Mortgage Foreclosure Dispute Resolution (MFDR) Program

Mortgage Foreclosure Dispute Resolution (MFDR) Program

Welcome to the Mortgage Foreclosure Dispute Resolution Program

Act 48, SLH 2011, created the Mortgage Foreclosure Dispute Resolution Program (see FAQ file for the Act text and other information). With the assistance of the Judiciary Center for Alternative Dispute Resolution, DCCA has contracted with neutral services providers to supply qualified neutrals in order to facilitate dispute resolution between owner-occupants and their lenders.

Act 182, SLH 2012, changed the Mortgage Foreclosure Dispute Resolution Program by refining definitions, clarifying the applicability of the Unfair Deceptive Acts or Practices section, changing scheduling requirements to allow owner-occupants to meet Program deadlines more easily, and allowing owner-occupants to elect participation in the Program on our website. Act 182, SLH 2012 implemented the recommendations set forth by the 2011 Mortgage Foreclosure Task Force .

Pursuant to Act 182, Session Laws of Hawaii 2012 (the “Act”), section 20, the DCCA expanded its website for the Mortgage Foreclosure Dispute Resolution Program ( http://mfdr.ehawaii.gov ) to permit mortgagees who have foreclosed owner-occupied property, nonjudicially, to fulfill a portion of their notice requirements online.  Per the Act, electronic publication costs $300 per notice.  An ehawaii.gov subscriber account is required to publish, but not to view, notices of public sale published in this manner.

Independent Foreclosure Review

If your primary residence was in foreclosure (at any part of the process) during 2009 & 2010, you MAY be eligible to have an independent 3rd party review your foreclosure for service breaches or other irregularities, which may result in compensation for financial injuries incurred, or suspension or cancellation of the foreclosure.  To find out if your servicer was a party to the enforcement action of the Office of the Comptroller of the Currency, please click on the link below to get website and phone contact information in order to see the list of servicers affected and request a review of your foreclosure.  The deadline for requests is December 31, 2012.  This service is provided at no cost to you.

( Mortgage Foreclosure Review )

Foreclosure Notice Filings

Lenders who wish to file foreclosure notices in-person or via mail with DCCA-OAH may do so through our office at:

Mortgage Foreclosure Dispute Resolution Program
Leiopapa A Kamehameha Building, Room 801
235 South Beretania Street
Honolulu, HI 96813-2419

Please be sure to include your $250 filing fee.

Online Filing Portal

MFDR Filing Portal — View or publish Notice of Public Sale, file your foreclosure notices electronically, or view your dispute resolution case.

Lenders require an eHawaii.gov subscriber account. Create an Account .

Online Filing Portal FAQ

Information and FAQ’s

Mortgage Foreclosure Dispute Resolution (MFDR) Program FAQ

Condominium FAQ

Electronic Publication of Notice of Public Sale FAQ

Director’s Final Order, in the Matter of the Petition for Declaratory Relief of Ekimoto & Morris, LLLC: MFDRP-DR-2011-1(PDF)

Hawaii-based HUD certified housing counselors and US Trustee Program approved budget and credit counselors

Mortgage Foreclosure Task Force

2011 Mortgage Foreclosure Dispute Resolution Program Annual Report to the Legislature(PDF)

2012 Mortgage Foreclosure Dispute Resolution Program Annual Report to the Legislature(PDF)

Joint State-Federal Mortgage Servicing Case Settlement, Department of the Attorney General

For additional information, please call (808)586-2886