All distance learning programs must be a minimum of 1 full hour.

11Rhode Island:  Audio Only On-Demand Web Programs are not approved for credit.  On-Demand Web Programs must have an audio and video component.

12Tennessee:  The approval is for the calendar year in which the live program was presented.

13Virginia: All distance learning courses are to be done in an educational setting, free from distractions.

14Wisconsin: Ethics credit is not allowed.  The ethics portion of the program will be approved for general credit.  There is a 10 credit limit for on-demand web programs during every 2-year reporting period.  Does not approve of Audio-only On-Demand Webcasts.

Running time and CLE credit hours are not necessarily the same. Please be aware that many states do not permit credit for luncheon and keynote speakers.

If you have already received credit for attending some or the entire program, please be aware that state administrators do not permit you to accrue additional credit for repeat viewing even if an additional credit certificate is subsequently issued.

Note that some states limit the number of credit hours attorneys may claim for online CLE activities, and state rules vary with regard to whether online CLE activities qualify for participatory or self-study credits. For more information, call Customer Service (800) 260-4PLI (4754) or e-mail info@pli.edu.

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