Another anon here: I agree, there's not enough to go on there - this could be in reference to a state requirement (Florida) or Fannie Mae or who knows what all. On the chance that the borrower is a secondary market person looking for Fannie Mae requirements, see pg 50 of the below .pdf, nonsensically numbered page "703-11" at the footer:
"Exhibit 1: Borrower’s Authorization for Counseling
(01/31/03)
TO WHOM IT MAY CONCERN:
If I fail to make any monthly mortgage payment as agreed, I understand
that the servicer of my mortgage loan may refer me to a third-party
counseling organization or a mortgage insurer, which will advise me about
finding ways to meet my mortgage loan obligation. I hereby authorize the
servicer to release information to such third-party counseling organization
or mortgage insurer, and request that the counseling party contact me.
I further hereby authorize the third-party counseling organization or
mortgage insurer to make a recommendation about appropriate action to
take with regard to my mortgage loan, which may assist the servicer in
determining whether to restructure my mortgage loan or to offer other
extraordinary services that could preserve my long-term homeownership.
______________________________ _____________________
Borrower Signature Date
______________________________ _____________________
Borrower Signature Date
Requirements appear in the pages just before the notice. Excerpt:
As part of the home-buyer education process Fannie Mae requires for
community lending mortgage loans before they are closed, the borrower is
told about the benefits of early delinquency counseling and advised of the
importance of working with any counseling agency to resolve any future
financial problems that arise before they become major stumbling blocks.
The borrower is asked to sign a Borrower’s Authorization for Counseling
(see Exhibit 1: Borrower’s Authorization for Counseling) that
See
https://www.fanniemae.com/content/guide/svc042810.pdf