MA S1071

Defines unlawful practices for subordinate mortgage servicing, including failure to provide written communications for 12+ cumulative months, failure to provide required periodic statements, and failure to provide transfer of loan servicing or ownership notices

Requires creditors to serve borrowers with a sworn notice listing unlawful practices and verifying the creditor has reviewed the loan history for violations when issuing a notice of right to cure

Allows courts to stay foreclosure proceedings upon borrower petition and order remedies including waiving interest/fees, releasing liens, ceasing collection activity, and deleting negative credit reporting

Establishes that violations constitute per se violations of Massachusetts Chapter 93A consumer protection law, creating a rebuttable presumption of damages and grounds for license revocation

Mandates all required notices be provided in English and Spanish with translation instructions for the top 7 languages spoken in Massachusetts