|
Category
|
Description
|
| Total |
Total Cases Tracked (some cases tracked in multiple categories) |
| Advertising |
Lawsuits about mortgage advertising, bait and switch ads, deceptive ads and do-not-call violations. |
| Appraisals |
Litigation related to real estate appraisals, pressuring appraisers and appraisal fraud. |
| Bankruptcy- Consumer |
Legal issues surrounding borrowers who file for bankruptcy, including servicing bankrupt borrowers. |
| Bankruptcy- Corporate |
Litigation surrounding companies that file for bankruptcy protection or bankruptcy liquidation |
| Commercial Mortgage |
Cases related to commercial mortgage lending. |
| Commitments |
Loan commitment litigation. |
| Compliance |
Lawsuits and actions tied to violations of mortgage regulations. |
| Copyright |
Lawsuits about copyright, trademark and intellectual property issues. |
| Credit |
Litigation based on credit reporting and other credit issues. |
| Criminal |
Cases involving criminal complaints. |
| Discrimination |
Class actions and lawsuits related to lending discrimination involving minorities, neighborhoods and property types. |
| Down Payment Assistance |
Cases about the legality of DPA programs and HUD’s ability to prohibit them. |
| Embezzlement |
Legal actions on mortgage-related embezzlement and accounting fraud. |
| Employment |
Employment lawsuits involving overtime, employment discrimination and employment contracts. Whistleblowers and WARN notice violation cases also. |
| Fees |
Lawsuits involving excessive fees collected at origination, servicing fees and loan fees that exceed state maximums. Also includes actions involving fees to county recorders. |
| Foreclosures |
Cases with activity beyond a borrower’s initial challenge to foreclosure and cases against foreclosure rescue services. |
| HELOC |
Cases related to home-equity lines-of-credit |
| Insider Trading |
Criminal cases about mortgage executives accused of trading securities based on insider information. |
| Investor |
Shareholder lawsuits and class actions accusing companies of inflating earnings, overstating capital position or otherwise deceiving investors in the company. Typically involves alleged violations of the Securities and Exchange Act of 1934. |
| Leads |
Litigation about mortgage leads. |
| Licenses |
Regulator lawsuits and actions against improperly licensed and unlicensed mortgage companies. |
| MBS |
Lawsuits related to mortgage-backed securities. |
| Mergers |
Lawsuits relating to mergers and acquisitions. |
| Military |
Actions involving military borrowers (added to report in Q2 2011). |
| Modifications |
Actions tied to loan modifications and modification firms. |
| Mortgage Fraud |
Cases involving mortgage fraud, flipping, identity theft and inflated appraisals. |
| Mortgage Insurance |
Lawsuits tied to mortgage insurance. |
| Net Branch |
Litigation involving net branch operations. |
| Predatory |
Lawsuits and regulatory actions against predatory lenders. |
| Preemption |
Lawsuits about federal regulatory preemption over state regulation. |
| Privacy |
Lawsuits about privacy issues. |
| Regulatory |
Legal actions taken by or against regulatory agencies. Excludes regulatory orders. |
| Reverse Mortgages |
Litigation tied to home-equity conversion mortgages and reverse mortgage issues, programs and lenders. |
| Secondary Marketing |
Cases related to secondary marketing, warehouse lending and repurchases. |
| Servicing |
Litigation related to loan servicing, including escrow issues, transfer of servicing and servicing borrowers in bankruptcy and foreclosure. |
| Suitability |
Lawsuits about mortgage company liability in determining suitability of loans for borrowers. |
| Technology |
Lending technology issues litigated. |
| Title |
Litigation tied to property title and title insurance claims. Foreclosures cases with activity beyond a borrower’s initial challenge to title. |
| Whistleblower |
Actions filed under False Claims Act. |
| YSP |
Litigation centered around yield spread premiums and YSP disclosures. |
