Martin O'Malley GOVERNOR Anthony G. Brown LT. GOVERNOR Raymond A. Skinner SECRETARY Clarence J. Snuggs DEPUTY SECRETARY

1. HOPE QUARTERLY MEETING September 19, 2013 • Martin O'Malley • GOVERNOR • Anthony G. Brown • LT. GOVERNOR • Raymond A. Skinner • SECRETARY • Clarence J. Snuggs • DEPUTY SECRETARY

2. Foreclosure Prevention Team Key Staff Reginald Stanfield Director, Community Programs stanfield@mdhousing.org 410-514-7209 Virginia Tepper Director, Data & Technology Resources tepper@mdhousing.org 410-514-7359

3. Foreclosure Prevention Team Karen Ashby Assistant Director, Community Programs ashby@mdhousing.org 410-514-7209 Natasha Mehu Program Manager mehu@mdhousing.org 410-514-7124

4. Foreclosure Prevention Team Emilie Drasher Program Manager (410) 514-7221 Drasher@mdhousing.org Josephine Selvakumar Program Manager (410) 514-7232 Selvakumar@mdhousing.org

5. Today’s Agenda • Program and Grant Updates • NFMC Compliance • Monthly and Quarterly Reporting • Mock Mediation • Lunch • Wells Fargo – Home Preservation Update • Ask-a-Lawyer Session

6. Program and Grant updates

7. HUD Proposed Rule

8. HUD Proposed Rule Housing Counseling Program: New Certification Requirements • Can be found in Federal Register, Vol. 78 No. 178, Friday September 13, 2013. Online: http://www.gpo.gov/fdsys/pkg/FR-2013-09-13/pdf/2013-22229.pdf • Results from Amendments to the Dodd-Frank Wall Street Reform and Consumer Protection Act

9. HUD Proposed Rule - Summary • Required HUD Certification of individual housing counselors. • 6 subject written test • All counselors must be certified for an agency to obtain or maintain HUD certification • Required comprehensive housing counseling programs • Deciding whether to purchase a home  Sale or disposition of a home

10. HUD Proposed Rule - Summary • Prohibition of funds to organizations in violation of Federal election laws. • Reimbursements of funds to HUD within 12 months for organizations found to have misused funds in material violation to statute, regulations or requirements. • Effective Date: 1 yr after the effective date of the final rule that will follow the proposed rule

11. HUD Proposed Rule - Comments Comments must include: • Title – Housing Counseling Program: New Certification Requirements • Docket No. FR 5339-P-01 Submission: Due by Nov. 12, 2013 • Mail - Regulations Division, Office of General Counsel, Department of Housing and Urban Development, 451 7th Street SW, Room 10276, Washington DC 20410 • Electronic Submission – www.regulations.gov

12. MHCF/AG Streamlined Grant Review & MHCF Supplemental Grant Round

13. MHCF/AG Streamlined Grant Review Annual review of 3 year grant commitments • Purpose: • Review past year performance • Anticipate future program • Applicability • Agencies that were awarded 3 year grants

14. MHCF/AG Streamlined Grant Review • Description of past year’s accomplishments and use of funds • Explanation for any changes from original proposal • Review of goals and progress towards goals • Explanation for why you have not met the goals • Description of plans for next two years • Explanation of any changes from original proposal • Any additional resources needed

15. MHCF Supplemental RFP 2 Year Grant Round (CY 14 and CY 15) • Purpose: • Increase counseling capacity across the State • Applicability • Agencies not previously awarded funds in MHCF/AG 3 year grant round

16. Technology Requests • DHCD will be requiring use of a mediation portal and will fund the agency fee. • Streamlined Review • Reflect fee under technology in program budget. • Supplemental Grant • Reflect fee under technology in program budget. Fee will be in addition to one time optional 10k technology request.

17. Streamlined Review and Supplemental Grant • Webinar sessions will be scheduled to go over both the Streamlined and Supplemental Applications.

18. Questions ?

19. MHA UPDATES

20. MHA Outreach and Intake Project – Outreach Activities • Weather Channel Crawl (Comcast) • Ride-On Bus Ads (Montgomery County) • E-Newsletter • Billboards on the Eastern Shore • El Zol Spanish Radio • MHA-branded Posters MHA Unemployment Program • Not available for Freddie or Fannie mortgages • Must be unemployed and eligible for unemployment benefits • DHCD outreach to people applying for unemployment benefits MHA Updates

21. Otd & Mediation data

22. OTD & Mediation Data

23. OTD & Mediation Data

24. HOPE HOTLINE Data

25. HOPE HOTLINE Data

26. Neighbor Works Compliance NFMC

27. Neighbor Works NFMC Compliance • Threshold process ensures that the Grantee and its sub-grantees, branches and/or affiliates are adhering to the terms and conditions of the NFMC Grant Agreement and Funding Announcement • Random Reviews are conducted at 25%, 60% and 95%. (File Sampling) • Please be ready with “Paper Sandwiches” by number. Don’t send documents individually.

