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09.03.12 - Financial Regulation - Pending Regulations

 

PROPOSED ACTION ON REGULATIONS
MARYLAND REGISTER, VOLUME 39, ISSUE 21,
FRIDAY, OCTOBER 19, 2012

Subtitle 03 COMMISSIONER OF FINANCIAL REGULATION

09.03.12 Foreclosure Procedures for Residential Property

Authority: Real Property Article, §7-105.1[(c)(4) and (d)(2)(vii)], Annotated Code of Maryland

Notice of Proposed Action
[12-289-P]

The Commissioner of Financial Regulation proposes to repeal existing Regulations .01—.03 and adopt new Regulations .01—.12 under COMAR .09.03.12 Foreclosure Procedures for Residential Property.

At this time, the Commissioner of Financial Regulation is also withdrawing the repeal of existing Regulations .01—.03 and new Regulations .01—.12 under COMAR .09.03.12 Foreclosure Procedures for Residential Property, as proposed in 38:21 Md. R. 1289—1292 (October 7, 2011).

Statement of Purpose

The purpose of this action is to provide procedures for foreclosure of residential property as required by Ch. 485, Acts of 2010; Ch. 355, Acts of 2011; and, Ch. 156, Acts of 2012. These proposed regulations incorporate the changes to the law made in 2012 regarding the prefile mediation process and provide form documents as directed by the General Assembly in Ch. 156.

Comparison to Federal Standards

There is no corresponding federal standard to this proposed action.

Estimate of Economic Impact

I. Summary of Economic Impact. This regulation has minimal economic impact on the secured party or lender of $350 for each borrower, which is the prefile mediation fee. However, under the regulations, the secured party may pass any part or all of the fee to the borrower.

 
Revenue (R+/R-)
 
II. Types of Economic
Impact.
Expenditure
(E+/E-)
Magnitude

A. On issuing agency:
    Revenue from new fees
NONE  
 
B. On other State agencies:
  (1) Office of Administrative Hearings (OAH)

  (2) Dept. of Housing & Community Development
(E+)



NONE
$378,309
 
C. On local governments: NONE
Benefit (+)
Cost (-)
Magnitude

D. On regulated industries or trade groups:
$350 prefile mediation fee
(+) $350
E. On other industries or trade groups: NONE
 
F. Direct and indirect effects on public: NONE Various
 

III. Assumptions. (Identified by Impact Letter and Number from Section II.)

B(1). OAH reports that it would need to increase its appropriation in reimbursable and special funds to cover the anticipated costs associated with the implementation of this regulation. $242,483 would be needed reduce the current turnover which would enable OAH to fill two vacant reimbursable fund ALJ PIN positions. OAH also reports that $135,826 would be needed to increase current special fund appropriations: $48K to reduce turnover for all ALJ PINS and contractual ALJ positions; $30K to construct new shelving units to handle the volume of foreclosure mediation cases; $36K to purchase new air cards for ALJ’s to utilize the Hope Loan Portal; and, $21K to purchase signature cards to be used in connection with the Hope Loan Portal during mediations.

B(2). DHCD reports that revenues may increase as a result of prefile mediations but also reports that post file mediations may decrease by the same amount. Therefore, it is unclear what fiscal impact this regulation will have on special fund revenues with any certainty.

D. It is difficult to estimate the number of requests for prefile mediation. Therefore, reasonable estimates of the costs to the lending industry are difficult to determine. There is a benefit to a successful prefile mediation to both the troubled borrower and secured party by allowing a homeowner to stay in the home and, presumably, make loan payments on the mortgage. The $350 prefile mediation fee may be passed on to the borrower which is a positive effect for the industry.

F. Successful prefile mediation will benefit troubled homeowners, mortgage lenders, secured parties, and the public in general by allowing homeowners to stay in their homes and avoid foreclosure. Although the secured party may pass on the prefile mediation fee to the borrower, an agreement to assist the borrower will outweigh this cost. All neighborhoods benefit from successful mediation. It is difficult to estimate the savings of this program.

Economic Impact on Small Businesses

The proposed action has minimal or no economic impact on small businesses.

Impact on Individuals with Disabilities

The proposed action has no impact on individuals with disabilities.

Opportunity for Public Comment

Comments may be sent to Cara Stretch, Director of Foreclosure Outreach, Department of Labor, Licensing, and Regulation, 500 North Calvert Street, Baltimore, MD 21202, or call 410-230-6099, or email to finregregulations@dllr.state.md.us, or fax to 410-333-0475. Comments will be accepted through November 19, 2012. A public hearing has not been scheduled.

