National Mortgage Settlement Summary

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The five largest mortgage servicers recently agreed to a $25 billion settlement over some questionable mortgage loan servicing and foreclosure practices, including the so-called “robo-signing” activities that came to light in late 2010. Robo-signing refers to the practice of signing mortgage documents without verifying their accuracy as well as other procedural errors. The five mortgage servicers—Ally Financial, Bank of America, Citigroup, JPMorgan Chase and Wells Fargo—collectively service nearly 60 percent of the U.S. mortgage market. While mortgage loan servicers collect and process mortgage payments and handle defaults and foreclosures, the servicers often do not own the underlying loans.

The national mortgage settlement—which involved more than a year of negotiations with the states’ attorneys general, the U.S. Department of Justice and other federal agencies—includes direct payments to the federal government, the participating 49 states and individual borrowers. Oklahoma was the only state not to join the settlement, choosing to settle separately with the five servicers for $18.6 million.

The federal government will receive $912 million for five whistleblower lawsuits and losses incurred by the FHA Capital Reserve Account, the Veterans Housing Benefit Program Fund and the Rural Housing Service. The 49 participating states will split $2.5 billion based on criteria such as the number of foreclosures and other factors, with California, Florida, Texas, New York and Illinois receiving the largest amounts respectively. The settlement agreement allows each state to designate up to 10 percent of the amount paid to each state as a civil penalty, fine or similar payment.

The National Association of Attorneys General will receive $15 million to create and administer the “Financial Services and Consumer Protection Enforcement, Education and Training Fund.” The Conference of State Bank Supervisors will receive $65 million—$15 million will establish the “State Financial Regulation Fund” and $1 million will go to each state financial regulator who signed the consent judgment. The state members of the executive committee who negotiated the settlement and the Ameriquest Financial Services Fund will split $10 million to cover costs and attorneys’ fees. Qualifying individuals whose homes were sold or taken in foreclosure between Jan. 1, 2008, and Dec. 31, 2011, who submit claims, will receive cash payments from the $1.5 billion set aside for that purpose.

Nearly $3 billion is committed to refinance “underwater” mortgages, for borrowers who are current on their payments, but whose mortgage is more than their home’s current market value. The remaining settlement money, approximately $17 billion, is dedicated to consumers for mortgage modifications, short sales, deficiency waivers, anti-blight prevention activities and principal forbearance for unemployed borrowers, along with specific short sale provisions for military borrowers. Each servicer will receive credit for completing these consumer relief activities; however since only some count dollar-for-dollar, the banks will end up providing consumer relief in excess of the nearly $17 billion specified in the consent judgment.

Approved by U.S. District Judge Rosemary Collyer on April 4, the settlement is now effective. The five servicers have seven days—until April 11—to deposit their portions of the settlement into an escrow account. The consent judgment remains in effect for three and a half years, but the servicers are required to earn 75 percent of the consumer relief credits within the first two years or pay substantial cash penalties. Direct payments to mortgage borrowers will begin once a settlement administrator is retained, within 90 days of the settlement’s effective date.

In addition to the payments, the servicers have agreed to follow new standards for handling mortgage loans and foreclosures. During the term of the settlement agreement, the servicers will oversee and manage third-party providers, such as foreclosure firms, law firms and independent contractors. The servicers must establish an easily accessible and reliable single point of contact for each first lien mortgage borrower and develop an online site where borrowers can check the status of their loan modifications.

“Dual tracking” practices are restricted under the agreement. Servicers are also prohibited from adopting employee compensation arrangements that encourage foreclosure over loss mitigation alternatives. The settlement also requires more transparency in the mortgage servicing process, such as making the general requirements for short sales more available. In addition, the settlement enhances protections for military personnel.

Joseph A. Smith, Jr., former North Carolina banking commissioner, will supervise the implementation of the settlement, along with the monitoring committee comprised of representatives from the state attorneys general, state financial regulators, the U.S. Department of Justice and the U.S. Department of Housing and Urban Development. He is responsible for determining whether the five financial institutions are in compliance with the servicing standards and have satisfied the relief requirements in accordance with the consent judgment.

