Mortgage Foreclosure Dispute Resolution (MFDR) Program

Welcome to the Mortgage Foreclosure Dispute Resolution Program which houses the online filing portal for notice of public sale.

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 (https://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.