| Citation | Topic | Requirement |
| Mortgages and Liens / Conn. Gen. Stat. Ann. §49-16 | Foreclosure Certificate | When any mortgage of real estate has been foreclosed, and the time limited for redemption has passed, and the title to the mortgaged premises has become absolute in the mortgagee, the mortgagee must execute a certificate describing the premises foreclosed, the deed of mortgage on which the foreclosure was had, the book and page where the same was recorded and the time when the mortgage title became absolute. The certificate must be recorded in the records of the town where the property is located. |
| Mortgages and Liens / Conn. Gen. Stat. Ann. §49-31e(a) | Homeowner of Protections from Foreclosure | (a) In an action by a lender for the foreclosure of a mortgage of residential real property, such lender shall give notice to the homeowner of the availability of the provisions of sections 49-31d to 49-31i, inclusive, at the time the action is commenced. |
The Banking Law of Connecticut / Conn. Gen. Stat. Ann. §36a-719g | Late Fees | A mortgage servicer may not impose any late fee or delinquency charge when the only delinquency is attributable to late fees or delinquency charges assessed on an earlier payment, and the payment is otherwise a full payment for the applicable period and is paid on its due date or within any applicable grace period. Late charges may not be based on an amount greater than the past due amount, collected from the escrow account or from escrow surplus without the approval of the mortgagor or deducted from any regular payment. |
| Mortgages and Liens / Conn. Gen. Stat. Ann. §49-10a(a) | Loan Payoff Statement | Upon the written request of a borrower, a lender must provide a payoff statement or reinstatement payment statement in writing to the person requesting the statement on or before the date specified in the request, provided the request date is at least 7 business days after the date of receipt of the written request. If the request is made in connection with a default, the borrower's attorney may make the written request directly to the lender, provided the request contains a representation that the person requesting the payoff statement or reinstatement payment statement is the borrower's attorney and that the borrower has authorized the request. |
| Housing Finance Authority Act / Conn. Gen. Stat. Ann. §8-265dd(b) | Notice of Availability of Counseling | No judgment of strict foreclosure nor any judgment ordering a foreclosure sale may be entered in any action instituted by the mortgagee to foreclose an “eligible mortgage” unless: (1) a notice regarding the availability of counseling and emergency mortgage assistance payments has been given to the mortgagor and the time for response has expired; and (2) a determination has been made on the mortgagor's application for emergency mortgage assistance payments or the applicable time periods set forth in Conn. Gen. Stat. Ann. § 8-265cc to §8-265kk have expired, whichever is earlier. |
| Mortgages and Liens / Conn. Gen. Stat. Ann. §49-31l(c) | Notice of Foreclosure Mediation Program | When a mortgagee commences an action for the foreclosure of a mortgage on residential real property, the mortgagee must give notice to the mortgagor of the Foreclosure Mediation Program by attaching to the front of the writ, summons and complaint that is served on the mortgagor: (1) a copy of the Notice of Foreclosure Mediation; (2) a copy of the foreclosure mediation certificate form; (3) a blank appearance form; and (4) a mediation information form and a notice containing contact information for authority-approved consumer credit counseling agencies. |
| Mortgages and Liens / Conn. Gen. Stat. Ann. §49-31e(a) & Conn. Agencies Regs. §49-31j-2 | Notice to Homeowner of Protections from Foreclosure | At the time a foreclosure action is commenced, the lender must give notice to the homeowner that the homeowner is entitled to protection from foreclosure. Without limiting the sufficiency of other forms of notice, it is sufficient for a lender to give notice to a homeowner of the availability of the protection from foreclosure by inserting language which reads substantially as follows in capital letters at the end of the foreclosure complaint immediately following the prayers for relief: NOTICE: A PERSON WHO IS UNDEREMPLOYED OR UNEMPLOYED AND WHO HAS FOR A CONTINUOUS PERIOD OF AT LEAST TWO YEARS PRIOR TO THE COMMENCEMENT OF THIS FORECLOSURE ACTION OWNED AND OCCUPIED THE PROPERTY BEING FORECLOSED AS SUCH PERSON's PRINCIPAL RESIDENCE, MAY BE ENTITLED TO CERTAIN RELIEF PROVISIONS UNDER SECTIONS 49-31D TO 49-31I, INCLUSIVE, OF THE CONNECTICUT GENERAL STATUTES. YOU SHOULD CONSULT AN ATTORNEY TO DETERMINE YOUR RIGHTS UNDER SECTIONS 49-31D TO 49-31I, INCLUSIVE, OF THE CONNECTICUT GENERAL STATUTES. |
| Conn. Gen. Stat. Ann. §8-265ee | Notice to Mortgagee of Foreclosure | This notice must be provided prior to any judgment ordering a foreclosure sale. |
| The Banking Law of Connecticut / Conn. Gen. Stat. Ann. §36a-498b(b) | Payoff Statement (Secondary Mortgage Loans) | The licensee must advise any person designated by the borrower of the amount of the outstanding balance of the obligation secured by the secondary mortgage granted to the licensee no later than the second business day after the licensee receives a request for the information. |
The Banking Law of Connecticut / Conn. Gen. Stat. Ann. §49-8(a) | Release of Mortgage | A mortgagee must execute and deliver a release to the extent of the satisfaction tendered before or against receipt of the release: (1) upon the satisfaction of the mortgage; (2) upon a bona fide offer to satisfy the same in accordance with the terms of the mortgage deed upon the execution of a release; (3) when the parties in interest have agreed in writing to a partial release of the mortgage where that part of the property securing the partially satisfied mortgage is sufficiently definite and certain; or (4) when the borrower has made a bona fide offer in accordance with the terms of the mortgage deed for the partial satisfaction on the execution of the partial release. Secondary Mortgage Loans - A licensed mortgage lender, correspondent lender or mortgage broker must deliver to the borrower a release of a secondary mortgage: (1) upon receipt by the licensee of cash or a certified check in the amount of the outstanding balance of the obligation secured by the mortgage; or (2) upon payment by the payor bank of any check that is payable to the licensee or its assignee in the amount of the outstanding balance of the obligation secured by the mortgage. |
The Banking Law of Connecticut / Conn. Gen. Stat. Ann. §36a-719e | Schedule of Fees (Assigned Loans) | Upon assignment of servicing rights on a residential mortgage loan, the mortgage servicer must disclose to the mortgagor: (1) any notice required by RESPA; and (2) a schedule of the ranges and categories of its costs and fees for its servicing-related activities, which must comply with state and federal law. |
| The Banking Law of Connecticut / Conn. Gen. Stat. Ann. §36a-498b(b) | Subordinate Lien Loan Payoff Request | The licensee must advise any person designated by the borrower of the amount of the outstanding balance of the obligation secured by the secondary mortgage granted to the licensee no later than the 2nd business day after the licensee receives a request for the information. |
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