MO HB1211

Establishes a mandatory mediation program for residential foreclosures in Missouri charter counties, requiring lenders to send homeowners a notice of their right to request mediation along with the foreclosure notice

Homeowners have 20 days to request mediation, which must be scheduled within 61 days of the foreclosure notice; requesting mediation triggers an automatic 42-day continuance of the foreclosure sale

Lenders must pay a $125 mediation fee when sending the notice and an additional $350 fee if mediation is requested; the mediation coordinator must make at least two attempts to contact homeowners about their rights

Lenders must obtain a certificate of compliance before recording a foreclosure deed, which requires sending proper notices, submitting required documentation (appraisals, settlement proposals), and having a representative with full settlement authority at mediation

Violations of the certificate of compliance filing requirement carry fines up to $1,000; no private right of action is created, and all mediation documents and discussions remain confidential