NOTE: All appendices referenced in this chapter appear at the end of the Proposed Action on Regulations section of this issue of the Maryland Register.

.01 Definitions.
  A. In this chapter, the following terms have the meanings indicated.
  B. Terms Defined.
    (1) “Addressed envelope” means:
      (a) An envelope that is preprinted with the address where it should be delivered;
      (b) An envelope that contains a label with a preprinted address where it should be delivered; or
      (c) An envelope with a window that will accommodate a visible preprinted cover page that contains an address where the envelope should be delivered with instructions on how to use the cover page to display the address.
    (2) “Administrative law judge” has the meaning stated in COMAR 28.02.01.02(B)(1).
    (3) “Borrower” means:
      (a) A mortgagor; or
      (b) A grantor of a deed of trust.
    (4) “Commissioner” means the Commissioner of Financial Regulation in the Department of Labor, Licensing, and Regulation.
    (5) “Date of default” means the first calendar day after the borrower has failed to meet the borrower’s obligations under the terms of the debt instrument where the debt instrument characterizes that failure as a default.
    (6) “Debt instrument” means an agreement, promissory note, or other evidence of a mortgage loan.
    (7) “Final loss mitigation affidavit” has the meaning stated in Real Property Article, §7-105.1(a), Annotated Code of Maryland.
    (8) “Foreclosure mediation” has the meaning stated in Real Property Article, §7-105.1(a), Annotated Code of Maryland.
    (9) “Housing counseling services” has the meaning stated in Real Property Article, §7-105.1(a), Annotated Code of Maryland.
    (10) Inspection.
      (a) “Inspection” means a limited nonintrusive examination to determine occupancy status of a property.
      (b) “Inspection” may include, but is not limited to:
        (i) Physical survey of the property; or
        (ii) Review of loan documents, recorded instruments, court orders, public records, photos taken upon physical survey of the property, or other documents identifying loan type or ownership.
    (11) “Loss mitigation analysis” has the meaning stated in Real Property Article, §7-105.1(a), Annotated Code of Maryland.
    (12) “Loss mitigation program” has the meaning stated in Real Property Article, §7-105.1(a), Annotated Code of Maryland.
    (13) “Mediator” means the administrative law judge within the Office of Administrative Hearings who will serve as the neutral third party in a foreclosure mediation.
    (14) “Mortgage lender licensee” means a person licensed under Financial Institutions Article, §§11-501—11-524, Annotated Code of Maryland.
    (15) “Mortgage loan” means any loan or extension of credit secured by residential property.
    (16) “Mortgage loan originator licensee” means an individual licensed under Financial Institutions Article, §§11-601—11-618, Annotated Code of Maryland.
    (17) Owner-Occupied Residential Property.
      (a) “Owner-occupied residential property” has the meaning stated in Real Property Article, §7-105.1(a), Annotated Code of Maryland.
      (b) “Owner-occupied residential property” does not include property secured by mortgage loans or other debt instruments if the borrower is:
        (i) One or more persons who have made a written statement in connection with the original loan application that the loan is for business or investment purposes;
        (ii) A corporation;
        (iii) A limited liability company;
        (iv) A joint venture; or
        (v) A partnership or a limited partnership.
    (18) “Person” has the meaning stated in Financial Institutions Article, §11-501(p), Annotated Code of Maryland.
    (19) “Postfile mediation” has the meaning stated in Real Property Article, §7-105.1(a), Annotated Code of Maryland.
    (20) “Prefile mediation” has the meaning stated in Real Property Article, §7-105.1(a), Annotated Code of Maryland.
    (21) “Preliminary loss mitigation affidavit” has the meaning stated in Real Property Article, §7-105.1(a), Annotated Code of Maryland.
    (22) “Record owner” has the meaning stated in Maryland Rule 14-202(n).
    (23) Representative of the Secured Party.
      (a) “Representative of the secured party” means a person who has representative authority to perform the duties and responsibilities of the secured party.
      (b) “Representative of the secured party” does not include an attorney acting solely as legal counsel on behalf of the secured party or on behalf of the representative of the secured party, unless specifically authorized to perform the duties and responsibilities of the secured party.
      (c) “Representative of the secured party” includes an attorney acting as trustee under a deed of trust.
    (24) “Residential property” has the meaning stated in Real Property Article, §7-105.1(a), Annotated Code of Maryland.
    (25) “Secured party” has the meaning stated in Maryland Rule 14-202(q).
    (26) Single Family Dwelling Unit.
      (a) “Single family dwelling unit” means a structure principally designed for the residential habitation of one family.
      (b) “Single family dwelling unit” includes an individual residential condominium unit within a larger structure or complex, regardless of the total number of individual units in that structure or complex.
      (c) “Single family dwelling unit” does not include a structure that:
        (i) Is not intended, and has never been used, for human habitation; or
        (ii) Is intended for human habitation and has never been occupied and for which a use and occupancy permit, if required, has never been issued.

