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12.3.9.1 Overview

State legislatures, governor’s offices, court administrators, and state regulatory agencies have responded in several ways to assist borrowers impacted by the COVID-19 pandemic. In many instances the relief has been limited to imposing moratoria on foreclosure activities. However, several states have gone further and established requirements for substantive relief for borrowers. In a few instances, this relief has included directives to implement forbearance and post-forbearance options for affected borrowers.