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Independent Foreclosure Review

Payment Agreement Frequently Asked Questions

PLEASE NOTE: As of July 2013, the Independent Foreclosure Review (IFR) ended at all mortgage servicers supervised by the Federal Reserve that were subject to foreclosure-related enforcement actions. The mortgage servicers reached an agreement in principle with the Office of the Comptroller of the Currency and the Board of Governors of the Federal Reserve System to provide approximately $10 billion in cash payments and other assistance to help borrowers. As of January 2017, the IFR Payment Agreement has concluded. More information regarding the Payment Agreement can be found here .


January 12, 2018 Update: The Federal Reserve Board announced the termination of enforcement actions related to residential mortgage loan servicing and foreclosure processing issued in 2011 and 2012 against 10 banking organizations. The 10 banking organizations are: Ally Financial Inc. (GMAC Mortgage); Bank of America; CIT Group, Inc. (as successor to IMB HoldCo LLC / OneWest); Goldman Sachs (Litton Loan Servicing LP); HSBC; JPMorgan Chase (EMC Mortgage); Morgan Stanley (Saxon Mortgage), PNC; SunTrust; and U.S. Bancorp. The actions required the firms to improve oversight of residential mortgage loan servicing and to correct deficiencies in residential mortgage loan servicing and foreclosure processing. More information regarding the termination of the enforcement actions can be found here .

January 12, 2018 Update:

The Federal Reserve Board issued enforcement actions against four large mortgage servicers--GMAC Mortgage, HSBC Finance Corporation, SunTrust Mortgage, and EMC Mortgage Corporation--in April 2011. Under those actions, the four servicers were required to retain independent consultants to review foreclosures that were initiated, pending, or completed during 2009 or 2010. The review was intended to determine if borrowers suffered financial harm directly resulting from errors, misrepresentations, or other deficiencies that may have occurred during the foreclosure process.In September 2011 and April 2012, the Federal Reserve Board issued similar enforcement actions against Goldman Sachs (Litton Loan Servicing LP) and Morgan Stanley (Saxon Mortgage Services, Inc.). Angara Oval Blue Sapphire and Diamond Halo Ring in Platinum ao4yWrx

A number of servicers supervised by the Office of the Comptroller of the Currency (OCC) were also required to conduct independent reviews. (See below for the full list of servicers.)

Shri A.K. Dixit, Counsellor (Coord) is the RTI Appellate authority in the Mission since 3 June, 2016.
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Tender Notice - India-Russia bilateral cooperation Exhibition

Q1. Dear Mr. Ambassador, on August 15 the Indian people celebrate Independence Day. What does this holiday mean for India?

Ans: India's Independence Day is an occasion to pay homage to those who selflessly and courageously fought for India's freedom. It is a day for every Indian to remember with deep gratitude the brave guardians of India's frontiers and our citizens who have over the years sacrificed their lives for our safety and security. It is also a time to re-dedicate ourselves to building a modern, vibrant India, and to serving our people and the larger cause of humanity.

Since its independence six and a half decades ago, India has secured a respected place in the community of nations as a country committed to justice, equality, and the rule of law. Indians are proud citizens of the largest, most diverse, and vibrant democracy in the world - a democracy buttressed by a free media, an independent judiciary, an active civil society, and inbuilt mechanisms for course correction and redressal. On our national holiday, it is deeply satisfying to see a country of 1.2 billion people, characterized by vast linguistic, religious, ethnic and cultural diversity, so confidently moving ahead as one.

Q2. In your opinion, which aspects of cooperation between our countries have the biggest potential for the next few years?

Ans: The unique India-Russia partnership extends beyond close and regular political interaction at the Summit and other levels to deep-seated, long-term cooperation in such key areas as space, defence, nuclear energy, and science technology. We will continue to promote cooperation in these sectors as a matter of high importance. We will also seek to further expand trade and investment in priority sectors, such as oil gas, pharmaceuticals and information technology, to better reflect our complementarities in those sectors and the size of our economies. Cooperation would also be enhanced in such fields as biotechnology, nanotechnology, medical sciences, agro-chemicals, and meteorology, for example. We will support initiatives that enhance people-to-people exchanges, such as between our artistes, academics, entrepreneurs, journalists, parliamentarians, youth, and others.

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