COVID-19 INFORMATION

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In its effort to prevent the spread of the COVID-19 virus, and in order to keep up to date on all mandates, Wright, Finlay & Zak, LLP (“WFZ”) continues to monitor the latest COVID-19 developments from the Link to https://www.cdc.govLink to https://www.cdc.govLink to https://www.cdc.govLink to https://www.cdc.govLink to https://www.cdc.govLink to https://www.cdc.govLink to https://www.cdc.govLink to https://www.cdc.govLink to https://www.cdc.govLink to https://www.cdc.govLink to https://www.cdc.govLink to https://www.cdc.govLink to https://www.cdc.govLink to https://www.cdc.govLink to https://www.cdc.govLink to https://www.cdc.govLink to https://www.cdc.govLink to https://www.cdc.govLink to https://www.cdc.govLink to https://www.cdc.govLink to https://www.cdc.govLink to https://www.cdc.govLink to https://www.cdc.govLink to https://www.cdc.govLink to https://www.cdc.govLink to https://www.cdc.govLink to https://www.cdc.govLink to https://www.cdc.govLink to https://www.cdc.govLink to 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And, in order to provide for the safety of our employees while maintaining continued business operations, we have implemented applicable provisions of our Continuity and Recovery Plan (CRP).

Most critically, our CRP includes the immediate implementation of remote work access for all firm attorneys and management, and other key staff. These employees are equipped to securely work from their respective homes to ensure the continuity of business operations and the high level of service we provide to our clients. As the situation evolves, such that it would negatively impact one or more of our office locations, our Operations Manager is equipped to enable more employees as needed to securely work from their respective homes. Currently, most of WFZ's employees are working from home. Any WFZ employee still working in the office(s) must follow the recommendations of the CDC, WHO, and government agencies for preventive action and social distancing.

WFZ regularly communicates with its employees on taking the necessary precautions, such as limiting or eliminating unnecessary business travel, utilizing telephonic court appearances, eliminating inter-office gatherings, distancing at least 6’, recommending that employees stay at home if they feel ill or are exhibiting cold symptoms, coughing/sneezing into elbow, avoiding hand shaking, and exhibiting proper hand-washing and sanitation practices.

At this time, WFZ is not granting access to our suites to outside visitors, and even essential vendors (e.g., mail, FedEx, office suppliers, etc.) are prohibited from accessing our work areas. Drop offs are limited to either reception or outside the office doors. The firm also tracks its vendors’ continuity plans.

Although there have been no suspected or confirmed cases of COVID-19 on WFZ employees, WFZ continues to take aggressive action to safeguard its employees while continuing to provide quality legal services to our clients. Please check back for updates as this situation continues to unfold. If you have any questions, please feel free to contact Link to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to 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mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netRobin Wright.

UPDATED: April 17, 2020


Wright, Finlay & Zak's COVID-19 Update: May 27, 2020

May 27, 2020

As with our prior notifications regarding the impact of COVID-19-related issues, the situation continues to be fluid when it comes to servicing of loans, the management of default and REO assets and litigation in the court systems. Below is an update on the latest state and local developments throughout the Western U.S. In addition, this update includes a summary of the City of Pomona’s Foreclosure and Eviction Moratoria. As with all our updates, please keep in mind that additional orders and directives are being considered and issued by state and local jurisdictions as we speak, and we will continue to monitor all channels to provide you with updated information as it becomes available. Thanks, everyone.

Fannie Mae Provides Additional Detail on Two Payment Deferral Options
Effective July 1, 2020, servicers have two new payment deferral options for homeowners who have resolved financial hardship but are not able to reinstate or set up a repayment plan. On May 27, 2020, Fannie Mae issued updates to Lender Letter 2020-05 and Lender Letter 2020-07 and provided a Payment Deferral Matrix to describe and compare the two options.

City of Pomona, California Eviction & Foreclosure Moratoria Order Expires May 31, 2020 But Has Lingering Impact
Similar to the City of Santa Ana in California, on March 19, 2020, the City of Pomona issued an Order prohibiting evictions and foreclosures as against tenants and borrowers with a demonstrated impact by the COVID-19 Pandemic. With respect to evictions, Sections 2 and 3 of the Order contain a temporary moratorium on residential and commercial evictions based on non-payment of rent by tenants Impacted by the COVID-19 Crisis and allows the tenant up to six months following the expiration of the local emergency to repay the past due rent. The landlord is prohibited from serving a notice to vacate/quit or filing an unlawful detainer complaint “if the tenant, within 30 days after the date that rent is due, notifies the landlord in writing of lost income and inability to pay full rent due to financial impacts related to COVID-19, and provides documentation to support the claim.” With respect to foreclosure activity, the Order provides:

“SECTION 4. Temporary Suspension on Residential and Commercial Foreclosures.

A. No foreclosure action against a property owner shall be initiated or proceed during the period of declared local emergency in the City of Pomona for any mortgagor with a demonstrated financial impact related to COVID-19. Nothing in this order shall relieve the mortgagor of liability for any unpaid mortgage payments, which the mortgagee may seek after expiration of the local emergency and the mortgagor must pay within six months of the expiration of the local emergency, unless a different time is agreed to between the parties. The respective rights and obligations of the parties in any foreclosure proceeding shall be adjudicated in the appropriate court of law with jurisdiction over the matter at the conclusion of the local emergency or rescission of this order.”

This Order uses language similar to the City of Santa Ana’s Order, does not contain any details in the foreclosure section as to how a borrower is required to “demonstrate” a financial impact related to CIVID-19, allows the borrower up to six months following the expiration of the emergency to pay the past due payments, and appears to require even non-judicial foreclosures to be adjudicated by a court with respect to the ability to proceed following the conclusion of the local emergency. Despite the potential federal preemption defenses as to certain federal financial institutions and constitutional issues, the Pomona Order increases the likelihood of a borrower challenging existing default and foreclosure proceedings in the city, for up to six months after the local emergency is terminated. Click here to review a copy of the Order, which is currently scheduled to expire on May 31, 2020. We are continuing to monitor for any extension by the City, and if extended, we will provide a further update.

Updates on Court Operations Limitations and Closures
Click here to see an updated chart identifying information and website links for the status of Court Closures and Operations Limitations for the states of Arizona, California, Nevada, Oregon, Utah and Washington.