Although the settlement resolves some violations, the federal government and state attorneys general did not release all the potential claims against these five servicers. The federal government and states can still pursue criminal prosecutions for criminal offenses and violations of the fair lending laws based on discriminatory conduct. Securitization claims based on the offer, sale or purchase of mortgage securities are not released by the settlement. The states also did not release any potential claims against Mortgage Electronic Registration Systems, Inc., MERSCORP, Inc. or any tax claims relating to real estate transfer taxes. Mortgage borrowers can still file claims on an individual or class action basis.

To review the settlement documents for each servicer, go to The chart below summarizes how states allocated their share of the settlement funds.

State Payment Settlement Amounts

AL | AK | AZ | AR | CA | CO | CT | DE | FL | GA | HI | ID | IL | IN | IA | KS | KY | MD | MA | MI | MS | MT | NE | NV | NH | NJ | NY | NC | ND | OH | PA | RI | SC | SD | TN | TX | UT | VT | VA | WA | WI

NOTE:  If you have questions regarding an individual mortgage, please contact an attorney in your state or the Office of Mortgage Oversight. NCSL is unable to provide assistance or advice in individual cases.

State Dollar Allocation Use of Funds in the State
Alabama $25,305,692 $1,119,730 to the Alabama Foreclosure Assistance Project administered by Legal Services Alabama to provide free civil legal representation to up to 6,000 low-income families facing foreclosure or other mortgage-related issues;
$1,095,356 to Gateway to provide financial counseling, pre- and post-purchase housing counseling, foreclosure prevention, reverse mortgage counseling, and consumer outreach;
$500,000 to the Woodlawn Foundation, Inc., for its homowner rehabilitation program to provide rehabilitation services to existing homeowners who are potentially facing foreclosure;
$500,000 to the Alabama Statewide Foreclosure Prevention Mediation Program administered by the Alabama Center for Dispute Resolution to train mediators in foreclosure mediation and provide 300-500 foreclosure mediations;
$440,000 to the Stepping In to Homeownership Project administered by the Women's Fund of Greater Birmingham to provide housing and workforce development services;
$210,870 to the Foreclosure Relief Project administered by the University of Alabama School of Law to provide free legal services through six to 10 law students each semester;
$2,530,569 to state General Fund as civil penalties, and
The remaining funds are directed to the Office of the Attorney General.
Alaska $3,286,839 The funds are directed to the state General Fund to be earmarked for housing development projects.
Arizona $97,784,204 $50 million to state general fund to used for areas covered by the National Mortgage Settlement, including agencies such as the state Real Estate Department, Department of Insurance and attorney general – Department of Law, and for other areas impacted by the alleged unlawful conduct of the defendants in the National Mortgage Settlement;
$41 million for direct assistance to help keep people in their homes and consumer restitution;
$5 million for enforcement and monitoring ($1.6 million per year for three years);
$5 million for housing counseling ($1.6 million per year for three years);
$4 million for legal services ($1.3 million for three years), and
$2 million for outreach, marketing and education ($666,000 per year for three years).
Arkansas $12,830,241 $9 million for the Arkansas Development Finance Authority;
$2 million for the Arkansas Access to Justice Commission;
$500,000 for the University of Arkansas School of Law legal aid clinic;
$500,000 for the University of Arkansas at Little Rock School of Law legal aid clinic, and
The remaining funds are directed to the state treasury for costs and fees associated with the settlement agreement. 
California $410,576,996 $1 million to the National Housing Law Project;
$225,000 to the Asian Pacific Islander Legal Outreach;
$1,750,000 to the Bet Tzedek Legal Services;
$550,000 to the California Rural Legal Assistance;
$700,000 to the Central California Legal Services;
$450,000 to the Community Housing Development Corporation;
$500,000 to the Community Housing Works San Diego;
$75,000 to El Concilio;
