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As part of a consent order with federal bank regulators, the Office of the Comptroller of the Currency (OCC), the Office of Thrift Supervision (OTS) (independent bureaus of the U.S. Department of the Treasury), and the Board of Governors of the Federal Reserve System, fourteen mortgage servicers and their affiliates are identifying customers who were part of a foreclosure action on their primary residence between January 1, 2009 and December 31, 2010. The Federal Reserve announced on April 9 that Rust Consulting would begin mailing out checks on April 12, 2013.〔http://foreclosurehelpscc.wordpress.com/2013/04/09/cash-payments-for-independent-foreclosure-review-will-begin-being-mailed-april-12-senate-banking-comittee-will-hold-hearing-about-the-independent-foreclosure-reviews/〕 On April 25, 2013, Representative Elijah Cummings introduced legislation to create a monitor for the Independent Foreclosure Review: HR 1706, “The Mortgage Settlement Monitoring Act of 2013”〔http://foreclosurehelpscc.wordpress.com/2013/04/25/new-federal-bill-introduced-to-create-independent-monitor-to-oversee-independent-foreclosure-review/〕 The Independent Foreclosure Review provides homeowners the opportunity to request an independent review of their foreclosure process. If the review finds that financial injury occurred because of errors or other problems during their home foreclosure process, the homeowners may receive compensation or other remedy.〔(【引用サイトリンク】url=https://independentforeclosurereview.com/Faqs.aspx )〕 ==Background and timeline== On February 28, 2013, the OCC and the Federal Reserve announced a replacement program for 13 banks and servicers, while 3 of the original banks decided to keep the Independent Foreclosure Review Process. The replacement program includes US$3.6 billion in direct cash payments to homeowners and $5.7 billion in loss mitigation assistance intended to keep people in their homes.〔Independent Foreclosure Review: Update on $3.6 Billion in Cash Payments and $5.7 Billion in Modification Assistance http://foreclosurehelpscc.wordpress.com/2013/02/28/independent-foreclosure-review-update-on-3-6-billion-in-cash-payments-and-5-7-billion-in-modification-assistance/〕 The Independent Foreclosure Review was created in response to the Foreclosure Crisis of 2010 in an attempt to provide aid to homeowners who had either received their Notice of Default, or were in danger of foreclosure. On April 13, 2011, the Office of the Comptroller of the Currency, the Board of Governors of the Federal Reserve System, and the Office of Thrift Supervision announced enforcement actions against 14 large residential mortgage servicers and two third-party vendors for unsafe and unsound practices related to residential mortgage servicing and foreclosure processing; customers of 27 mortgage servicers (listed below) may be eligible for compensation. The third-party consultant assessed whether any errors, misrepresentations, or other deficiencies resulted in financial injury to borrowers. Where a borrower suffered financial injury as a result of such practices, the consent orders required remediation to be provided. During the review, customers could be contacted by mortgage servicers for additional information at the direction of the independent consultant. Requests for review had to be postmarked or submitted online by December 31, 2012.〔(【引用サイトリンク】 publisher=Office of the Comptroller of the Currency, US Department of the Treasury )〕 抄文引用元・出典: フリー百科事典『 ウィキペディア（Wikipedia）』 ■ウィキペディアで「Independent foreclosure review」の詳細全文を読む スポンサード リンク
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