Due to the constantly changing situation, the above and the attached may not be a comprehensive list of closures and impacts. Keep checking this website for the latest developments in our states. If you have additional questions or concerns regarding these important matters, please feel free to contact Robin Wright, Michelle Mierzwa or Robert Finlay.


Wright, Finlay & Zak's COVID-19 Update: May 26, 2020

May 26, 2020

As with our prior notifications regarding the impact of COVID-19-related issues, the situation continues to be fluid when it comes to servicing of loans, the management of default and REO assets and litigation in the court systems. Below is an update on the latest state and local developments throughout the Western U.S. In addition, this update includes a summary of the Montana Governor’s Updated Limitations to Foreclosure and Eviction Moratoria. As with all our updates, please keep in mind that additional orders and directives are being considered and issued by state and local jurisdictions as we speak, and we will continue to monitor all channels to provide you with updated information as it becomes available. Thanks, everyone.

FHA Suspends Special Live Webcast: An Interagency Discussion Regarding the COVID-19 National Emergency
The Federal Housing Administration (FHA) issued a message retracting FHA INFO #20-34 that published on May 22, 2020. Registration for the event has been suspended. FHA had previously announced a live, virtual interagency discussion in response to the COVID-19 National Emergency, which was to occur on June 4, 2020. If we obtain information regarding the rescheduling of this event we will provide an update.

Montana Limits Existing Foreclosure and Eviction Moratoria Directives
On May 19, 2020, Montana’s Governor issued an updated Directive on the Continued Reopening of Montana. As previously reported, the Governor had issued Directives extending the eviction and foreclosure moratoria in the state to May 24, 2020. According to the May 19th Directive, “The March 30 and April 13 Directives providing measures to limit foreclosures, evictions, and disconnections from service and all of their terms remain in effect through May 24, unless modified by subsequent Directive, except as follows:

  • For individuals who are members of a vulnerable population, who have suffered a significant financial hardship as a result of the outbreak, and who, pursuant to this Directive, remain sheltered at home, the protections of the March 30 and April 13 Directives continue and will expire 30 days after the individual ceases to shelter at home or at the end of the emergency, whichever is sooner.
  • An individual who seeks the protection of these provisions to prevent a foreclosure, eviction, or disconnection after June 1 must make a basic showing to their bank, landlord, or utility that they are (1) sheltering in place under this order, are (2) a member of a vulnerable population, and (3) have been financially impacted as a result of the COVID-19 outbreak.
  • Before moving forward with an eviction, foreclosure, or disconnection against an individual who is a member of a vulnerable population, the entity initiating the eviction, foreclosure, or disconnection must provide adequate notice of the opportunity to seek the protection of this Directive by making the showing described above.”

Based on the above, foreclosures and evictions may proceed if notice of the opportunity to request COVID-19-related protections has been provided and the borrower or tenant has not provided the specified basic showing. No guidance regarding the required content or manner of the notice to be sent is given in the Directive, so notice provisions in the loan documents should be consulted. That being said, the fact-specific provisions of the remaining moratoria may be difficult to track and confirm, so a detailed case-by case analysis should be performed in conjunction with legal counsel before proceeding with respect to each loan and property asset. Link to https://covid19.mt.gov/Portals/223/Documents/Phase%20Two%20Directive%20with%20Appendices.pdfLink to https://covid19.mt.gov/Portals/223/Documents/Phase%20Two%20Directive%20with%20Appendices.pdfClick here to review a copy of the May 19th Directive.

Updates to WFZ COVID-19 Western States Foreclosure & Eviction Grid
Link to /documents/covid19/WFZ-COVID-19-Western-States-Foreclosure-Eviction-Grid.pdfLink to /documents/covid19/WFZ-COVID-19-Western-States-Foreclosure-Eviction-Grid.pdfClick here to see the WFZ COVID-19 Western States Foreclosure & Eviction Grid as of May 26, 2020 for the states of Arizona, California, Nevada, Oregon, Utah, Washington, Montana and New Mexico.

Updates on Court Operations Limitations and Closures
Link to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfClick here to see an updated chart identifying information and website links for the status of Court Closures and Operations Limitations for the states of Arizona, California, Nevada, Oregon, Utah and Washington.

Due to the constantly changing situation, the above and the attached may not be a comprehensive list of closures and impacts. Keep checking this website for the latest developments in our states. If you have additional questions or concerns regarding these important matters, please feel free to contact Link to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netRobin Wright, Link to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netMichelle Mierzwa or Link to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netRobert Finlay.


Wright, Finlay & Zak's COVID-19 Update: May 22, 2020

May 22, 2020

As with our prior notifications regarding the impact of COVID-19-related issues, the situation continues to be fluid when it comes to servicing of loans, the management of default and REO assets and litigation in the court systems. Below is an update on the latest state and local developments throughout the Western U.S. In addition, this update includes a summary of the Federal Housing Finance Agency’s announcement regarding eligibility of borrowers with COVID-related Forbearance to obtain GSE Refinance or Purchase Loans. As with all our updates, please keep in mind that additional orders and directives are being considered and issued by state and local jurisdictions as we speak, and we will continue to monitor all channels to provide you with updated information as it becomes available. Thanks, everyone.

FHFA Announces Updated Eligibility Criteria for GSE Loans Originated Following COVID-19 Forbearance
On May 19, 2020, the Federal Housing Finance Agency (“FHFA”) announced that borrowers are eligible to refinance or buy a new home if they are current on their mortgage (i.e. in forbearance but continued to make their mortgage payments or reinstated their mortgage). A borrower is eligible to refinance or obtain a new purchase loan three months after the forbearance ends and three consecutive payments have been made under the repayment plan, payment deferral option or loan modification. Fannie Mae and Freddie Mac also issued announcements regarding the updated guidance. Link to https://singlefamily.fanniemae.com/media/22316/displayLink to https://singlefamily.fanniemae.com/media/22316/displayLink to https://singlefamily.fanniemae.com/media/22316/displayClick here to review Fannie Mae’s related updates to Lender Letter 2020-03. Link to https://guide.freddiemac.com/ci/okcsFattach/get/1003813_7Link to https://guide.freddiemac.com/ci/okcsFattach/get/1003813_7Link to https://guide.freddiemac.com/ci/okcsFattach/get/1003813_7Click here to review Freddie Mac’s related updates reissued May 22, 2020 in Bulletin 2020-17. The announcements also included a one-month extension to the sale of loans currently in forbearance to the GSEs for notes dated through June 30, 2020 and delivery by August 31, 2020. Link to https://singlefamily.fanniemae.com/media/22721/displayLink to https://singlefamily.fanniemae.com/media/22721/displayLink to https://singlefamily.fanniemae.com/media/22721/displayClick here to review Fannie Mae’s related updates to Lender Letter 2020-06. Freddie Mac’s related updates were included in Bulletin 2020-17, referenced above.

