Product: Mortgage

Based on reports released, I was eligible for payments ; a borrower must have had a mortgage loan owned by the XXXX ( better known as " XXXX '' ) or the XXXX ( better known as " XXXX XXXX '' ). The loan had to have been serviced by SunTrust and the borrower must have applied for and started a HAMP trial with SunTrust by XX/XX/XXXX. The borrower must also qualify for at least one Victim Compensation and Restitution Plan category. However, the borrower 's loan does not need to be currently serviced by SunTrust, and it does not matter whether the borrower entered into a HAMP or alternative modification, the HAMP application was denied, or the loan went into default or foreclosure. 
( ) The loan servicer failed to adequately respond to a Qualified Written Request ( and an bona fide issue over whether there is a default or what amount was actually owed etc. ) ( 4 ) The lender or loan servicer ( agent of lender ) failed to follow the foreclosure rules ( ex. in regard to the notice of default / notice of sale / contact requirements under 2923.5 etc. ) ( 5 ) The default was " cured '' most likely due to a modification agreement / trial plan agreement etc. 

According to XXXX This settlement resolves an investigation by the United States Department of Justice ( `` the Government '' ) into the administration of the Home Affordable Modification Program ( " HAMP '' ) by SunTrust Mortgage , Inc. ( `` SunTrust '' ). 
The Government 's investigation confirmed, and SunTrust agreed, that there were numerous problems with SunTrust 's administration of HAMP from XX/XX/XXXX through at least XX/XX/XXXX. This included, statements to customers that were not accurate, and thousands of homeowners who applied for a HAMP modification with SunTrust suffering harms that included damage to their credit scores, excessive capitalized interest, and being prevented from making an informed choice about saving or disposing of their homes. Congress enacted the Fair Housing Act of XX/XX/XXXX in order to promote equal access to housing opportunities. The Fair Housing Act ( along with its amendments ) states that property owners, financial institutions, and landlords may not discriminate on the basis of race and national origin ( the Act also prohibits discrimination based on sex, religion, family status, disability, and more ). Specifically, property owners, financial institutions, and landlords may not take the following action ( or inaction ) based on race of the actual or potential buyer, tenant, or applicant : Refusing to rent or sell housing ; Refusing to negotiate for housing ; Making housing unavailable ; Providing different terms to different people ; Setting different conditions or privileges for sale or rental of a property ; Denying access to or membership in a facility or service related to the sale or rental of housing ; Imposing different rates and terms on a loan ; Refusing to make a mortgage loan ; and Discriminating in appraising property. Almost all forms of housing are covered by the Fair Housing Act. There are, however, several exceptions to these prohibitions. Generally, owner-occupied buildings with no more than XXXX units, single family housing sold or rented without the use of a broker, and housing operated by organizations and private clubs that limit occupancy to members do not have to comply with the Act. - See more at : XXXX