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In January 2013, the CFPB issued final mortgage servicing rules implementing numerous provisions of the Real Estate Settlement Procedures Act (RESPA) and the Truth in Lending Act, as amended by title XIV of the Dodd-Frank Wall Street Reform and Consumer Protection Act.  The CFPB has since made various corrections, clarifications, and other amendments to the January 2013, rules.  On April 9, the CFPB proposed amendments to the mortgage servicing early intervention and loss mitigation-related provisions in the Regulation X which implements RESPA.  The proposed rule aims to ensure that mortgage borrowers are evaluated for loss mitigation before servicers initiate the foreclosure process and to avert, to the extent possible, a foreclosure crisis when the COVID-19 forbearances end.