Updates on Court Operations Limitations and Closures
Link to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfClick here to see an updated chart identifying information and website links for the status of Court Closures and Operations Limitations for the states of Arizona, California, Nevada, Oregon, Utah and Washington.

Due to the constantly changing situation, the above and the attached may not be a comprehensive list of closures and impacts. Keep checking this website for the latest developments in our states. If you have additional questions or concerns regarding these important matters, please feel free to contact Link to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netRobin Wright, Link to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netMichelle Mierzwa or Link to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netRobert Finlay.


Wright, Finlay & Zak's COVID-19 Update: May 18, 2020

May 18, 2020

As with our prior notifications regarding the impact of COVID-19-related issues, the situation continues to be fluid when it comes to servicing of loans, the management of default and REO assets and litigation in the court systems. Below is an update on the latest state and local developments throughout the Western U.S. In addition, this update includes a summary of the Veterans Administration’s extension of the COVID-related Foreclosure Moratoria. As with all our updates, please keep in mind that additional orders and directives are being considered and issued by state and local jurisdictions as we speak, and we will continue to monitor all channels to provide you with updated information as it becomes available. Thanks, everyone.

Veterans Administration Announces Extension of COVID-19 Foreclosure Moratoria
On May 14, 2020, the Veterans Administration (“VA”) announced an extension of their COVID-19 foreclosure moratoria to June 30, 2020. “In light of the ongoing COVID-19 national emergency and its impact on Veteran borrowers, properties secured by VA-guaranteed loans are subject to a moratorium on foreclosure through June 30, 2020. The moratorium applies to the initiation of foreclosures, and to the completion of foreclosures in process.” Link to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_18.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_18.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_18.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_18.pdfClick here to review a copy of VA Circular 26-20-18 describing the moratorium extension.

Practical Analysis: Local County Orders
As previously reported, there have been a number of federal and state orders, and some legislation, related to the COVID-19 Pandemic that has impacted the servicing of loans and the management of REO assets. Additionally, we have warned that it is important to review any orders or ordinances that may have been enacted at a local level. One example of a particularly restrictive local order is in the City of Santa Ana. This City is located in the County of Orange, state of California. While the Orange County Stay at Home Order expired, and the state of California is in the initial stages of reopening, the Executive Order from the City of Santa Ana’s Director of Emergency Services remains in effect through May 31, 2020, or longer if extended. The Santa Ana Order contains sections limiting residential and commercial notices to vacate and evictions where the tenant notifies the landlord of a COVID-related inability to pay, and allows the tenant up to six months following the expiration of the local emergency to repay the past due rent. These rent repayment protections go beyond the existing statewide prohibition on the filing of eviction actions under the California Judicial Council’s Emergency Rules good through the end of the state-declared emergency. Another area where the Santa Ana Order is more restrictive than the County or State is the foreclosure protection provision. Currently, there is no state or county-wide prohibition on the conduct of non-judicial foreclosures in California, only a request by the Governor and the Department of Business Oversight for lenders to provide forbearance and hold off on foreclosure. Only judicial foreclosures have been temporarily prohibited by the Emergency Rules of the California Judicial Council. Some counties in the Bay Area of California have deemed foreclosure auctions a violation of the public gathering prohibitions.

Even more restrictive, the Santa Ana Order at Section 4 explicitly prohibits foreclosures as follows: “A. No foreclosure action against a property owner shall be initiated or proceed during the period of declared local emergency in the City of Santa Ana for any mortgagor with a demonstrated financial impact related to COVID-19. Nothing in this order shall relieve the mortgagor of liability for any unpaid mortgage payments, which the mortgagee may seek after the expiration of the local emergency and the mortgagor must pay within six months of the expiration of the local emergency, unless a different time is agreed to between the parties. The respective rights and obligations of the parties in any foreclosure proceeding shall be adjudicated in the appropriate court of law with jurisdiction over the matter at the conclusion of the local emergency or rescission of this order…C….No other legal remedies available to parties to any foreclosure proceeding are affected by this order. Mortgagees are strongly encouraged to offer payment plans to mortgagors to avoid foreclosure after the period of local emergency.” Despite the potential federal preemption defenses as to certain federal financial institutions, the Santa Ana Order increases the likelihood of a borrower challenging existing default and foreclosure proceedings in the city, imposes a post-emergency arrears repayment period of six months, and declares that the rights of the parties post-emergency are to be adjudicated by the courts (without providing any details as to how these issues will be brought before the courts), effectively turning non-judicial foreclosures into judicial proceedings! The Santa Ana Order is an example of the over-reaching restrictions and vague terms that can be in play in a local jurisdiction, and underscores the importance of timely research into such local orders and ordinances prior to considering commencement or completion of the default, foreclosure and eviction process in California and other states. Link to https://www.santa-ana.org/sites/default/files/housing/Housing%20Authority/COVID-19%20FAQ/March%2019%2C%202020%20Executive%20Order%20by%20%20City%20Manager%20Kristine%20Ridge.pdfLink to https://www.santa-ana.org/sites/default/files/housing/Housing%20Authority/COVID-19%20FAQ/March%2019%2C%202020%20Executive%20Order%20by%20%20City%20Manager%20Kristine%20Ridge.pdfLink to https://www.santa-ana.org/sites/default/files/housing/Housing%20Authority/COVID-19%20FAQ/March%2019%2C%202020%20Executive%20Order%20by%20%20City%20Manager%20Kristine%20Ridge.pdfLink to https://www.santa-ana.org/sites/default/files/housing/Housing%20Authority/COVID-19%20FAQ/March%2019%2C%202020%20Executive%20Order%20by%20%20City%20Manager%20Kristine%20Ridge.pdfClick here to review a copy of the Santa Ana Order.

