Регуляторы и 13 крупнейших банков США заключили соглашение на 9.3 млрд $ по реструктуризации ипотечных кредитов

Федеральные банковские регуляторы и 13 крупнейших банков США ( Aurora, Bank of America, Citibank, Goldman Sachs, HSBC, JPMorgan Chase, MetLife Bank, Morgan Stanley, PNC, Sovereign, SunTrust, U.S. Bank, and Wells Fargo) заключили соглашение по рестуктуризации ипотечных кредитов на 9.3 млрд. $. Из 9.6 млрд. соглашение подразумевает выплаты 3.6 млрд. наличными.

Соглашение охватывает 4.2 миллиона американцев, чьи дома находились на любой степени изъятия в 2009-2010 годах и чьи ипотечные кредиты обслуживаются в одном из вышеперечисленных банков. Каждый заемщик может получить компенсацию от сотен до 125 000$. Oт заемщика не требуется никаких дополнительных действий для ее получения.

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Joint Release

Board of Governors of the Federal Reserve System
Office of the Comptroller of the Currency

NR 2013-35
FOR IMMEDIATE RELEASE
 February 28, 2013


Amendments to Consent Orders Memorialize $9.3 Billion Foreclosure Agreement


WASHINGTON — The Office of the Comptroller of the Currency (OCC) and the Federal Reserve Board today released amendments to their enforcement actions against 13 mortgage servicers for deficient practices in mortgage loan servicing and foreclosure processing.  The amendments require the servicers to provide $9.3 billion in payments and other assistance to borrowers.

The amendments memorialize agreements in principle announced in January with Aurora, Bank of America, Citibank, Goldman Sachs, HSBC, JPMorgan Chase, MetLife Bank, Morgan Stanley, PNC, Sovereign, SunTrust, U.S. Bank, and Wells Fargo.  The amount includes $3.6 billion in cash payments and $5.7 billion in other assistance to borrowers such as loan modifications and forgiveness of deficiency judgments. 

Borrowers covered by the amendments include 4.2 million people whose homes were in any stage of the foreclosure process in 2009 or 2010 and whose mortgages were serviced by one of the companies listed above.  These borrowers are expected to be contacted by the Paying Agent—Rust Consulting, Inc.—by the end of March 2013 with payment details.  The Paying Agent will send payments and correspondence. 

Borrowers covered by the amendments are expected to receive compensation ranging from hundreds of dollars up to $125,000.  Borrowers are not required to take any additional steps to receive the payments.  In addition, borrowers will not be required to execute a waiver of any legal claims they may have against their servicer as a condition for receiving payment. 

Borrowers can call the Paying Agent at 1-888-952-9105 to update their contact information or to verify that they are covered by the amendments.

In providing the $5.7 billion in assistance, the 13 servicers are expected to undertake well-structured loss mitigation efforts focused on foreclosure prevention, with preference given to activities designed to keep borrowers in their homes through affordable, sustainable, and meaningful home preservation actions. 

Borrowers seeking assistance should work directly with their servicer or a counselor approved by the U.S. Department of Housing and Urban Development (HUD).  Borrowers can reach HUD-approved counselors by calling 888-995-HOPE (4673). 

OCC and Federal Reserve examiners continue to monitor the servicers’ implementation of corrective actions required by the original enforcement actions to address unsafe and unsound mortgage servicing and foreclosure practices.

For the 13 servicers, these amendments to the enforcement actions replace the requirements related to the Independent Foreclosure Review.  For GMAC Mortgage, Everbank, and OneWest, which did not enter agreements in principle with federal regulators, the Independent Foreclosure Review process continues.  Regulators expect the reviews for these servicers to be completed over the course of the coming year.  These companies service 457,000 mortgages that were in some stage of foreclosure in 2009 or 2010.


Media Contacts

Federal Reserve Barbara Hagenbaugh 202-452-2955

OCC Bryan Hubbard 202-649-6870


http://www.occ.gov/news-issuances/news-releases/2013/nr-ia-2013-35.html