1. provides examples of situations where compensation or other remediation is justified because of errors or problems during a homeowner’s foreclosure process.
    1. The independent consultants for the servicers that are not participating in the Agreement will use the Financial Remediation Framework to recommend remediation for financial injury identified during the Independent Foreclosure Review. The servicers will prepare remediation plans based on the independent consultants’ recommendations. The federal banking regulators must approve each servicer’s remediation plan.
      1. THE AGREEMENT FIND OUT MORE https://independentforeclosurereview.com/Faqs.aspx#FAQ_AGREEMENT
  2. INDEPENDENT FORECLOSURE REVIEW https://independentforeclosurereview.com/
    1. FORECLOSURE BETWEEN 01.01.2009 & 12.31.2010
    2. As part of consent orders with federal banking regulators, the Office of the Comptroller of the Currency (OCC), the Office of Thrift Supervision (OTS), and the Board of Governors of the Federal Reserve System (FRB), the Independent Foreclosure Review was established to determine whether eligible homeowners suffered financial injury because of errors or other problems during their home foreclosure process between January 1, 2009 and December 31, 2010.
      1. ERRORS
    3. JANUARY 2013
      1. In January 2013, agreements between 13 mortgage servicers and federal banking regulators were reached that ended the Independent Foreclosure Review for those participating servicers. In July 2013, GMAC Mortgage also reached an agreement with the Federal Reserve Board that ended the Independent Foreclosure Review.
        1. ALL THESE LINKS GO TO THE SAME PAGE https://independentforeclosurereview.com/Settled.aspx HAS NO RELEVANT INFORMATION
          1. F.A.Q'S
          2. https://independentforeclosurereview.com/Faqs_settled.aspx https://docs.google.com/document/d/1Ow9VZrzC4wYIQCnB5IanrSGXdurNtFjxuF9Ai1pyE5Q/edit#heading=h.d23004uu69h3
          3. TAXES
          4. TAX INFORMATION https://independentforeclosurereview.com/TaxInfoRes.aspx https://docs.google.com/document/d/1lcKJ3loL98ENq9B6zvMRPVs0arEPZWgIV_Q1rDEvKtI/edit
      2. The Agreement will result in all of the eligible borrowers for those servicers receiving a payment under the Agreement. The Agreement includes the following servicers and their affiliated mortgage companies. Click on the servicer name for more information:
  3. Payment Agreements reached in January 2013 with 13 other mortgage servicers. For more information on the Payment Agreement, click here. DEAD LINK http://pubdev.frb.gov/consumerinfo/independent-foreclosure-review-payment-agreement.htm As of July 26, the Independent Foreclosure Review has ended at all mortgage servicers supervised by the Federal Reserve Board that were subject to foreclosure-related enforcement actions.
  4. As a result of this agreement, the Independent Foreclosure Review, which involved case-by-case reviews, has ceased at the participating servicers and been replaced with a broader framework allowing all of the borrowers of the participating servicers covered by the agreement to receive compensation significantly more quickly.
  5. The agreement has been memorialized by amendments to the consent orders for each of the 13 participating servicers as of February 28, 2013, and for GMAC Mortgage as of July 26, 2013. The amendments to the consent orders are publicly available on the websites of the Office of the Comptroller of the Currency (OCC), and the Board of Governors of the Federal Reserve System. EverBank’s agreement with the OCC will also be memorialized in an amendment to their order. http://www.federalreserve.gov/consumerinfo/independent-foreclosure-review-payment-agreement.htm http://www.occ.gov/news-issuances/news-releases/2013/nr-ia-2013-35.html
    1. MY AMENDMENT; WELLS FARGO http://www.occ.gov/static/enforcement-actions/ea2013-132.pdf
      1. 2013.02.28 AMENDED W.F. AGREEMENT.pdf
      2. 2011.03.31 OCC; WELLS FARGO ORDER.pdf
      1. THIS IS MAP #1: FINANCIAL REMEDIATION FRAMEWORK EXHIBIT #VISUAL AID #100 Olmsted County district court file #55-F9-05-1712 Winona County district court file #85-CV-10-1935
      2. MAP #2: $3,000.00
      3. MAP #3: THE NOTE
    1. FRB_ Press Release--Amendments to consent orders memorialize $9.pdf
    2. http://www.federalreserve.gov/newsevents/press/enforcement/20130228a.htm
    1. 2013
      1. http://www.federalreserve.gov/newsevents/press/bcreg/2013bcreg.htm
    2. 2012
      1. http://www.federalreserve.gov/newsevents/press/bcreg/2012bcreg.htm
    3. 2011
      1. http://www.federalreserve.gov/newsevents/press/bcreg/2011bcreg.htm
    4. 2010
      1. http://www.federalreserve.gov/newsevents/press/bcreg/2010bcreg.htm
    5. 2009
      1. http://www.federalreserve.gov/newsevents/press/bcreg/2010bcreg.htm
    6. YOU WILL NEED TO FIND YOUR CONSENT ORDER; THEN YOUR AMENDED ORDER WHO WAS YOUR SERVICER? http://www.occ.gov/news-issuances/news-releases/2011/nr-occ-2011-47.html
  8. Financial Remediation Framework for the Continuing Reviews For servicers whose Independent Foreclosure Review continues, the consultants will use the framework to recommend remediation for financial injury identified during the Independent Foreclosure Review. The servicers will prepare remediation plans based on the consultants' recommendations. The federal banking regulators must approve each servicer's remediation plan. The framework helps ensure that similarly situated borrowers receive similar treatment. http://occ.gov/topics/consumer-protection/foreclosure-prevention/correcting-foreclosure-practices.html https://docs.google.com/document/d/1wtfXGKl35IDia9X4g9tnxF43EPc5ApZfaAvqf1k7X98/edit#heading=h.bz7s3jmjfpsu
    1. Borrowers Quick Reference Guide to the Financial Remediation Framework http://occ.gov/topics/consumer-protection/foreclosure-prevention/framework-summary.html
    2. The Financial Remediation Framework http://occ.gov/topics/consumer-protection/foreclosure-prevention/financial-remediation-framework.pdf
    3. Detailed Questions and Answers http://occ.gov/topics/consumer-protection/foreclosure-prevention/financial-remediation-faqs.html
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  10. Office of the Comptroller of the Currency (OCC)
  11. Office of Thrift Supervision (OTS)
  12. Board of Governors of the Federal Reserve System (FRB)