Updates on Court Operations Limitations and Closures
Link to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfClick here to see an updated chart identifying information and website links for the status of Court Closures and Operations Limitations for the states of Arizona, California, Nevada, Oregon, Utah and Washington.

Due to the constantly changing situation, the above and the attached may not be a comprehensive list of closures and impacts. Keep checking this website for the latest developments in our states. If you have additional questions or concerns regarding these important matters, please feel free to contact Link to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netRobin Wright, Link to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netMichelle Mierzwa or Link to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netRobert Finlay.


Wright, Finlay & Zak's COVID-19 Update: May 14, 2020

May 14, 2020

As with our prior notifications regarding the impact of COVID-19-related issues, the situation continues to be fluid when it comes to servicing of loans, the management of default and REO assets and litigation in the court systems. Below is an update on the latest state and local developments throughout the Western U.S. In addition, this update includes a summary of Fannie Mae and Freddie Mac’s extension of the COVID-related Foreclosure Moratoria. As with all our updates, please keep in mind that additional orders and directives are being considered and issued by state and local jurisdictions as we speak, and we will continue to monitor all channels to provide you with updated information as it becomes available. Thanks, everyone.

Fannie Mae and Freddie Mac Announce Extension of COVID-19 Foreclosure Moratoria
On May 14, 2020, Fannie Mae and Freddie Mac announced extensions of their COVID-19 foreclosure moratoria to June 30, 2020. “During the period of the extension, servicers may not, except with respect to a vacant or abandoned property, initiate any judicial or non-judicial foreclosure process, move for a foreclosure judgment or order of sale, or execute a foreclosure sale. This suspension does not apply to mortgage loans secured by properties that have been determined to be vacant or abandoned.” In its announcement, Fannie Mae also provided clarification regarding referrals that Fannie Mae Servicing Guide, Section E-1.2-02, provides: ‘Foreclosure is considered to have begun on the date when the servicer refers the matter to a law firm.’ Accordingly, during the period of the suspension, firms should expect to receive new foreclosure referrals only for mortgage loans secured by properties that have been determined to be vacant or abandoned. Link to https://singlefamily.fanniemae.com/media/22261/display#page3Link to https://singlefamily.fanniemae.com/media/22261/display#page3Link to https://singlefamily.fanniemae.com/media/22261/display#page3Link to https://singlefamily.fanniemae.com/media/22261/display#page3Link to https://singlefamily.fanniemae.com/media/22261/display#page3Click here to review a copy of updated Fannie Mae Lender Letter 2020-02 describing the moratorium extension. As a reminder, Fannie Mae previously provided guidance indicating that existing sales should not be postponed if physical attendance at the sale site is required to call a postponement. Thus, any Fannie Mae sales in the Western states of Arizona, California, Nevada, Oregon, Utah and Washington would need to be taken off calendar instead of postponed. Freddie Mac has NOT provided guidance requiring sales to be taken off calendar if a postponement can be cried. Link to https://guide.freddiemac.com/ci/okcsFattach/get/1003812_7Link to https://guide.freddiemac.com/ci/okcsFattach/get/1003812_7Link to https://guide.freddiemac.com/ci/okcsFattach/get/1003812_7Link to https://guide.freddiemac.com/ci/okcsFattach/get/1003812_7Link to https://guide.freddiemac.com/ci/okcsFattach/get/1003812_7Click here to review a copy of Freddie Mac Bulletin 2020-16 “TEMPORARY SERVICING GUIDANCE RELATED TO COVID-19,” including information on the foreclosure moratorium extension, post-COVID delinquent property inspections, and other servicing guidance.

FHA Announces Extension of COVID-19 Foreclosure and Eviction Moratoria
On May 14, 2020, the Federal Housing Administration (“FHA”) published Mortgagee Letter (ML) 2020-13, “Extension of Foreclosure and Eviction Moratorium in connection with the Presidentially-Declared COVID-19 National Emergency and New Reporting Requirements Related to FHA Single Family’s CARES Act Loss Mitigation Options.” This ML announces an extension of the foreclosure and eviction moratorium for all FHA-insured single family mortgages previously announced in ML 2020-04, to June 30, 2020. This extension excludes vacant and abandoned properties. In addition, today’s ML announced new reporting requirements in FHA’s Single Family Default Monitoring System (SFDMS) for loss mitigation options related to the Coronavirus Aid, Relief, and Economic Security (CARES) Act. Among other topics addressed, the ML also confirms an extension of 90 days from the expiration of the moratorium for first legal action and reasonable diligence timeframes, except for vacant and abandoned properties. Link to https://www.hud.gov/press/press_releases_media_advisories/HUD_No_20_066Link to https://www.hud.gov/press/press_releases_media_advisories/HUD_No_20_066Link to https://www.hud.gov/press/press_releases_media_advisories/HUD_No_20_066Link to https://www.hud.gov/press/press_releases_media_advisories/HUD_No_20_066Link to https://www.hud.gov/press/press_releases_media_advisories/HUD_No_20_066Click here to review a copy of the Press Release. Link to https://www.hud.gov/sites/dfiles/OCHCO/documents/2020-13hsngml.pdfLink to https://www.hud.gov/sites/dfiles/OCHCO/documents/2020-13hsngml.pdfLink to https://www.hud.gov/sites/dfiles/OCHCO/documents/2020-13hsngml.pdfLink to https://www.hud.gov/sites/dfiles/OCHCO/documents/2020-13hsngml.pdfLink to https://www.hud.gov/sites/dfiles/OCHCO/documents/2020-13hsngml.pdfClick here to review a copy of the Mortgagee Letter.

Arizona’s Governor Lifts Stay at Home Order
On May 12, 2020, Arizona’s Governor issued a Stay Healthy, Return Smarter, Return Stronger Executive Order, providing for the re-opening of businesses with social distancing guidelines as specified in federal guidelines. The Order explicitly prohibits any county, city or town from issuing a conflicting order, “including, but not limited to, any order restricting persons from leaving their home due to the COVID-19 public health emergency.” Link to https://azgovernor.gov/sites/default/files/executive_order_2020-36_return_stronger.pdfLink to https://azgovernor.gov/sites/default/files/executive_order_2020-36_return_stronger.pdfLink to https://azgovernor.gov/sites/default/files/executive_order_2020-36_return_stronger.pdfLink to https://azgovernor.gov/sites/default/files/executive_order_2020-36_return_stronger.pdfLink to https://azgovernor.gov/sites/default/files/executive_order_2020-36_return_stronger.pdfClick here to review a copy of the Executive Order. The Governor allowed the previously-issued Stay at Home Order (EO 2020-18) to expire as of May 16, 2020. However, Executive Order 2020-14 remains in place through July 22, 2020, delaying enforcement of eviction action orders for residential premises with specified documented COVID-19 impacts. The Order does not appear to limit commencement of actions or impact the requirement to pay contractual rent, and requires tenants to notify landlords of the COVID-19 impact, with supporting documentation.