$200,000 to Fair Housing of Marin;
$225,000 to Habitat for Humanity Stanislaus County;
$250,000 to Housing and Economic Rights Advocates;
$35,000 to the Inland Empire Latino Lawyers Association;
$850,000 to the Inland Fair Housing and Mediation Board;
$450,000 to the Legal Aid Foundation of Santa Barbara;
$725,000 to Legal Services of Northern California;
$550,000 to the Mission Economic Development Agency;
$100,000 to the National Telemarketing Victim Call Center;
$500,000 to Neighborhood Housing Services of Los Angeles County;
$345,000 to NeighborWorks Orange County;
$50,000 to the Tri-Valley Housing Opportunity Center
$575,000 to the Unity Council;
$295,000 to the Watsonville Law Center and
10% of the total payment as civil penalties and deposited in the Unfair Competition Law Fund.
Colorado $50,170,188 $24 million for supplemental loan-modification programs;
$18.196 million for affordable housing programs;
$5.625 million for housing counseling through the state;
$1.5 million for Colorado Legal Services;
$750,000 for temporary staffing at the attorney general’s office;
$600,000 for the Colorado Foreclosure Hotline, and
$500,000 for marketing and outreach efforts. 
Connecticut $26,102,142 $21 million to fund the Emergency Mortgage Assistance Program administered by the Connecticut Housing Finance Authority;
$400,000 for the Foreclosure Mediation Program and Voluntary Attorney Foreclosure Advice pilot program;
$500,000 for the Mortgage Crisis Job Training Program in the state Department of Labor;
$2.6 million to the state General Fund as civil penalties, and
The remaining funds will be used to fund attorneys and housing counselors in the Department of Banking, the Connecticut Fair Housing Center, the Office of the Attorney General and the Department of Economic and Community Development and to fund public service announcements promoting the Foreclosure Prevention Hotline and other related initiatives.
Delaware $7,913,923 $4 million to the Delaware Emergency Mortgage Assistance Program;
$3.5 million to fund housing counselors and outreach and education programs for homeowners;
$2.75 million to the Office of the Attorney General for continuing financial fraud investigation and enforcement initiatives;
$888,923 to the Community Legal Aid Society, Delaware Volunteer Legal Services and the Legal Services Corporation to support legal representation for borrowers facing foreclosure, and
$500,000 to Delaware's Mortgage Mediation Program.
District of Columbia $4,433,081  
Florida $334,073,974 $35 million for down payment assistance;
$10 million for housing counseling;
$5 million for the state court system to help with foreclosure-related issues;
$5 million to the Office of the Attorney General to fund legal aid programs;
$9,117,895 to the Florida Prepaid Tuition Scholarship Program;
$5,262,579 to the state courts system to provide technology solutions that expedite foreclosure cases through the judicial process;
$16 million to the state courts system to provide supplemental resources to reduce the backlog of pending foreclosure cases;
$9.7 million to the clerks of the court to enhance service levels to assist and support the courts in expediting processing backlogged foreclosure cases;
$10 million to the Office of the Attorney General to provide legal aid to low- and moderate-income homeowners facing foreclosure;
$10 million to the Department of Children and Families for capital improvements to certified domestic violence centers;
$20 million to Habitat for Humanity of Florida;
$50 million to reduce rents on new or existing rental units through the State Apartment Incentive Program;
$10 million to fund the construction or rehabilitation of units through the State Apartment Incentive Loan Program;
$40 million to fund the State Housing Initiative Program;
$10 million to the Department of Economic Opportunity to fund a competitive grant program to provide housing for homeless persons;
$10 million to the Department of Economic Opportunity to fund a competitive grant program to provide housing for persons with developmental disabilities;
$5 million to the Office of the Attorney General to reimburse the office for costs and fees;
The remaining funds are directed to the state General Fund as civil penalties.