.02 Notice of Intent to Foreclose.
  A. Subject to §§E and F of this regulation, a person required to send a notice of intent to foreclose under Real Property Article, §7-105.1, Annotated Code of Maryland, shall send a notice of intent to foreclose, which shall fully conform with §B, C, or D of this regulation.
  B. Owner-Occupied Residential Property.
    (1) Subject to §C of this regulation, a notice of intent to foreclose on owner-occupied residential property shall be in a form substantially similar to that in:
      (a) Appendix A of this chapter; or
     (b) With respect to a notice of intent to foreclose from a secured party offering prefile mediation, Appendix A-1 of this chapter, as follows:
        (i) Appendix A-1 shall be accompanied in the same envelope or package by the packets of documents and forms substantially similar to Schedule 1 (Prefile Mediation Packet) and Schedule 2 (Loss Mitigation Packet) of Appendix A-1 of this chapter.
       (ii) Each of the documents and forms constituting Appendix A-1, Schedule 1, and Schedule 2 as required under subparagraph (i) of this paragraph shall be in the sequence of documents and forms presented in Appendix A-1, Schedule 1, and Schedule 2, respectively. Appendix A-1 shall be the first in the sequence. Schedule 1 shall be the second in the sequence and shall be directly behind Appendix A-1. Schedule 2 shall be the third in the sequence and shall be directly behind Schedule 1. Appendix A-1, Schedule 1, and Schedule 2 shall be separated from each other by any reasonable method that ensures that the borrower can identify the forms and documents constituting each of Appendix A-1, Schedule 1, and Schedule 2.
        (iii) The Loss Mitigation Application and Instruction required in Schedule 2 of Appendix A-1 may be in the form authorized under Regulation .06 of this chapter.
    (2) For purposes of the notice set forth in §B(1) of this regulation, the names and license numbers of mortgage lender licensees and mortgage loan originator licensees are required to be included in the notice only if this information is included on or recorded with the security instrument securing the mortgage loan related to the notice, or is otherwise known to the person sending the notice. If the mortgage lender was exempt from licensure under Financial Institutions Article, §11-501 et seq., Annotated Code of Maryland, at the time the mortgage loan was made, then a mortgage lender license number is not required under this section. If the mortgage loan originator was exempt from licensure under Financial Institutions Article, §11-601 et seq., Annotated Code of Maryland, at the time the mortgage loan was originated, then a mortgage lender license number is not required under this section.
     (3) The notice of intent to foreclose may include a separate addendum, sequenced at the end of the notice of intent to foreclose, with additional information, a notice, or advice relating to default that is required in advance of commencement of a foreclosure by a covenant of the deed of trust or mortgage that is the subject of the notice, or by the servicer, investor, insurer, or government regulator guidelines applicable to the deed of trust or mortgage that is the subject of the notice, provided the additional information, notice, or advice does not contradict any information required to be contained in the notice of intent to foreclose.
    (4) The notice of intent to foreclose shall be accompanied in the same envelope or package by:
      (a) A loss mitigation application for loss mitigation programs that are applicable to the loan secured by the mortgage or deed of trust that is the subject of the notice. If the secured party does not have its own loss mitigation application, the secured party shall use the form of loss mitigation application set forth in Regulation .06 of this chapter;
      (b) Instructions for completing the loss mitigation application with a telephone number to call to confirm receipt by the secured party, or representative of the secured party, of the completed application;
      (c) A description of the eligibility requirements for the loss mitigation programs offered by the secured party that may be applicable to the loan secured by the mortgage or deed of trust that is the subject of the notice. If the mortgage loan is owned, securitized, insured, or guaranteed by the Federal National Mortgage Association, Federal Home Loan Mortgage Corporation, or Federal Housing Administration, or if the servicing agent is participating in the federal Making Home Affordable Modification Program (also known as “HAMP”), providing documentation to the borrower as required by those programs satisfies the requirement to provide a description of the eligibility requirement for the applicable loss mitigation program; and
      (d) An addressed envelope in conformity with Regulation .07 of this chapter addressed to the person (an individual, a group of individuals, or a department such a “loss mitigation department”) responsible for conducting the loss mitigation analysis on behalf of the secured party for the mortgage loan.
  C. If the basis for the authority to foreclose on the owner-occupied residential property is a homeowners’ association lien, condominium association lien, mechanic’s lien, a similar statutory or contractual lien, or a basis other than a mortgage loan default, a notice of intent to foreclose shall be in a form substantially similar to that in Appendix B of this chapter.
  D. Not an Owner-Occupied Residential Property.
    (1) A notice of intent to foreclose on residential property that is not an owner-occupied residential property shall be in a form substantially similar to that in Appendix C of this chapter.
    (2) A notice of intent to foreclose under §D(1) of this regulation shall be sent to the borrower and record owner only if the secured party, or representative of the secured party, has a reasonable belief that the residential property is not owner-occupied residential property.
    (3) If the borrower or record owner contests the determination that the residential property is not owner-occupied residential property, and it is determined that the residential property is owner-occupied residential property, the secured party shall send the appropriate notice of intent to foreclose in compliance with Real Property Article, §7-105.1, Annotated Code of Maryland, and this regulation.
  E. Filing Electronically. A person required to send the Commissioner a copy of a notice of intent to foreclose under Real Property Article, §7-105.1, Annotated Code of Maryland, shall meet that requirement by making an electronic submission within 5 business days of mailing a notice of intent to foreclose through the Commissioner’s Notice of Intent to Foreclose Electronic System (the “System”). The System is located at https://www.dllr.state.md.us/NOI/web/content/Home.aspx; a link is also available on the Commissioner’s website at http://www.dllr.state.md.us/finance.
  F. The secured party, or representative of the secured party, shall include all information required in a form provided for under §B, C, or D of this regulation in the spaces indicated by brackets and blank lines.
  G. The Commissioner shall retain an electronic copy of all submissions made on the System for at least 6 months.

