Modifying a non-performing note

[Anh N.]

Hi!

I recently attended a meetup where the speaker said that if you buy non-performing note, you can work with the borrower to modify the note so they will start paying again.  But then she said you can't change the terms or sign a contract for a new loan with the borrower because it may violate the safety act.  I had to leave early and couldn't ask for clarification.  Can someone please clarify what she meant by that?  Doesn't modification require changing loan terms and having the borrower sign a contract agreeing to the new terms?  Thanks!