Freddie Mac Announces Updated COVID-19 Payment Deferral Option
Similar to Fannie Mae, as reported yesterday, on May 13, 2020, Freddie Mac announced a post-COVID forbearance Payment Deferral solution. “The COVID-19 Payment Deferral leverages a similar concept to the recently announced Payment Deferral solution. Under the terms of a COVID-19 Payment Deferral an eligible Borrower will be brought current by deferring delinquent amounts to create a non-interest bearing balance that will become due at the earlier of the Mortgage maturity date, payoff date, or upon transfer or sale of the Mortgaged Premises. The remaining Mortgage term, interest rate schedule (i.e., whether a fixed-rate Mortgage, an ARM or Step-Rate Mortgage) and maturity date of the Mortgage will all remain unchanged.” Servicers are to begin offering the option to borrowers beginning on July 1, 2020. Link to https://guide.freddiemac.com/ci/okcsFattach/get/1003811_7Link to https://guide.freddiemac.com/ci/okcsFattach/get/1003811_7Link to https://guide.freddiemac.com/ci/okcsFattach/get/1003811_7Link to https://guide.freddiemac.com/ci/okcsFattach/get/1003811_7Link to https://guide.freddiemac.com/ci/okcsFattach/get/1003811_7Click here to review a copy of Bulletin 2020-15 describing the program and eligibility criteria in further detail.

Updates on Court Operations Limitations and Closures
Link to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfClick here to see an updated chart identifying information and website links for the status of Court Closures and Operations Limitations for the states of Arizona, California, Nevada, Oregon, Utah and Washington.

Due to the constantly changing situation, the above and the attached may not be a comprehensive list of closures and impacts. Keep checking this website for the latest developments in our states. If you have additional questions or concerns regarding these important matters, please feel free to contact Link to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netRobin Wright, Link to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netMichelle Mierzwa or Link to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netRobert Finlay.


Wright, Finlay & Zak's COVID-19 Update: May 13, 2020

May 13, 2020

As with our prior notifications regarding the impact of COVID-19-related issues, the situation continues to be fluid when it comes to servicing of loans, the management of default and REO assets and litigation in the court systems. Below is an update on the latest state and local developments throughout the Western U.S. In addition, this update includes a summary of Fannie Mae’s Updated Post-COVID Forbearance Payment Deferral Program. As with all our updates, please keep in mind that additional orders and directives are being considered and issued by state and local jurisdictions as we speak, and we will continue to monitor all channels to provide you with updated information as it becomes available. Thanks, everyone.

Update on City of Los Angeles Protection and Penalty Ordinance Governing COVID-period Evictions
Link to https://cityclerk.lacity.org/lacityclerkconnect/index.cfm?fa=ccfi.viewrecord&cfnumber=20-0147-S19Link to https://cityclerk.lacity.org/lacityclerkconnect/index.cfm?fa=ccfi.viewrecord&cfnumber=20-0147-S19Link to https://cityclerk.lacity.org/lacityclerkconnect/index.cfm?fa=ccfi.viewrecord&cfnumber=20-0147-S19Link to https://cityclerk.lacity.org/lacityclerkconnect/index.cfm?fa=ccfi.viewrecord&cfnumber=20-0147-S19Link to https://cityclerk.lacity.org/lacityclerkconnect/index.cfm?fa=ccfi.viewrecord&cfnumber=20-0147-S19Link to https://cityclerk.lacity.org/lacityclerkconnect/index.cfm?fa=ccfi.viewrecord&cfnumber=20-0147-S19Link to https://cityclerk.lacity.org/lacityclerkconnect/index.cfm?fa=ccfi.viewrecord&cfnumber=20-0147-S19Link to https://cityclerk.lacity.org/lacityclerkconnect/index.cfm?fa=ccfi.viewrecord&cfnumber=20-0147-S19Los Angeles City Ordinance No. 186606 was published on May 8, 2020 and effective May 12, 2020, according to the information on the LA City Clerk website.

As previously reported, the Renter Protections Fact Sheet (“Protections Notice”) without modification of content or format must be provided to each residential tenant “in English and the language predominantly used by each tenant “ and “within 15 days of the effective date of this ordinance” which is May 27, 2020. An owner must also “provide the Protections Notice during the Local Emergency Period and for 12 months after its termination each time the Owner serves a notice to pay or quit, a notice to terminate a residential tenancy, a notice to perform covenant or quit, or any eviction notice …” Link to /documents/covid19/COVID-19-Renter-Protection-Fact-Sheet.pdfLink to /documents/covid19/COVID-19-Renter-Protection-Fact-Sheet.pdfLink to /documents/covid19/COVID-19-Renter-Protection-Fact-Sheet.pdfLink to /documents/covid19/COVID-19-Renter-Protection-Fact-Sheet.pdfLink to /documents/covid19/COVID-19-Renter-Protection-Fact-Sheet.pdfLink to /documents/covid19/COVID-19-Renter-Protection-Fact-Sheet.pdfLink to /documents/covid19/COVID-19-Renter-Protection-Fact-Sheet.pdfLink to /documents/covid19/COVID-19-Renter-Protection-Fact-Sheet.pdfClick here to review a copy of the Notice in English. Link to https://hcidla2.lacity.org/covid-19-renter-protectionsLink to https://hcidla2.lacity.org/covid-19-renter-protectionsLink to https://hcidla2.lacity.org/covid-19-renter-protectionsLink to https://hcidla2.lacity.org/covid-19-renter-protectionsLink to https://hcidla2.lacity.org/covid-19-renter-protectionsLink to https://hcidla2.lacity.org/covid-19-renter-protectionsLink to https://hcidla2.lacity.org/covid-19-renter-protectionsLink to https://hcidla2.lacity.org/covid-19-renter-protectionsClick here to view the Renter Protections Fact Sheets in the languages of Spanish, Armenian, Chinese, Korean, Russian and Tagalog are available on the HCID’s COVID-19 Renter Protections page. Scroll down to the heading “Not Able to Pay Your Rent During the ‘Safer at Home’ Emergency Order?” to find the notices. In the case of REO properties where information about tenants or other unknown occupants is not available, we recommend providing the Protections Notice in all of the available languages. Lenders managing REO properties and all landlords should immediately review their portfolios to identify impacted properties in the City of Los Angeles so that the Protections Notice can be sent on or before May 27, 2020. If you have questions about the application of this Ordinance to your properties, please do not hesitate to contact our office.