.03 Preliminary Loss Mitigation Affidavit.
  A. Subject to §B of this regulation, a preliminary loss mitigation affidavit required by Real Property Article, §7-105.1(h)(3), Annotated Code of Maryland, and this chapter shall be in a form substantially similar to that in Appendix D of this chapter.
  B. The secured party, or representative of the secured party, shall include all information required in the form provided for under §A of this regulation in the spaces indicated by blank lines.

.04 Final Loss Mitigation Affidavit.
  A. Subject to §B of this regulation, a final loss mitigation affidavit required by Real Property Article, §7-105.1(h)(4), Annotated Code of Maryland, and this chapter shall be in a form substantially similar to that in Appendix E of this chapter.
  B. The secured party, or representative of the secured party, shall include all information required in the form provided for under §A of this regulation in the spaces indicated by blank lines.

.05 Postfile Foreclosure Mediation.
  A. Subject to §B of this regulation, a request for postfile mediation required by Real Property Article, §7-105.1(h)(4), Annotated Code of Maryland, and this chapter shall be in a form substantially similar to that in Appendix F of this chapter.
  B. The secured party, or representative of the secured party, shall include all information required in the form provided for under §A of this regulation in the spaces indicated by blank lines.

.06 Loss Mitigation Application and Instructions.
A secured party, or representative of the secured party, that does not have its own loss mitigation application shall use a loss mitigation application in a form substantially similar to that in Appendix G of this chapter.

.07 Addressed Envelope.
  A. The following addressed envelopes are required by this chapter and shall be in the form and include the information set forth in this regulation.
  B. Required Addressed Envelopes.
    (1) An addressed envelope accompanying the Notice of Intent to Foreclose shall be directed to the person responsible for conducting loss mitigation analysis on behalf of the secured party (the person may be an individual, a group of individuals, or a department such as a “loss mitigation department”).
    (2) An addressed envelope accompanying the Preliminary Loss Mitigation Affidavit (if applicable) shall be directed to the foreclosure attorney handling the foreclosure on behalf of the secured party.
    (3) The two addressed envelopes accompanying the Final Loss Mitigation Affidavit shall include:
      (a) In the case of the addressed envelope to be mailed to the clerk of the court with a request for postfile mediation:
        (i) The address of the Clerk of the Court; and
        (ii) The words “Request for Foreclosure Mediation” on the face of the addressed envelope in at least 14-point bold type; and
      (b) For the addressed envelope to be mailed to the foreclosure attorney in connection with a request for postfile mediation, the address of the foreclosure attorney handling the foreclosure on behalf of the secured party.
  C. A copy of any addressed envelope described in this regulation need not be filed with the Clerk of the Court.
  D. A secured party or representative of a secured party may include with Appendix A-1 addressed envelopes for any necessary notices or mailings by the borrower.

