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The federal government’s top regulators announced Wednesday that they are collectively resuming mortgage servicing supervisory and enforcement practices in full, ending certain flexibilities it offered mortgage servicers at the onset of the Covid-19 pandemic.

The announcement comes as servicers negotiate with over one million borrowers exiting forbearance plans. Servicers are now expected to fully comply with the rules spelled out in Regulation X, which protects consumers when they apply for and have mortgage loans, the regulators said.

In April 2020, the agencies said they would not take action against servicers for failing to meet certain timing requirements in the regulation – for example, a five-day acknowledgment notice in loss mitigation cases – so long as servicers made good-faith efforts, took the related actions, and helped borrowers within a reasonable period of time.