District of Columbia Mortgage Foreclosure Law

• D.C. Official Code, Title 42, Chapter 8 (Foreclosure):
  • Key Provisions:
    • Foreclosure Mediation Program (D.C. Code § 42-815):
      • Requires lenders to participate in a mediation program to explore loss mitigation options before foreclosure.
      • Lenders must provide borrowers with a Notice of Default and the opportunity to mediate.
    • Notice of Foreclosure Sale (§ 42-817):
      • Lenders must send a notice at least 30 days before the foreclosure sale, detailing the sale and borrower’s rights.
  • Application in Court:
    • Courts require proof of participation in mediation and proper notice before allowing foreclosure to proceed. Non-compliance can result in delays or dismissal of foreclosure actions.

Consumer Protection Procedures Ac

• D.C. Code § 28-3901 et seq.:
  • Key Provisions:
    • Prohibits deceptive and unfair practices in mortgage servicing.
    • Requires lenders to clearly communicate loss mitigation options to borrowers.
  • Application in Court:
    • Borrowers can seek remedies for violations under this Act, and courts can impose penalties or require corrective actions by lenders.