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Loan modification in the United States
Loan modification is the systematic alteration of mortgage loan agreements. Loan modifications have been practiced in the United States since the 1930s. During the Great Depression, loan modification programs took place at the state level in an effort to reduce levels of loan foreclosures.
During the so-called "Great Recession" of the early 21st century, loan modification became a matter of national policy, with various actions taken to alter mortgage loan terms to prevent further economic destabilization.
==United States 1930s==
During the Great Depression in the United States a number of mortgage modification programs were enacted by the states to limit foreclosure sales and subsequent homelessness and its economic impact. Because of the shrinkage of the economy, many borrowers lost their jobs and income and were unable to maintain their mortgage payments. In 1933, the Minnesota Mortgage Moratorium Act was challenged by a bank which argued before the United States Supreme Court that it was a violation of the contract clause of the Constitution. In ''Home Building & Loan Association v. Blaisdell'', the court upheld the law imposing a mandatory mortgage modification.
抄文引用元・出典: フリー百科事典『 ウィキペディア（Wikipedia）』
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