Resources available to consumers facing foreclosure

FR Board of Governors

• Consumer Mortgage information
• 5 Tips for Avoiding Foreclosure Scams
• Foreclosure Resources for Consumers
• Filing a Bank-Related Complaint

Other Consumer Information

• Independent Foreclosure Review
  • FR Board Press Release
• 2-1-1 Texas: Connecting People and Services
• NeighborWorks Foreclosure Hotline
  888-995-HOPE
• NeighborWorks Loan Modification Scam Alert
• Know Your Options
• Find a HUD Counselor
• Making Home Affordable
• National Mortgage Settlement

Local and national resources, directory of service and best practices in the area of foreclosure assistance

State

• Texas Foreclosure Prevention Task Force
• Texas Dept. of Housing & Community Affairs
• Texas Attorney General
• Legal Assistance for Low-Income Texans
• Texas State Affordable Housing Corp

National

• Neighborhood Stabilization Program
• Making Home Affordable Program
• National Community Stabilization Trust
• NeighborWorks ® America
• Hope Now

• MHA Handbook
• NeighborWorks Training Calendar
• Servicing Alignment Initiative FAQs

• Texas Serious Mortgage Delinquencies by County - Dec. 2012
• Texas Housing and Mortgage Update - Dec 2011
• Foreclosure Needs Score by ZIP code
• Bexar County Foreclosure Map
• Dallas Morning News: North Texas Foreclosures

Papers, articles and data, including work by the Federal Reserve

• Addressing the Impact of the Foreclosure Crisis. Federal Reserve Mortgage Outreach and Research Efforts (MORE)
• The Texas Housing Market and Foreclosure Resources
• Neighborhood Stabilization Program
• Southwest Economy, Dec. 2009, "Texas Dodges Worst of Foreclosure Woes"
• Banking & Community Perspectives, Issue 2, 2007, "Preserving Homeownership: Addressing Foreclosure"
• Summary of Findings: Design and Testing of Truth in Lending Disclosures for Closed-end Mortgages
• Summary of Findings: Design and Testing of Truth in Lending Disclosures for Home Equity Lines of Credit
• Summary of Findings: Consumer Testing of Mortgage Broker Disclosures
• "The Accumulation of Foreclosed Properties" (FRB-Atlanta) Dan Immergluck. Community Affairs Discussion Paper #02-08, December 2008.

Information affecting financial institutions and regulatory updates

• Loan Modification
• Regulation Z (Truth in Lending)
• Federal Financial Regulatory Agencies and CSBS Issue Statement on Loss Mitigation Strategies for Servicers of Residential Mortgages
• Servicemembers Civil Relief Act of 2003-information on mortgages (and foreclosures) owned by a servicemember during the applicable period of military service
• Federal Reserve adopts policy statement supporting prudent commercial real estate (CRE) loan workouts
• Federal Reserve to implement consumer compliance supervision program of nonbank subsidiaries of bank holidng companies and foreign organizations
• Annual adjustment of fee-based trigger for additional mortgage loan disclosures
• Board publishes 5 Tips for Dealing with a Home Equity Line Freeze or Reduction
• Board approves final rules revising disclosure requirements for mortgage loans under Regulation Z