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Customer 30+ days past due on mortgage

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Question: 
What is the specific requirements that a small bank has to meet for a customer that is 30+ days past due on a mortgage? For example, booklets, service members relief notice, etc.
Answer: 

Homeownership Counseling Act Notice
SCRA Notice

The notice must be given to a delinquent homeowner borrower no later than 45 days after the date on which the homeowner becomes delinquent. If, within the 45-day period, the borrower brings the loan current again, no notification is required.

Those are the only two I am aware of unless State law provides for others.

First published on 03/06/2016

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