Georgia $99,365,105 The entire amount will be used for economic development, the money will be split equally between regional economic business assistance grants and other rural economic development efforts. 
Hawaii $7,911,883 $3 million to Legal Aid and its grant partners Consumer Credit Counseling Services of Hawaii, Hale Mahaolu, The Hawaii HomeOwnership Center and Hawaiian Community Assets
$2 million to the department of Commerce and Consumer Affairs
$1,176,293 to the state judicial system
$149,225 to the Kuikahi and West Hawaii Mediation Centers
$57,122 to the Mediation Center of the Pacific
Idaho $13,305,209 $500,000 to the Consumer Protection Fund;
$120,000 for the Idaho State Bar Volunteers Legal Program;
$120,000 for the Idaho Legal Aid Services;
$110,000 for distribution to other governmental entities or organizations as determined by the attorney general;
$100,000 for the Community Action Partnership, and
The remaining funds are directed to the state treasury. 
Illinois $105,806,405 $20 million to legal aid organizations;
$5 million to pilot mortgage foreclosure mediation programs;
$2 million to the Affordable Housing Corporation of Lake County;
$1.5 million to Chicago Neighborhood Initiatives;
$3 million to the Community Foundation of the Fox River Valley;
$2.2 million the Community Investment Corporation;
$1,237,000 to the Community Service Council of Northern Will County;
$6 million to the Cook County Land Bank Authority;
$2 million to the Decatur Housing Authority;
$1.5 million to the Evanston Community Revitalization Partnership;
$750,000 to Genesis Housing Development Corporation;
$2 million to Habitat for Humanity Champaign County;
$1 million to Habitat for Humanity Chicago South Suburbs;
$1,360,000 to Habitat for Humanity of McHenry County;
$3 million to the Hispanic Housing Development Corporation;
$150,000 to Access Living of Metropolitan Chicago;
$100,000 to Chicago Area Fair Housing Alliance;
$448,448 to Chicago Metropolitan Agency for Planning;
$50,000 to Corporation for Supportive Housing;
$500,000 to DePaul University Institute for Housing Studies;
$750,000 to Housing Action Illinois/NeighborWorks America;
$500,000 to Housing Action Illinois/Neighborhood Housing Services of Chicago;
$250,000 to Illinois Association of Community Action Agencies;
$2.5 million to Illinois Housing Development Authority;
$94,875 to Mission Strategy Consulting;
$41,000 to the National Consumer Law Center;
$150,000 to Teska Associates, and
$500,000 to the Woodstock Institute.
Indiana $43,803,419 $28.8 million for the Low Income Home Energy Assistance Program (LIHEAP);
The remaining funds are directed to the Consumer Protection Division and its Homeowner Protection Unit (HPU) and other efforts to prevent foreclosure. 
Iowa $14,651,922 $1 million to the Iowa Infrastructure Fund;
Mortgage Servicing Settlement Fund created under the control of the state Department of Justice;
Banking Division Mortgage Servicing Settlement Fund created under the control of the Division of Banking of the Department of Commerce;
Any unencumbered or unobligated moneys remaining in the Mortgage Servicing Settlement Fund or Banking Division Mortgage Servicing Settlement Fund on June 30, 2015, shall be transferred to the general fund of the state. 
Kansas $13,778,401 25% of the settlement to the Office of the Attorney General to 1) support the attorney general's investigation and prosecution of suppliers in the housing and financial sectors who violate the law; 2) to resolve consumer compliants regarding efforts to prevent foreclosures and remedy mortgage servicing abuses; and 3) defraying the investigative, administrative and consumer education costs associated with the settlement.
The remaining funds are directed to the state General Fund as civil penalties.
Kentucky $19,198,220 $1.5 million to the City of Louisville for the city’s Vacant Abandoned Property Initiative, the Targeted Demolition Program that addresses the problem of blight by removing deteriorated structures that have been abandoned and the Affordable Housing Trust Fund, which provides grants to organizations dedicated to creating or preserving affordable housing for low and moderate-income families;
$7.5 million to the Kentucky Housing Corporation (KHC);
$250,000 to each of the four regional Legal Aid centers in Kentucky to be used to assist homeowners who are going through the foreclosure process or seeking to avoid foreclosure;
