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Issue link: http://digital.dsnews.com/i/441572
4 This Month FROM OUR DESK . . . . . . . . . . . . . . . . . . . . . 2 DS JOURNAL HUD, Treasury Announce Enhance- ments to Mortgage Loan Mod Programs, Republicans Request More Informa- tion from Justice Department on MBS Settlements, Analysts Predict Continued Improvement for Housing as Economy Strengthens in 2015, HUD Joins Forces with Non-Profit Alliance to Fight Veteran Homelessness, FHFA Director Outlines GSEs' Strategic Objectives before Senate Banking Committee . . . . . . . . . . . . . . . . . . 7 STATE OF AFFAIRS Impactful local market information at your fingertips . . . . . . . . . . . . . . . . . . . 121 COVER FEATURE THE VIEW FROM THE BENCH: LEGAL INDUSTRY UPDATE Total coverage from top experts on the latest legal developments to hit the housing industry . . . . . . . . . . . . . . . . . . .45 NATIONAL FOCUS – SELECTED FEATURES THE POTENTIAL POWER OF A POSTAGE STAMP Amended mortgage rescission under the Truth in Lending Act regulations will allow for clearer communications between lenders and borrowers. By Lauren Riddick & Louis Manetti . . . . . . . . . . . . . . . . . . .46 FREDDIE MAC AND FANNIE MAE ARE FRIENDLESS Could an unsteady Freddie push Congress to pass housing finance reform legislation? By Laurence Platt, Bruce Heiman, and Kara Ward . . . . . . . . . . . . . . . . . . . . . . . . .50 STATE FOCUS – SELECTED FEATURES FLORIDA FORECLOSURE LITIGATION CONTINUES TO EVOLVE With a rate almost three times the national average, Florida continues to lead the country in foreclosure filings. Lenders and servicers should be aware of the following recent trends in litigating Florida foreclosures. By Michael W. Smith . . . . . . . . . . . . . .62 Contributors WE WISH TO SINCERELY THANK THE TWENTY TWO ATTORNEYS THAT CONTRIBUTED TO THE CONTENT AND FORMATION OF THIS EDITION. Lauren Riddic Louis Manetti Larry Platt Bruce Heiman Kara Ward Kathryn A. Bodanza Jeff Raff Jessica L. Valdez Megan R. Stumph Scott D. Samlin C. Brent Wardrop Matthew F. Totten Sonia Plesset Kerry W. Franich Roger D. Bear Jason B. Erlich Jason D. Altman Andrew C. Clark Stephanie A. Reinhart-Rock Matt eunick C. Lance Margolin Kim Sheek Michael W. Smith Join the Conversation Do you have a suggestion, story idea, or feedback you'd like to share with DS News readers? Help shape our next issue and e-mail Editor@DSNews.com. J A N U A R Y 2 0 1 5 C o n t e n t s D S N E W S . C O M 46 50 7 73 The View from the Bench: LEGAL INDUSTRY UPDATE Total coverage from top experts on the latest legal developments to hit the housing industry 48