Fannie Mae Announces Updated COVID-19 Payment Deferral Option
On May 14, 2020, Fannie Mae announced a post-COVID forbearance payment deferral loss mitigation option. “Under this option, homeowners can resume their regular monthly mortgage payment after up to 12 months of missed payments, and the missed payments are deferred, or move, to the end of the loan term. This option is for homeowners who have completed a COVID-19 related forbearance plan and are able to continue making their full monthly contractual payment but cannot afford full reinstatement or a repayment plan to bring their mortgage loan current.” Link to https://www.fanniemae.com/portal/media/corporate-news/2020/covid-payment-deferral-7018.htmlLink to https://www.fanniemae.com/portal/media/corporate-news/2020/covid-payment-deferral-7018.htmlLink to https://www.fanniemae.com/portal/media/corporate-news/2020/covid-payment-deferral-7018.htmlLink to https://www.fanniemae.com/portal/media/corporate-news/2020/covid-payment-deferral-7018.htmlLink to https://www.fanniemae.com/portal/media/corporate-news/2020/covid-payment-deferral-7018.htmlLink to https://www.fanniemae.com/portal/media/corporate-news/2020/covid-payment-deferral-7018.htmlLink to https://www.fanniemae.com/portal/media/corporate-news/2020/covid-payment-deferral-7018.htmlLink to https://www.fanniemae.com/portal/media/corporate-news/2020/covid-payment-deferral-7018.htmlClick here to review a copy of the Press Release. Link to https://singlefamily.fanniemae.com/media/22916/displayLink to https://singlefamily.fanniemae.com/media/22916/displayLink to https://singlefamily.fanniemae.com/media/22916/displayLink to https://singlefamily.fanniemae.com/media/22916/displayLink to https://singlefamily.fanniemae.com/media/22916/displayLink to https://singlefamily.fanniemae.com/media/22916/displayLink to https://singlefamily.fanniemae.com/media/22916/displayLink to https://singlefamily.fanniemae.com/media/22916/displayClick here to review a copy of Lender Letter 2020-07 describing the program and eligibility criteria in further detail. Essentially, the amount of the borrower’s delinquency “moves into a non-interest bearing balance, due and payable at maturity of the mortgage loan or earlier payoff; and all other terms of the mortgage remain unchanged.”

Updates on Court Operations Limitations and Closures
Link to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfClick here to see an updated chart identifying information and website links for the status of Court Closures and Operations Limitations for the states of Arizona, California, Nevada, Oregon, Utah and Washington.

Due to the constantly changing situation, the above and the attached may not be a comprehensive list of closures and impacts. Keep checking this website for the latest developments in our states. If you have additional questions or concerns regarding these important matters, please feel free to contact Link to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netRobin Wright, Link to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netMichelle Mierzwa or Link to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netRobert Finlay.


Wright, Finlay & Zak's COVID-19 Update: May 11, 2020

May 11, 2020

As with our prior notifications regarding the impact of COVID-19-related issues, the situation continues to be fluid when it comes to servicing of loans, the management of default and REO assets and litigation in the court systems. Below is an update on the latest state and local developments throughout the Western U.S. In addition, this update includes a Practical Analysis section regarding CARES Forbearance. As with all our updates, please keep in mind that additional orders and directives are being considered and issued by state and local jurisdictions as we speak, and we will continue to monitor all channels to provide you with updated information as it becomes available. Thanks, everyone.

Fannie Mae Identifies Reimbursable Fees Related to Notice of CARES Forbearance in Bankruptcy Matters
On May 6, 2020, Fannie Mae confirmed servicers should prepare and file Notice of Forbearance in bankruptcy matters, and Fannie Mae will reimburse for up to two notices at $100.00 per notice prepared and filed in connection with a CARES Act forbearance plan. While the fees will be reimbursed by Fannie Mae, pursuant to the CARES Act they cannot be recovered from the borrower. Link to https://singlefamily.fanniemae.com/media/22836/displayLink to https://singlefamily.fanniemae.com/media/22836/displayLink to https://singlefamily.fanniemae.com/media/22836/displayLink to https://singlefamily.fanniemae.com/media/22836/displayLink to https://singlefamily.fanniemae.com/media/22836/displayLink to https://singlefamily.fanniemae.com/media/22836/displayLink to https://singlefamily.fanniemae.com/media/22836/displayLink to https://singlefamily.fanniemae.com/media/22836/displayLink to https://singlefamily.fanniemae.com/media/22836/displayLink to https://singlefamily.fanniemae.com/media/22836/displayLink to https://singlefamily.fanniemae.com/media/22836/displayClick here to review a copy of the announcement with additional details.

