CT HB06355

Establishes a mandatory foreclosure mediation program for residential properties and religious organization properties, requiring mortgagees to notify mortgagors of mediation availability before proceeding with foreclosure judgments.

Mediation period concludes after the third mediation session or seven months from the return date, whichever is earlier, with courts able to grant limited extensions upon finding high probability of settlement or evidence of bad faith conduct by a party.

Mortgagees must provide mortgagors with account histories, reinstatement statements, loss mitigation options, copies of notes and mortgages, and designate a contact person with authority to respond to foreclosure alternative requests within specified timeframes (35 days for complete financial documentation packages).

Mediators file detailed reports after each session assessing party compliance with mediation objectives, tracking financial documentation submissions, foreclosure alternatives requested, and mortgagee responsiveness, with courts authorized to impose sanctions for intentional or patterned misconduct contrary to mediation goals.

Allows expedited foreclosure for vacant and abandoned properties upon clear and convincing evidence that the property meets at least three specified conditions (boarded windows, structural damage, municipal condemnation, security measures taken, or written abandonment statements).