Newsworthy News

Commentary: The Fate of Fannie Mae and Freddie Mac

Congress chartered “Fannie Mae”: in 1938 as part of the New Deal and “Freddie Mac”: in 1970. Although they were chartered by the federal government, the corporations were owned […]

Could Supreme Court Decision Lead To Revocation Of CFPB Rules?

Should President Obama end up being sued by House Republicans over his recess appointments to the Consumer Financial Protection Bureau (CFPB) and National Labor Relations Board in 2012 – actions […]

Prior Servicers’ Records and The Business Records Hearsay Exception

Just as investors buy and sell mortgages, servicers are routinely changed during the life of the loan. When a service transfer occurs and the loan goes into foreclosure, the business […]


BEST PRACTICES We at Gilbert Garcia Group, P.A. recommend the following tips in the event of a disagreement or litigation with an association regarding unpaid assessments: Keep a copy of […]

Loss Mitigation and the CFPB

BACKGROUND As of January 10, 2014, The Consumer Financial Protection Bureau (CFPB) implemented new procedures for Loss Mitigation Workouts for Mortgage Servicers. Under 12 CFR § 1024.41 (Also known as […]


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