MA H1983

Defines unlawful practices for subordinate mortgage servicing, including failing to communicate with borrowers for 12+ cumulative months, failing to provide required periodic statements, and demanding payment after the statute of limitations has expired

Requires creditors to serve borrowers with a sworn notice alongside the right-to-cure notice, verifying they reviewed the loan history and did not engage in unlawful practices

Allows borrowers to petition the court before foreclosure sale to stay proceedings; courts may bar enforcement of part or all of the debt if unlawful practices are found

Courts may order remedies including waiving interest and fees, releasing liens, ceasing collection activity, deleting credit report tradelines, and setting aside completed foreclosure sales

Violations constitute automatic Chapter 93A consumer protection violations with liability for actual damages, punitive damages, and attorney's fees; Attorney General may enforce and recommend license revocation