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Bill

H 1983

An Act relative to unlawful practices in the servicing and foreclosure of a subordinate mortgage

194th Legislature (2025-2026) Introduced by Michelle DuBois and 3 co-sponsors

Massachusetts bill establishing legal protections against improper servicing and foreclosure practices for subordinate mortgage holders.

Hearing scheduled for 10/21/2025 from 01:00 PM-05:00 PM in A-2
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Bill Summary · H 1983

Legislative bill overview

H 1983 addresses unlawful practices in the servicing and foreclosure of subordinate mortgages (second mortgages, home equity lines of credit, etc.) in Massachusetts. The bill establishes legal protections and standards for how lenders must handle these loans, particularly during default and foreclosure proceedings.

Why is this important

Subordinate mortgage holders have fewer protections than primary lenders under existing law, creating opportunities for aggressive or improper servicing practices. Homeowners facing foreclosure on second mortgages often lack clear recourse when servicers violate borrower rights, making this legislation relevant to consumer protection and housing stability.

Potential points of contention

  • Defining "unlawful practices": The bill's effectiveness depends on specific definitions of prohibited conduct; overly vague language could limit enforcement while overly prescriptive rules might burden servicers
  • Impact on lending costs: Lenders may argue compliance costs increase servicing fees or reduce availability of subordinate mortgage products, particularly for lower-income borrowers
  • Judicial workload: Enhanced protections may generate additional litigation and regulatory oversight, requiring court and agency resources

Compiled from official sources — confirm details with the bill’s official record.

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