An Act To Clarify the Requirements for Notice of the Right To Cure a Mortgage Default
Maine Legislature, Session 127, LD 0630
Committee: Insurance and Financial Services
Sponsors: WHITTEMORE, STETKIS, COLLINS, CYRWAY, KATZ, SAVIELLO, MORRISON, O'CONNOR, PICCHIOTTI, WALLACE
Amends: 14 MRSA §6111

Legislative Document 
No. 630 
S.P. 223 
In Senate, March 3, 2015 
An Act To Clarify the Requirements for Notice of the Right To Cure 
a Mortgage Default 
Reference to the Committee on Insurance and Financial Services suggested and ordered 
printed. 
HEATHER J.R. PRIEST 
Secretary of the Senate 
Presented by Senator WHITTEMORE of Somerset. 
Cosponsored by Representative STETKIS of Canaan and 
Senators: COLLINS of York, CYRWAY of Kennebec, KATZ of Kennebec, SAVIELLO of 
Franklin, Representatives: MORRISON of South Portland, O'CONNOR of Berwick, 
PICCHIOTTI of Fairfield, WALLACE of Dexter. 
Be it enacted by the People of the State of Maine as follows: 
Sec. 1.  14 MRSA §6111, sub-§1-A, ¶¶B, F and G, as enacted by PL 2009, c. 
402, §11, are amended to read: 
B.  An itemization of all past due amounts causing the loan to be in default and the 
total amount due to cure the default; 
F.  The name, address, telephone number and other contact information for all 
counseling agencies approved by the United States Department of Housing and 
Urban Development operating to assist mortgagors in the State to avoid foreclosure; 
and 
G.  Where mediation is available as set forth in section 6321-A, a statement that a 
mortgagor may request mediation to explore options for avoiding foreclosure 
judgment.; and 
Sec. 2.  14 MRSA §6111, sub-§1-A, ¶H is enacted to read: 
H.  A statement that the total amount due does not include any amounts that become 
due after the date of the notice. 
Sec. 3.  14 MRSA §6111, sub-§3-A, as enacted by PL 2009, c. 402, §12, is 
amended to read: 
3-A.  Information; Bureau of Consumer Credit Protection.  Within Except as 
provided in this subsection, within 3 days of providing written notice to the mortgagor as 
required by subsections 1 and 1-A, the mortgagee shall file the following information 
with the Department of Professional and Financial Regulation, Bureau of Consumer 
Credit Protection, in electronic format as designated by the Bureau of Consumer Credit 
Protection, information including: 
A.  The name and address of the mortgagor and the date the written notice required 
by subsections 1 and 1-A was mailed to the mortgagor and the address to which the 
notice was sent; 
B.  The address, telephone number and other contact information for persons having 
authority to modify a mortgage loan with the mortgagor to avoid foreclosure, 
including, but not limited to, the mortgagee, the mortgage servicer and an agent of the 
mortgagee; and 
C.  Other information, as permitted by state and federal law, requested of the 
mortgagor by the Bureau of Consumer Credit Protection. 
Alternatively, at the option of the mortgagee, the mortgagee may make the filing under 
this subsection with the Department of Professional and Financial Regulation, Bureau of 
Consumer Credit Protection within 3 days after the expiration of the 35-day right-to-cure 
period, but at least 35 days before commencing a foreclosure action under section 6321. 
SUMMARY 
This bill requires that the notice of a consumer's right to cure a mortgage default 
include a statement that the amount due stated in the notice does not include any amounts 
that become due after the date of the notice.  It also provides an alternative to the date by 
which a mortgagee must provide information to the Department of Professional and 
Financial Regulation, Bureau of Consumer Credit Protection of 3 days after the 
expiration of the right-to-cure period.