whether the violations are such that the mort-
gagor should be afforded an extended right, be-
yond the period permitted under State law— 
(i) to rescind the mortgage in defense 
of the foreclosure; or 
(ii) to redeem the mortgage. 
(D) Identification of— 
(i) the actual holder of the mortgage 
note, the originating lender for the mort-
gage and all subsequent assignees, and 
other all parties who have an interest in 
the real estate that is subject to the mort-
gage or in the mortgage or the proceeds of 
the mortgage; and 
(ii) any parties identified pursuant to 
clause (i) that received any assistance pur-
suant to title I of the Emergency Eco-
nomic Stabilization Act of 2008 (12 U.S.C. 
5211 et seq.) and the amount of any such 
assistance received. 
(E) A statement of whether a bona fide de-
fault on the covered mortgage has occurred. 
(F) A description of any hardship cir-
cumstances 
regarding 
the 
economic 
cir-
cumstances of the mortgagor that would be rel-
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evant to a determination by the mortgagee of 
whether to modify the mortgage. 
(G) A statement of whether the mortgage 
is insured under title II of the National Hous-
ing Act (12 U.S.C. 1707 et seq.). 
(H) A statement of whether the mortgage 
is, or any terms of the mortgage are, unfair or 
constitute an unfair or deceptive act or practice 
violating the Federal Trade Commission Act 
(15 U.S.C. 41 et seq.), and if so, a description 
of the unfairness or the unfair or deceptive act 
or practice. 
(I) A statement of whether any material 
misrepresentations were made that fraudulently 
induced the mortgagor to enter into the trans-
action to his or her detriment, and if so, a de-
scription of such misrepresentation. 
(J) Identification of any offsets to the 
creditor claim on the mortgage. 
(K) A statement of the racial characteris-
tics, gender, census tract, and income level of 
the mortgagor, as such terms are used for pur-
poses of compliance with the Home Mortgage 
Disclosure Act of 1975 (12 U.S.C. 2801 et 
seq.). 
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(2) REQUIRED
NOTIFICATION.—The person 
commencing the foreclosure shall provide notice to 
the mortgagor, in writing, not less than 5 days be-
fore any action is taken to commence the proceeding 
or action for foreclosure, and shall certify to the 
court, in the case of a judicial foreclosure, or to the 
office of the State or other subdivision of the State 
to which notice of default, foreclosure, or sale of the 
foreclosed property is required under State law to be 
submitted in the case of a nonjudicial foreclosure, 
that such notice has been provided, that includes the 
following information: 
(A) A statement of any rights of the mort-
gagor under the applicable laws governing the 
foreclosure and consumer rights. 
(B) A statement of any deadlines for filing 
answers, defenses, or objections to the fore-
closure, including those rights of the mortgagor 
under the Real Estate Settlement Procedures 
Act of 1974 and any applicable State laws. 
(C) A statement of any penalties and other 
consequences for the mortgagor if the mort-
gagor does not respond or file answers to the 
foreclosure. 
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