.08 Notice of Filing.
  A. Notice of Filing to Accompany a Preliminary Loss Mitigation Affidavit.
    (1) A form substantially similar to that in Appendix H-1 of this chapter shall be used to comply with the notice of filing requirement when accompanying a preliminary loss mitigation affidavit, as well as an order to docket or complaint to foreclose, as required by Real Property Article, §7-105.1, Annotated Code of Maryland.
    (2) The form used under this regulation to comply with the notice of filing requirement to accompany a preliminary loss mitigation affidavit shall be the first in the sequence of papers and documents in the packet sent to the borrower.
    (3) The preliminary loss mitigation affidavit shall be the second in the sequence of papers and documents in the packet sent to the borrower and shall be directly behind the form used under this section.
    (4) The remainder of the papers and documents in the packet sent to the borrower may be in any other sequence.
    (5) The sequence requirements of §A(2) and (3) of this regulation apply only to the papers and documents sent to the borrower.
  B. Notice of Filing to Accompany a Final Loss Mitigation Affidavit.
    (1) A form substantially similar to that in Appendix H-2 of this chapter shall be used to comply with the notice of filing requirement when accompanying a final loss mitigation affidavit and the form used under this chapter to request postfile mediation, as well as an order to docket or complaint to foreclose, as required by Real Property Article, §7-105.1, Annotated Code of Maryland.
    (2) The form used under this section to comply with the notice of filing requirement to accompany a final loss mitigation affidavit shall be the first in the sequence of papers and documents in the packet sent to the borrower, and shall be on yellow paper.
    (3) The form used under this chapter to request postfile mediation shall be the second in the sequence of papers and documents in the packet sent to the borrower and shall be directly behind the form used under §A of this regulation.
    (4) The final loss mitigation affidavit shall be the third in the sequence of papers and documents in the packet sent to the borrower and shall be directly behind the form used under this chapter to request postfile mediation.
    (5) The remainder of the papers and documents in the packet sent to the borrower may be in any other sequence.
    (6) The sequence requirements of §B(2), (3), and (4) of this regulation apply only to the papers and documents sent to the borrower.
  C. Notice of Filing with Respect to Borrowers Who Have Participated in Prefile Mediation.
    (1) A form substantially similar to that in Appendix H-3 of this chapter shall be used to comply with the notice of filing requirement when accompanying an order to docket or complaint to foreclose for owner-occupied residential property with respect to which the borrower has participated in prefile mediation that has not resulted in a prefile mediation agreement, as required by Real Property Article, §7-105.1, Annotated Code of Maryland.
    (2) A form substantially similar to that in Appendix H-4 of this chapter shall be used to comply with the notice of filing requirement when accompanying an order to docket or complaint to foreclose for owner-occupied residential property with respect to which the borrower has participated in prefile mediation that has resulted in a prefile mediation agreement, as required by Real Property Article, §7-105.1, Annotated Code of Maryland.
  D. Notice of Filing for Non Owner-Occupied Properties. A form substantially similar to that in Appendix H-5 of this chapter shall be used to comply with the notice of filing requirement when accompanying an order to docket or complaint to foreclose with respect to a property that is not an owner-occupied residential property, as required by Real Property Article, §7-105.1, Annotated Code of Maryland.