$4 million to update the Kentucky All Schedule Prescription Electronic Reporting Program;
$5 million to the Office of the Attorney General to assist consumers and investigate mortgage and securities issues. This includes potential litigation regarding MERS involvement in wrongful foreclosures, and
$150,000 to the Cabinet for Health and Family Services for lead abatement through the Division of Public Health. 
Louisiana $21,741,560  
Maine $6,907,023  
Maryland $59,697,470 $8,600,000 for housing counselors;
$6,227,863 for legal assistance organizations;
$10,000,000 for Baltimore City local government housing program;
$10,000,000 for Prince George’s County local government housing program;
$2,761,860 for new temporary enforcement positions in the Office of the Attorney General
$2,138,000 for financial fraud prevention positions at Department of Labor, Licensing and Regulation;
$14,000,000 for a neighborhood stabilization fund, and
$5,969,747 to the state General Fund as civil penalties.
Massachusetts $44,450,668 $16 million to be used to mitigate future impacts of the foreclosure crisis through the HomeCorps Loan Modification Initiative, HomeCorps Borrower Representation Initiative and the HomeCorps Borrower Recovery Initiative;
$10 million for Crisis Response Innovation grants and Municipal and Community Restoration grants;
$4.4 million to the state General Fund as civil penalties;
$1 million to the state General Fund for legal expenses;
$1.5 million for compliance and implementation of the consent judgment;
$1 million to the Supplement Local Consumer Aid Fund, and
The remaining funds are reserved for further implementation, HomeCorps programming and grants. 
Michigan $97,209,465 $7.5 million for foreclosure rescue scam victim restitution;
$5 million for assistance for veterans who have been unable to qualify for existing mortgage and foreclosure assistance programs;
$6 million for the Michigan Attorney General Home Protection Unit to investigate and prosecute foreclosure-related crimes;
$25 million for blight elimination throughout the state;
$20 million for foreclosure counseling for homeowners through the Michigan State Housing and Development Authority (MSHDA) and Michigan State University Extension Offices;
$3.7 million for housing and community development programs to develop and coordinate public and private resources to meet the affordable housing needs of low income households and revitalizing downtown areas and neighborhoods in Michigan;
$5 million to the MSHDA to provide grants to help homeowners refinance existing mortgage loans;
$15 million to provide assistance to homebuyers when purchasing a home, and
$10 million to the Education Achievement Authority to help improve performance of Michigan's lowest performing schools.
Minnesota $41,536,169  
Mississippi $13,580,374 $5.8 million for the Mississippi Foreclosure Prevention Consortium and
$7.7 million to the state's General Fund.
Missouri $39,583,212  
Montana $4,858,276 $3 million to create Keep My Montana Home;
$863,000 to the Montana Legal Services Association to provide free advice and representation to some homeowners experiencing legal problems in the foreclosure process;
$450,000 to the state General Fund as civil penalties, and
The remaining funds to the Office of the Attorney General for ongoing enforcement activities to prevent and prosecute financial fraud or deceptive practices, monitoring of the settlement, public outreach and training.
Nebraska $8,422,528 The entire amount will be deposited into the state's rainy day fund. The funds are eligible to be transferred from the rainy day fund for future expenditure. 
Nevada $57,368,430 $11.7 million to be used to create a dedicated call center staffed by housing counselors. The attorney general will seek legislative review and funding approval to continue the program when the legislature convenes in 2013.
New Hampshire $9,575,447 $3.5 million to New Hampshire Legal Assistance, Legal Advice Referral Center, and the New Hampshire Bar Association;
$2.5 million to the New Hampshire Housing Finance Authority and
$1,006,616 to the Department of Justice for the creation of a Financial Fraud Unit.
