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The Florida Senate

HB 1177: Mortgage Loan Servicing

GENERAL BILL by Danish

Mortgage Loan Servicing; Creates "Florida Homeowners Bill of Rights Act"; provides procedures, requirements, & limitations with respect to mortgage servicer's processing of borrower's application for modification of mortgage loan as foreclosure prevention alternative; requires mortgage servicer to provide single point of contract for mortgage borrower seeking mortgage modification; requires single point of contact to engage in specified activities & perform certain services with respect to borrowers; provides requirements & procedures with respect to borrower's request for short sale of mortgaged property; provides requirements, procedures, & limitations with respect to mortgage servicer's obtaining of force-placed insurance coverage on borrower's mortgaged property; defines "robo-signed" or "robo-signing"; provides for imposition of civil penalties against any mortgage servicer who engages in robo-signing; provides for private causes of action for material violations of act by mortgage servicers; provides for statutory & actual damages & attorney fees & costs in such actions.

Effective Date: 7/1/2013
Last Action: 5/3/2013 House - Died in Insurance and Banking Subcommittee
Bill Text: PDF



Bill History

Date Chamber Action
3/1/2013 House • Filed
3/5/2013 House • Introduced -HJ 115
3/6/2013 House • Referred to Insurance and Banking Subcommittee; Civil Justice Subcommittee; Justice Appropriations Subcommittee; Regulatory Affairs Committee -HJ 200
5/3/2013 House • Died in Insurance and Banking Subcommittee