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 In 2013, the Consumer Financial Protection Bureau (CFPB or Bureau) issued a final rule to implement provisions of the Dodd-Frank Act relating to mortgage loan servicing. As part of that rulemaking, the Bureau adopted various provisions pursuant to the CFPB’s discretionary authorities under the Real Estate Settlement Procedures Act. Those discretionary provisions, which the CFPB has amended periodically, include requirements relating to servicer policies and procedures, early intervention with delinquent borrowers, continuity of contact, and procedures for evaluating and responding to loss mitigation applications. The Bureau is issuing an Advance Notice of Proposed Rulemaking to solicit comments and information to help the Bureau assess the costs and benefits of those discretionary provisions for the purpose of determining whether the Bureau should amend or rescind those provisions.