New Jersey $72,110,727 The funds from the Mortgage Servicing Settlement Fund are to be transferred to the General Fund as state revenue to be appropriated, subject to the approval of the director of the Division of Budget and Accounting, for the following purposes: attorneys fees, investigation and other expenses related to the investigation and resolution of the mortgage servicing settlement, affordable housing, local planning services, developmental disabilities residential services, state rental assistance program, jomelessness prevention, shelter assistance, community-based senior programs, mental health residential programs, social services for the homeless, and Temporary Assistance for Needy Families, but only to the extent that the use of these funds comports with the settlement for the use of these funds.
New Mexico $11,174,579  
New York $107,642,490 $9 million to support the state’s Foreclosure Prevention Services Program;
$6 million to support housing and community renewal activities statewide through not-for-profit community-based housing organizations;
$60 million to the Attorney General's Homeowner Protection Program to support housing counselors and legal services providers working with homeowners statewide and
The remaining funds allocation to be determined.
North Carolina $60,852,159 $4,780,000 to the Department of Justice, Consumer Protection Division, for financial fraud detection and prevention efforts;
$6,690,000 to the Administrative Office of the Courts to be administered by the North Carolina Conference of District Attorneys. Funds shall be used for grants and training for prosecutorial offices to expand prosecution of lending and financial crimes;
$30,520,000 to the Housing Finance Agency for housing counselors and other assistance to help distressed homeowners;
$5,740,000 to the Civil Penalty and Forfeiture Fund and
$2,870,000 to the Department of Justice, State Bureau of Investigation, to expand its accounting and financial investigative ability and its expertise to investigate financial and lending crimes.
North Dakota $1,947,666 The entire amount will be spent to support housing projects in the state.
Ohio $92,783,033 $75 million to the creation of a grant program for abandoned/vacant property demolition;
$20 million to a grant program to provide assistance to families and individuals who are at risk of foreclosure or have already lost their home, and
$2 million to to expand the Economic Crimes Division of the Ohio Attorney General’s Office.
Oregon $29,253,190  
Pennsylvania $66,527,978 90% is allocated to the Pennsylvania Housing Finance Agency for the purpose of funding the Homeowner's Emergency Mortgage Assistance Program;
5% is allocated to the Office of the Attorney General for the purpose of funding housing consumer protection programs, and
5% is allocated to the Access to Justice Account for civil legal assistance related to housing issues.
Rhode Island $8,500,755 The entire amount will be used to fund the Rhode Island Foreclosure Protection Program to prevent or reduce the number of initiated foreclosures in Rhode Island and assist homeowners struggling with mortgage payments. The program will be developed by the Office of the Attorney General in consultation with Rhode Island Housing.
South Carolina $31,344,349 $10 million to the Department of Commerce Closing Fund for economic development and
The remaining funds are directed to the state General Fund.
South Dakota $2,886,824 $1 million to the South Dakota Home Builders Association for the purpose of revolving low interest loan fund to fund spec homes for low income applicants;
$500,000 to GROW South Dakota to create loan products that will assist veterans and other low to moderate income South Dakota residents with home purchase and modification financing;
$372,364 to the South Dakota Housing Development Authority to fund homebuyer education programs;
$270,778 to the Ellsworth Development Authority to develop residential lots and rental units for low income residents in the housing Development Freedom Estates, outside of Ellsworth Air Force Base;
$200,000 to Homes Are Possible Inc., for housing down payment and closing cost assistance;
$144,341 to East River Legal Services to fund legal costs for low income applicants;
$144,341 to Dakota Plains Legal Services to fund legal costs for low income applicants;
$120,000 to Luther Social Services of South Dakota for credit counseling services;
$50,000 to Beadle and Spink Enterprise Community to assist with collateral expenses for four governor homes in Beadle and Spink Counties;