City of Los Angeles Enacts Protections and Penalties for COVID-related Evictions
Last week, the City of Los Angeles adopted Ordinance No. 186606 amending the Los Angeles Municipal Code to enact a variety of protections for residential and commercial tenants. “This ordinance temporarily prohibits evictions of residential and commercial tenants for failure to pay rent due to COVID-19, and prohibits evictions of residential tenants during the emergency for no-fault reasons, for unauthorized occupants or pets, and for nuisance related to COVID-19. This ordinance further suspends withdrawals of occupied residential units from the rental market under the Ellis Act, Government Code Section 7060, et seq.” Landlords are required to “provide written notice to each residential tenant of the protections afforded by this article (“Protections Notice”) within 15 days of the effective date of this ordinance.” The Protections Notice will be developed by the Housing & Community Investment Department. In addition to the prohibitions as to landlords, residential tenants have up to 12 months (3 months for commercial tenants) to repay rent deferred during the emergency period, and residential renters in the City now have a private right of action for up to $10,000.00 (up to $15,000.00 for elderly and disabled) in penalties against landlords who start a prohibited eviction (including issuance of a notice to quit/vacate or failure to provide the repayment plan) against those affected by Coronavirus. There is a 15-day safe harbor period for correction by landlords of violations after notice from the tenant. Link to http://clkrep.lacity.org/onlinedocs/2020/20-0479_ORD_186606_05-12-2020.pdfLink to http://clkrep.lacity.org/onlinedocs/2020/20-0479_ORD_186606_05-12-2020.pdfLink to http://clkrep.lacity.org/onlinedocs/2020/20-0479_ORD_186606_05-12-2020.pdfLink to http://clkrep.lacity.org/onlinedocs/2020/20-0479_ORD_186606_05-12-2020.pdfLink to http://clkrep.lacity.org/onlinedocs/2020/20-0479_ORD_186606_05-12-2020.pdfLink to http://clkrep.lacity.org/onlinedocs/2020/20-0479_ORD_186606_05-12-2020.pdfLink to http://clkrep.lacity.org/onlinedocs/2020/20-0479_ORD_186606_05-12-2020.pdfLink to http://clkrep.lacity.org/onlinedocs/2020/20-0479_ORD_186606_05-12-2020.pdfLink to http://clkrep.lacity.org/onlinedocs/2020/20-0479_ORD_186606_05-12-2020.pdfLink to http://clkrep.lacity.org/onlinedocs/2020/20-0479_ORD_186606_05-12-2020.pdfLink to http://clkrep.lacity.org/onlinedocs/2020/20-0479_ORD_186606_05-12-2020.pdfClick here to review a copy of the ordinance.

Practical Analysis: CARES Forbearance Agreements

Does the CARES Act forbearance apply to loans already in default?
The COVID-19 forbearance applies to all federally-backed loans, regardless of default status. The CARES Act provides at section 4022 (b) “FORBEARANCE.— (1) IN GENERAL.—During the covered period, a borrower with a Federally backed mortgage loan experiencing a financial hardship due, directly or indirectly, to the COVID–19 emergency may request forbearance on the Federally backed mortgage loan, regardless of delinquency status…” and at section “(c) REQUIREMENTS FOR SERVICERS.—(1) IN GENERAL.—Upon receiving a request for forbearance from a borrower under subsection (b), the servicer shall with no additional documentation required other than the borrower’s attestation to a financial hardship caused by the COVID–19 emergency and with no fees, penalties, or interest (beyond the amounts scheduled or calculated as if the borrower made all contractual payments on time and in full under the terms of the mortgage contract) charged to the borrower in connection with the forbearance, provide the forbearance for up to 180 days, which may be extended for an additional period of up to 180 days at the request of the borrower, provided that, the borrower’s request for an extension is made during the covered period, and, at the borrower’s request, either the initial or extended period of forbearance may be shortened…”

Separately from the requirement to allow forbearance as described above, there is a foreclosure moratorium as set forth in Section 4022(c)(2): “(2) FORECLOSURE MORATORIUM.—Except with respect to a vacant or abandoned property, a servicer of a Federally backed mortgage loan may not initiate any judicial or non-judicial foreclosure process, move for a foreclosure judgment or order of sale, or execute a foreclosure-related eviction or foreclosure sale for not less than the 60-day period beginning on March 18, 2020.”

Thus, any loan that is already in foreclosure cannot move to the next stage of initiation (NOD), scheduling a sale (NOS) or completing a sale until May 18th. Reading these sections in conjunction, it would be possible for a borrower who is already in foreclosure or bankruptcy to request forbearance (regardless of delinquency status) and obtain up to 180 days of initial forbearance. Many servicers are providing borrowers with forbearance of 90 days now and then contacting borrowers 30 days before the end of the granted forbearance to re-evaluate. If a borrower then requests additional forbearance due to COVID-19, another 90 days must be granted for the initial total of 180 days. So, borrowers under federally-backed loans in foreclosure automatically get a hold on foreclosure proceedings to May 18th and then have the ability to request an initial 180 days of forbearance, plus the potential for another 180 days of forbearance thereafter based on ongoing COVID-19 impact.

Should the loan servicer accept/apply payments (insufficient to cure) made during the CARES forbearance period, even though no payments are required?
The servicer should handle such payments pursuant to existing CFPB Rules regarding partial payments (12 C.F.R. 1026.36(c)(1): with the option to (1) return the partial payment as insufficient to reinstate, (2) accept the partial payment and apply the funds to the next full periodic payment and retain any excess in the suspense account, (3) retain the partial payment in suspense until additional amounts are received sufficient to make the next full periodic payment. In the case of retaining the funds, we recommend issuing a reservation of rights letter, advising the partial payment was received, the default is not cured, but the loan remains in a forbearance status. There may be states outside of our non-judicial state practice area where partial payments should not be accepted, but in our Western states, the above analysis would generally apply.

When in doubt regarding application of the CARES Act, please reach out to legal counsel.

Updates on Court Operations Limitations and Closures
Link to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfClick here to see an updated chart identifying information and website links for the status of Court Closures and Operations Limitations for the states of Arizona, California, Nevada, Oregon, Utah and Washington.

Due to the constantly changing situation, the above and the attached may not be a comprehensive list of closures and impacts. Keep checking this website for the latest developments in our states. If you have additional questions or concerns regarding these important matters, please feel free to contact Link to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netRobin Wright, Link to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netMichelle Mierzwa or Link to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netRobert Finlay.


Wright, Finlay & Zak's COVID-19 Update: May 4, 2020

May 4, 2020

As with our prior notifications regarding the impact of COVID-19-related issues, the situation continues to be fluid when it comes to servicing of loans, the management of default and REO assets and litigation in the court systems. Below is an update on the latest state and local developments throughout the Western U.S. In addition, this update includes information on Fannie Mae’s Updates to Lender Letter 2020-02. As with all our updates, please keep in mind that additional orders and directives are being considered and issued by state and local jurisdictions as we speak, and we will continue to monitor all channels to provide you with updated information as it becomes available. Thanks, everyone.

