ME LD1444

Requires mortgagees to provide strict compliance proof that they gave at least 35 days' written notice before filing a judicial foreclosure action on owner-occupied residential property

Mandates that courts enter judgment against the mortgagee if strict compliance with notice requirements is not proven in the foreclosure proceeding

Permanently bars the foreclosing party and any assignees from bringing future foreclosure actions on the same property if they fail to prove strict notice compliance

Applies retroactively to all foreclosure judgments, orders, or dismissals previously entered in favor of mortgagees

Responds to and effectively reverses the Maine Supreme Judicial Court's decision in Finch v. U.S. Bank, N.A. (2024 Me. 2), restoring prior legal standards for foreclosure notice requirements