MN HF83

Limits landlords from entering into leases longer than two months on foreclosed properties once they receive notice of foreclosure, contract cancellation, or judicial action, with liability of $500 for violations.

Requires mortgage foreclosers to provide borrowers a single point of contact (an employee with loan knowledge, document access, and deadline information) and imposes a $500 civil penalty for non-compliance.

Prohibits "dual tracking" by mortgage servicers—servicers must stop foreclosure for 90 days upon receiving a complete loan modification request and cannot resume until the request is rejected or an agreement is signed.

Mandates mediation before foreclosure proceedings begin for one- to four-unit owner-occupied properties, conducted by the Office of Administrative Hearings with a $160 fee paid by the foreclosing party.

Requires mortgage servicers to send borrowers notice about federal Servicemembers Civil Relief Act protections at least 15 days before serving foreclosure notices; adds information about postponing sheriff's sales and establishes civil remedies including injunctive relief for violations.