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.
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
Lenders require an eHawaii.gov subscriber account. Create an Account .
Information and FAQ’s
For additional information, please call (808)586-2886