$40,000 to the Teton Coalition for the purpose of homebuyer education;
$30,000 to Consumer Credit Counseling of the Black Hills for housing and foreclosure counseling, and
$15,000 to James Valley Housing Inc., for the purpose of housing, education, counseling and closing cost loan assistance.
Tennessee $41,207,810 $4,120,781 to the state general fund as civil penalties;
$34.5 million to the Tennessee Housing Development Agency for its Keep My Tennessee Home financial assistance program and for foreclosure counseling;
$250,000 to the Department of Commerce and Insurance, Division of Consumer Affairs, for the Consumer Education Fund;
$700,000 to four legal aid entities (Memphis Area Legal Services, West Tennessee Legal Services, Legal Aid of East Tennessee and Legal Aid Society of Middle Tennessee and the Cumberlands);
$1,862,029 to the attorney general’s litigation settlement reserve;
$1 million to the Department of Financial Institutions for examiner training, information technology support and equipment, Tennessee Financial Literacy Commission and consumer education efforts. 
Texas $134,628,489 $10 million to the Judicial Fund as civil penalties and
The remaining funds to be directed to the state General Fund.
Utah $21,951,641 $1.75 million for homeless shelters and services,
$2 million for mortgage fraud investigations in the office of the attorney general and
The remaining funds are directed to the state treasury. 
Vermont $2,552,240 $1,100,000 to fund affordable housing initiatives, including grants for foreclosure and homeownership counseling, financing mobile homes, increasing the state’s affordable housing tax credit, capacity building among state and nonprofit agencies to assist mobile home owners, and exemption from several taxes to replace homes destroyed by recent flooding and natural disasters, and
The remaining funds are directed to the state General Fund.
Virginia $66,525,233 $7 million for the Virginia Housing Trust Fund and
The remaining funds are directed to the state General Fund.
Washington $54,242,749 $2 million to Aberdeen Neighborhood Housing Services, Inc.;
$393,563 to Catholic Charities Housing Services;
$600,000 to El Centro de la Raza;
$2,145,800 to HomeSight to provide downpayment assistance to encourage purchase of foreclosed homes;
$1 million to Homestead Community Land Trust to purchase and rehabilitate vacant and distressed homes;
$13,053,044 to Legal Foundation of Washington;
$2 million to Lifelong AIDS Alliance to address housing needs for individuals with chronic conditions or special needs;
$2,137,700 to Resolution Washington to continue foreclosure mediation program;
$3,074,354 to Spokane Neighborhood Action Partners;
$3,860,000 to the City of Tacoma/Tacoma Community Redevelopment Authority to purchase and rehabilitate vacant and distressed homes;
$950,000 to Washington Homeownership Resource Center;
$3 million to Washington State Housing Finance Commission for its Home Advantage Rebound program;
$3,120,000 to Washington State Housing Finance Commission for its statewide housing counseling program;
$6,153,689 to Washington State Housing Finance Commission for its Washington Homeowner Stability Fund, and
$311,850 to White Center Community Development Association.
West Virginia $5,748,915  
Wisconsin $30,191,806 $625,000 to retain experienced Assistant District Attorneys;
$625,000 to retain experienced Assistant Attorneys General;
$500,000 to support a WHEDA program for demolitions;
$750,000 to a WHEDA program for equity investment in Milwaukee’s industrial corridor;
$750,000 to a WHEDA program for loan guarantees to Milwaukee small businesses;
$780,000 in tribal law enforcement grants and victim/witness program grants;
$496,050 in 2012-2013 support for foreclosure mediation in Milwaukee county and expansion of mediation statewide;
$400,000 for future support for foreclosure mediation;
$100,000 for law enforcement and prosecutor training on white collar crime;
$139,000 for positions within the DOJ’s Division of Legal Services’ Consumer Protection Unit to assist consumers and investigate and prosecute mortgage-related fraud and white collar crime;
$185,000 for the DOJ’s Division of Criminal Investigation (DCI) to focus on white collar crime and
$550,000 remains to be allocated.
Wyoming $2,614,515