1. State Legislation Addressing Foreclosures Heather Morton Program Principal Legislative Information Services National Conference of State Legislatures

2. NCSL “Our nation’s state legislatures serve as the forum where the ideas of America are crafted, debated and enacted.” —William Pound, Executive Director, NCSL

3. State Activities No "one-size-fits-all" solution Legislators, regulators, lenders and community groups working together Legislation has changed as the foreclosure crisis has evolved

4. First Wave of Legislation Payment Assistance Programs Payment Assistance Programs Foreclosure Hotlines Foreclosure Hotlines Foreclosure Consultant Foreclosure Consultant

5. Foreclosure Consultant Map

6. Second Wave of Legislation Foreclosure mediation or settlement conferences Protections for tenants renting homes facing foreclosure

7. Mediation Map

8. Tenant Issues Map

9. Third Wave - 2011 Legislation Process ensuring the validity of foreclosure proceedings Process ensuring the validity of foreclosure proceedings Property maintenance Property maintenance

10. Property Maintenance Map

11. Robo-Signing Response Map

12. Future Wave Provisions allowing homeowners to become tenants Provisions allowing homeowners to become tenants Regulation of deficiency judgments Regulation of deficiency judgments Process for abandoned homes to be sold Process for abandoned homes to be sold

13. Contact Information Heather Morton National Conference of State Legislatures Phone: (303) 856-1475 Email: heather.morton@ncsl.org Web site: http://www.ncsl.org