28. Neighbor Works NFMC Compliance • NFMC does not provide client names to Grantees but will provide Client ID numbers. (This refers to DHCD portal Numbers.) • Use Print out of Portal for Intake • TYPED information where possible • NFMC AUTHORIZATION • Errors are found, must remedy all files for that round.

29. Neighbor Works NFMC Compliance NFMC Program – Counselor’s Website http://mdhope.dhcd.maryland.gov/Counseling/Pages/CounselorsPortal.aspx • NFMC: Making Home Affordable - Outreach and Intake • NFMC: Events of Default and Remedies Policy • NFMC Action Plan Template • NFMC Quality Control and Compliance Worksheet • DHCD Reporting: Sample Client Satisfaction Survey Form • National Industry Standards Code of Ethics • MHA Checklist 10-2012 • MD DHCD NFMC Required Documentation • Sample Authorization Form & Privacy Statement

30. Special Notes About the Round 7 – Level 2 Counseling • NFMC no longer requires Close-Out Documentation • Steps Taken on Action Plan: Counselors notes alone do not satisfy the requirements. Verification that action took place is required. • Suggestions for documenting referrals to realtors- must include 3 realtors and client signature stating they received the list.

31. Special Notes About the Round 7 • Each Grantee should send Neighbor Works America an updated audit within 6 months of its fiscal year end date. • Neighbor Works America will ask certain Grantees for updated financial statements every six months.

32. Special Notes About the Round 7 • Exception- If a Sub-grantee has revenues less than $300,000 annually AND receives less than $25,000 in NFMC funding, the Sub-grantee may submit a Review Statement or Compilation Statement in lieu of independent audited financial statements”

33. Special Notes About the Round 7 • Grantees must have signed the National Industry Standards Code of Ethics and Conduct and Minimum Standard Activities for Foreclosure Intervention and Default Counseling.

34. Neighbor Works Compliance • Authorization Forms – NFMC Authorization not other Authorization Old Forms Key Provisions – remove dates!! Form must explicitly state that the client is authorizing (a). the agency to submit client-level information to the Data Collection System for the NFMC grant, (b). NFMC to open files to be reviewed for program monitoring and compliance purposes, and (c). NFMC to conduct follow-up with the client related to program evaluation.

35. Neighbor Works Compliance • Disclosure Language I understand that (organization name) provides information and education on numerous loan products and housing programs and I further understand that the housing counseling I receive from (organization name) in no way obligates me to choose any of theseparticular loan products or housing programs.

36. NFMC Level 1 Counseling Defined Level 1 Counseling - All of these completed documents must be in client file: • Intake – DHCD Portal, CMS, or HOPE LOAN PORT® • Signed Authorization with NFMC language not credit authorization or mortgage authorization • Budget • Action Plan – NFMC Compliance Worksheet • Screen for Making Home Affordable. If no, note it. If yes, application. .

37. NFMC Level 2 Counseling Defined Level 2 Counseling - These completed documents must be in client file: • Signed Authorization with NFMC language, • Verified budget (income and debt,) • Documentation of Action Plan, • Close-out documentation. (Proof of communication with lender)

38. Key Points to Remember • Adherence to the Industry Standards • Training for new counselors • Stay current – HUD, MHA, etc. • Reducing number of open cases. • Continue to do outstanding work • Communicate with DHCD about what is going on in your agency.

39. Key Points to Remember • Signed Ethics to HOPEINFO@mdhousing.org • Review NFMC requirements • Can enter clients to the portal for NFMC Round 7 as of August 2013 • New grantees information be added as of July 2013 • Compliance with Housing Counseling Standards • Make links with Legal Service Providers

40. Questions?

41. MONTHLY AND QUARTERLYREPORTING

42. Questions?

43. Dates to Remember • 5th of the Month – Monthly Reports Due • 5th and 20th of the month Wait Time Survey • 10th of the month Legal Reports Due • Oct 31 – AG/MHCF Quarterly Report due for July 1 – Sept. 30 • Oct 1- 3 - Financial Management for Decision Makers, NW placed base training – Baltimore Next Quarterly Meeting – March 13, 2013

44. QUESTIONS?

45. MOCK MEDIATION

46. Ask-a-Lawyer Q & A Session Moderator: AvyMallik, Civil Justice Panelist: • Gretchen Reimert, Legal Aid Bureau • Owen Jarvis, St. Ambrose Housing Aid Center • AyodejiBadaki, Private Attorney/Civil Justice Member • Melanie Mfume, Private Attorney/Civil Justice Member