I've heard of more banks being proactive on the batch processes and checking all customers, not just past dues. In theory you're checking accounts prior to repo/foreclosure anyway. And by prior I mean just prior. There was recently a fine from DOJ because the lender had a poor process and the debtor went active duty the day before the repo took place.
So if those are checked just prior to the collection action, checking all your customers is a proactive approach to rate reductions and being aware of any other protections they may be entitled to. (And don't forget this includes your safe deposit box customers before you drill.)
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AndyZ CRCM
My opinions are not necessarily my employers.
R+R-R=R+R
Rules and Regs minus Relationships equals Resentment and Rebellion. John Maxwell