.09 Prefile Mediation Process.
  A. A borrower who elects to accept a secured party’s offer to participate in prefile mediation in accordance with Real Property Article §7-105.1, Annotated Code of Maryland, shall send to the secured party or the identified representative of the secured party the completed and signed application for prefile mediation included in Schedule 1 to Appendix A-1 within 25 days after the date on which the notice of intent to foreclose was mailed by the secured party. The instructions for the prefile mediation application shall include a telephone number to confirm receipt by the secured party or the secured party’s representative of the application.
  B. Within 5 business days after the date on which the secured party or the identified representative of the secured party receives an application for prefile mediation from a borrower, the secured party or the representative of the secured party shall notify the Office of Administrative Hearings that the borrower has submitted an application for prefile mediation. The notification shall be in a form substantially similar to that in Appendix I.
  C. The obligation of the Office of Administrative Hearings to schedule a mediation session arises upon the receipt of notice from the secured party required under §B of this regulation.
  D. The Office of Administrative Hearings shall conduct the mediation session within 60 days after the receipt of the notice required under §B of this regulation from the secured party unless a postponement, requested in accordance with Appendix OAH-2 of this chapter, is granted.
  E. The total fee for prefile mediation is $350. In accordance with instructions from the Department of Housing and Community Development, the secured party shall pay the full amount of the $350 prefile mediation fee to the Housing Counseling and Foreclosure Mediation Fund established under Housing and Community Development Article, §4-507, Annotated Code of Maryland. The secured party may elect to pay the prefile mediation fee on behalf of the homeowner or collect all or any portion of the $350 fee as part of the resolution of the mortgage loan through prefile mediation or foreclosure, as applicable.

.10 Office of Administrative Hearings.
  A. Borrower Information Worksheet and Instructions.
    (1) With respect to a scheduled prefile mediation session, the Office of Administrative Hearings shall provide the Borrower(s) Information Worksheet and the instructions regarding the documents and information that must be provided by each party to the other and to the Office of Administrative Hearings in a form substantially similar to that in Appendix OAH-1 of this chapter.
    (2) With respect to a scheduled postfile mediation session, the Office of Administrative Hearings shall provide the Borrower(s) Information Worksheet and the instructions regarding the documents and information that must be provided by each party to the other and to the Office of Administrative Hearings in a form substantially similar to that in Appendix OAH-2 of this chapter.
  B. Housing Counseling.
    (1) The certification of housing counseling shall be in the form, and shall be delivered to the Office of Administrative Hearings at the time, required by COMAR 05.19.02.02.
    (2) At the option of the secured party, a borrower who fails to deliver the housing counseling certification may sign a borrower certification of housing counseling in a form substantially similar to that in Appendix OAH-5 of this chapter.
    (3) At the option of the secured party, the secured party may waive the housing counseling certification at the prefile mediation session by signing the waiver of housing counseling in a form substantially similar to that in Appendix OAH-6 of this chapter.
    (4) Housing counseling services provided in accordance with Real Property Article, §7-105.1(d)(10), Annotated Code of Maryland, shall comply with the National Industry Standards for Foreclosure Counseling created by the Advisory Council for the National Industry Standards for Homeownership Education and Counseling.
  C. Mediation Checklist.
    (1) The mediation checklist required by Real Property Article, §7-105.1(d)(10), Annotated Code of Maryland, to be used in a prefile mediation shall be in a form substantially similar to that in Appendix OAH-3 of this chapter and may, as applicable, include Appendix OAH-5 or Appendix OAH-6.
    (2) The mediation checklist required by Real Property Article, §7-105.1(l), Annotated Code of Maryland, to be used in a postfile mediation shall be in a form substantially similar to that in Appendix OAH-4 of this chapter.
  D. Designee Language. Each mediation agreement resulting from prefile mediation shall include the following statements in 14 point, bold type:
[Name of borrower] is not entitled to postfile mediation unless otherwise agreed in this agreement.
[Name of borrower] may call [Insert name and address of designee] to report a change of financial circumstances that could affect [name of borrower’s] ability to carry out the terms of this agreement.
  E. Appearance.
    (1) At a scheduled foreclosure mediation, the secured party, or a representative of the secured party, shall be present in person or by telephonic means for the entirety of the foreclosure mediation in accordance with COMAR 28.02.01.20B.
    (2) If the secured party, or a representative of the secured party, fails to appear for the entirety of the foreclosure mediation, then the secured party shall be deemed to have failed to appear pursuant to COMAR 28.02.01.23.
    (3) In the case of postfile mediation, if the mediator determines that a party fails to appear at a scheduled foreclosure mediation, then the mediator shall file a notice with the appropriate circuit court stating such a finding.
  F. Filing Electronically. The Commissioner may allow the submission of information and documents required for the foreclosure mediation under this regulation by an electronic method.

.11 Time. 
In computing any period of time prescribed by this chapter, Maryland Rule 1-203 shall apply.

.12 Filing of Duplicate Forms.
Any affidavit, application, or other form submitted to a circuit court as required by this chapter may be a duplicate of the original affidavit, application, or other form.

ANNE BALCER NORTON
Deputy Commissioner of Financial Regulation