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73 October 2025 J O U R N A L themortgagepoint.com October 2025 » Kathy Hochul signed the Foreclo- sure Abuse Prevention Act into law, a measure drafted to provide additional protections to homeowners facing fore- closure proceedings, particularly those who have been subjected to abusive practices by plaintiffs and mortgage servicers. The Act also aims to prevent disproportionate, manipulative practices against people of color. "This action by New York under- mines the integrity of contract law and destabilizes the housing finance system that relies on predictability and fair- ness," said Stephen M. Hladik, a Partner at Hladik, Onorato & Federman LLP and Chair of Legal League's Advisory Council. The class action asserts claims under: • The Takings Clause of the Fifth and Fourteenth Amendments to the U.S. Constitution • The Contracts Clause of the U.S. Constitution • The Due Process Clause of the Four- teenth Amendment "Our clients, and the mortgage industry as a whole, deserve clarity, stability, and respect for the rule of law," Eisenberg said. Eisenberg serves as Founder, Managing Shareholder, and CEO of Warrington, Pennsylvania-based Stern & Eisenberg. Eisenberg has an extensive background in real estate and corporate matters, including the acquisition and sale of businesses and assets. Stern & Eisenberg focuses on the representation of lenders and servicers in the enforce- ment and protection of their interests in the legal process, including foreclosure, bankruptcy, evictions, title claims, loan modifications, and litigation. "This case is about protecting fundamental constitutional rights and ensuring that the State cannot upend settled expectations through retroactive legislation," Hladik added. "Our clients, and the mortgage industry as a whole, deserve clarity, stability, and respect for the rule of law." —Steven K. Eisenberg, Partner, Stern & Eisenberg Serving Wayne, Oakland, Macomb, Washtenaw, Monroe and Livingston counties RE/MAX Team 2000 Hussein M. Farhat 23676 Park St Dearborn, MI 48124 Office: (313) 561-0900 Fax: (313) 561-0468 Cell: (313) 333-1588 thefarhatteam@yahoo.com husseinfarhat.levelupmi.com Maximizing Value, Minimizing Stress in Michigan Formerly a Deputy Attorney General in charge of the Harrisburg office of the Pennsylvania Bureau of Consumer Protec- tion, Hladik serves as Partner with Hladik, Onorato & Federman LLP, bringing a broad range of experience to his mortgage foreclosure, bankruptcy, tax sale, and UDAP experience to his practice. A gradu- ate of Pennsylvania State University, Hladik obtained his law degree from Widener University, with honors, where he served as Internal Managing Editor of the Law Review. Hladik gained significant expertise in lending law enforcement while serving in the Pennsylvania Attorney General's Bureau of Consumer Protection, handling UDAP, FDCPA, RESPA, and TILA cases. Headquartered in Montgomery County, Pennsylvania, Hladik, Onorato & Feder- man LLP represents clients in Pennsylva- nia, New Jersey, Michigan, and Arizona. Legal League is a professional association of financial services law firms in the United States, positioned to drive progress in the mortgage servicing industry.