Foreclosures Publications and Resources

This page addresses residential mortgage foreclosure issues. The legislation tracked under this category includes emergency mortgage assistance funds, foreclosure consultants, and the foreclosure process. Legislation regarding subprime lending and the regulation of high-cost home loans is covered on the Mortgage Lending Practices page.

**PLEASE NOTE:  The National Conference of State Legislatures is an organization serving state legislators and their staff. We cannot offer legal advice or assistance with individual cases.


State Legislation

NCSL Information

NCSL Publications || NCSL Staff Contacts

Additional Resources

Reports || Resources

Last Updated: October 6, 2014

NCSL Publications

NCSL 2009 Legislative Summit session, State Foreclosure Solutions: Are They Working?

Foreclosures, LegisBrief, January 2008

Keeping the Homeownership Dream Alive, State Legislatures, September 2007


NCSL Staff Contacts

Heather Morton, Denver, (303) 364-7700

James Ward, Washington, D.C., (202) 624-8683



State Foreclosure Prevention Working Group

The Working Group comprises representatives of the attorneys general of 11 states (Arizona, California, Colorado, Iowa, Illinois, Massachusetts, Michigan, New York, North Carolina, Ohio and Texas, two state banking departments (New York and North Carolina), and the Conference of State Bank Supervisors.

Analysis of Subprime Mortgage Servicing Performance
February 2008

Analysis of Subprime Mortgage Servicing Performance Data Report No. 2
April 2008

Analysis of Subprime Mortgage Service Performance Data Report No. 3
September 2008

Analysis of Subprime Mortgage Service Performance Data Report No. 4
January 2010

Redefault Rates Improve for Recent Loan Modifications
August 2010

State Reports:

Maryland Homeownership Preservation Task Force Report
November 29, 2007

Ohio Foreclosure Prevention Task Force Final Report
September 10, 2007

Massachusetts Report of the Mortgage Summit Working Groups
April 11, 2007

Federal Reports:

Federal Housing Finance Agency
Quarterly reports that focus on the delinquencies, loss mitigation actions, and foreclosure data reported by more than 3,000 mortgage services approved by Fannie Mae and Freddie Mac:


OCC and OTS Mortgage Metrics Report
The Mortgage Metrics Report presents key performance data on first residential mortgages services by national banks, focusing on delinquencies, loss mitigation actions and foreclosures. The report is published through the Office of the Comptroller of the Currency and the Office of Thrift Supervision.


Understanding Mortgage Foreclosure: Recent Events, the Process, and Costs
CRS Report for Congress, November 5, 2007

Information on Recent Default and Foreclosure Trends for Home Mortgages and Associated Economic and Market Developments
United States Government Accountability Office, October 16, 2007

National Foreclosure Mitigation Counseling Program Evaluation
Urban Institute


Federal Reserve System
Dynamic Maps of Nonprime Mortgage Conditions in the United States
The maps, which are maintained by the Federal Reserve Bank of New York, display regional variation in the condition of securitized, owner-occupied subprime, and alt-A mortgage loans. The maps and data can be used to assist in the identification of existing and potential foreclosure hotspots.

Fannie Mae
WaysHome/Know Your Options
WaysHome, a free, interactive multi-media tool designed to educate homeowners about their options to avoid foreclosure, empower them to make informed decisions and motivate them to take action and seek help in 2011. As part of Fannie Mae's "Know Your Options" initiative to help struggling homeowners, the WaysHome video uses innovative technology to allow homeowners to put themselves in real-life situations, make informed choices and immediately see the outcomes of those actions.

Freddie Mac
Foreclosure Fraud YouTube Video
Freddie Mac's two-minute YouTube video uses professional actors to demonstrate how con artists can:

  • Get copies of foreclosure notices at City Hall or a county courthouse;
  • Persuade distressed borrowers to give up the deeds in exchange for suspicious promises to solve their financial problems;
  • Use the deeds to secure new loans for themselves; and,
  • Let the new loans go into foreclosure, which means the homeowners looking for help can still end up losing their house.

Homeownership Preservation Foundation
The Homeowner's HOPE Hotline, 888-995-HOPE, is provided free of charge by the Homeownership Preservation Foundation, a Minneapolis-based nonprofit dedicated to preserving homeownership and preventing foreclosure. HPF partners with local governments, nonprofits, borrowers, and mortgage lenders/servicers to deliver innovative homeownership preservation solutions.
A U.S. Department of Housing and Urban Development partnership with the Loan Modification Scam Prevention Network

Mortgage Bankers Association
Property Preservation Resource Center
MBA's Property Preservation Resource Center Web site is being provided as a resource and is not intended as legal notice or advice, but only as a convenience for local officials involved with property preservation. It will provide contact information to help locate a mortgage servicer's property preservation department and appropriate staff.

Mortgage Bankers Association
Foreclosure Prevention Resource Center
MBA's Home Loan Leaning Center Foreclosure Prevention Resource Center provides in-depth explanations and an extensive set of resources for anyone who may be having difficulty making their mortgage payment or those who are just a little worried. This information is provided specifically to help people learn what to do before they find their home in foreclosure.

NeighborWorks America
Center for Foreclosure Solutions
The NeighborWorks Center for Foreclosure Solutions, an initiative of NeighborWorks America, was created to preserve homeownership in the face of rising foreclosure rates.


**PLEASE NOTE:  The National Conference of State Legislatures is an organization serving state legislators and their staff. We cannot offer legal advice or assistance with individual cases.