I'm not well versed on HAFA, but if it is some sort of regulation regarding DIL of foreclosure, specifically making it more attractive or forcing banks to allow it, I think you are looking at this the wrong way.

In the system we have the contract between insured (individual) and insurer (private insurance company) is regulated by the government via state departments of insurance.

The Department of Financial Regulations is cracking down on Loan Modifications and Short Sales in Florida.

I would check into the regulations about that outhouse.

I would add that government regulation probably has quite a bit to do with companies outsourcing over seas, as well.

Such partnerships are governed by both state and federal regulations, and those regulations are actively enforced.

Their numbers are closely watched and fishing is tightly regulated.

A number of cases have been sucessfully argued in Texas courts that the foreclosure sold at such a low price because the trustee did not conduct a proper sale or that all rules, regulations etc. were not followed by the trustee.

As a landlord, I have made the mistake in the past of not staying aware of regulations.

As we all know, New rules, regulations are a daily occurrence in this market.