Fannie Mae Issues Updates to Lender Letter 2020-02
On April 29, 2020, Fannie Mae issued updates to Lender Letter 2020-02 to address principal and interest advances required by servicers on delinquent mortgage loans impacted by COVID-19. The update acknowledges the previously-announced four month maximum advances for loans in COVID-19 forbearance and provides: “We are currently evaluating operational changes to discontinue servicer advances of scheduled remittances of principal and interest payments for delinquent scheduled/scheduled remittance mortgage loans (delinquency advances) after the four consecutive missed monthly payments for mortgage loans serviced under the special servicing option. These changes will become effective for Aug. 2020 remittance activity (based on Jul. 2020 reporting activity). Additional guidance will be provided in the coming weeks.” Link to https://singlefamily.fanniemae.com/media/22261/displayLink to https://singlefamily.fanniemae.com/media/22261/displayLink to https://singlefamily.fanniemae.com/media/22261/displayLink to https://singlefamily.fanniemae.com/media/22261/displayLink to https://singlefamily.fanniemae.com/media/22261/displayLink to https://singlefamily.fanniemae.com/media/22261/displayLink to https://singlefamily.fanniemae.com/media/22261/displayLink to https://singlefamily.fanniemae.com/media/22261/displayLink to https://singlefamily.fanniemae.com/media/22261/displayLink to https://singlefamily.fanniemae.com/media/22261/displayLink to https://singlefamily.fanniemae.com/media/22261/displayLink to https://singlefamily.fanniemae.com/media/22261/displayLink to https://singlefamily.fanniemae.com/media/22261/displayLink to https://singlefamily.fanniemae.com/media/22261/displayLink to https://singlefamily.fanniemae.com/media/22261/displayLink to https://singlefamily.fanniemae.com/media/22261/displayLink to https://singlefamily.fanniemae.com/media/22261/displayClick here to review a copy of the updated Lender Letter.

California’s Bay Area Counties Extend Shelter in Place Orders
On April 27, 2020, the counties of Alameda, Contra Costa, Marin, San Francisco, San Mateo, Santa Clara and the City of Berkeley issued a joint statement regarding their intent to extend their existing Shelter in Place Orders through the month of May but include easing of specific restrictions for certain lower-risk activities. The existing orders were scheduled to expire May 3, and have now been extended to May 31. Link to https://cchealth.org/press-releases/2020/0427-SIP-Order-Update.pdfLink to https://cchealth.org/press-releases/2020/0427-SIP-Order-Update.pdfLink to https://cchealth.org/press-releases/2020/0427-SIP-Order-Update.pdfLink to https://cchealth.org/press-releases/2020/0427-SIP-Order-Update.pdfLink to https://cchealth.org/press-releases/2020/0427-SIP-Order-Update.pdfLink to https://cchealth.org/press-releases/2020/0427-SIP-Order-Update.pdfLink to https://cchealth.org/press-releases/2020/0427-SIP-Order-Update.pdfLink to https://cchealth.org/press-releases/2020/0427-SIP-Order-Update.pdfLink to https://cchealth.org/press-releases/2020/0427-SIP-Order-Update.pdfLink to https://cchealth.org/press-releases/2020/0427-SIP-Order-Update.pdfLink to https://cchealth.org/press-releases/2020/0427-SIP-Order-Update.pdfLink to https://cchealth.org/press-releases/2020/0427-SIP-Order-Update.pdfLink to https://cchealth.org/press-releases/2020/0427-SIP-Order-Update.pdfLink to https://cchealth.org/press-releases/2020/0427-SIP-Order-Update.pdfLink to https://cchealth.org/press-releases/2020/0427-SIP-Order-Update.pdfLink to https://cchealth.org/press-releases/2020/0427-SIP-Order-Update.pdfLink to https://cchealth.org/press-releases/2020/0427-SIP-Order-Update.pdfClick here to review a copy of the Joint statement. As of the drafting of this update, the official Orders from all counties had not yet been issued, but we are monitoring for their release and will review the specific terms of each order to determine whether the easing of restrictions will potentially apply to activity relevant to our clients, including the completion of service of process, foreclosure sales, and essential business operations processes. Available updated Orders for the counties issued April 29, 2020 include Link to http://www.acphd.org/media/572718/health-officer-order-20-10-shelter-in-place-20200429.pdfLink to http://www.acphd.org/media/572718/health-officer-order-20-10-shelter-in-place-20200429.pdfLink to http://www.acphd.org/media/572718/health-officer-order-20-10-shelter-in-place-20200429.pdfLink to http://www.acphd.org/media/572718/health-officer-order-20-10-shelter-in-place-20200429.pdfLink to http://www.acphd.org/media/572718/health-officer-order-20-10-shelter-in-place-20200429.pdfLink to http://www.acphd.org/media/572718/health-officer-order-20-10-shelter-in-place-20200429.pdfLink to http://www.acphd.org/media/572718/health-officer-order-20-10-shelter-in-place-20200429.pdfLink to http://www.acphd.org/media/572718/health-officer-order-20-10-shelter-in-place-20200429.pdfLink to http://www.acphd.org/media/572718/health-officer-order-20-10-shelter-in-place-20200429.pdfLink to http://www.acphd.org/media/572718/health-officer-order-20-10-shelter-in-place-20200429.pdfLink to http://www.acphd.org/media/572718/health-officer-order-20-10-shelter-in-place-20200429.pdfLink to http://www.acphd.org/media/572718/health-officer-order-20-10-shelter-in-place-20200429.pdfLink to http://www.acphd.org/media/572718/health-officer-order-20-10-shelter-in-place-20200429.pdfLink to http://www.acphd.org/media/572718/health-officer-order-20-10-shelter-in-place-20200429.pdfLink to http://www.acphd.org/media/572718/health-officer-order-20-10-shelter-in-place-20200429.pdfLink to http://www.acphd.org/media/572718/health-officer-order-20-10-shelter-in-place-20200429.pdfLink to http://www.acphd.org/media/572718/health-officer-order-20-10-shelter-in-place-20200429.pdfAlameda, Link to https://813dcad3-2b07-4f3f-a25e-23c48c566922.filesusr.com/ugd/84606e_99711106d2074bab8ef27cc16643957e.pdfLink to https://813dcad3-2b07-4f3f-a25e-23c48c566922.filesusr.com/ugd/84606e_99711106d2074bab8ef27cc16643957e.pdfLink to https://813dcad3-2b07-4f3f-a25e-23c48c566922.filesusr.com/ugd/84606e_99711106d2074bab8ef27cc16643957e.pdfLink to https://813dcad3-2b07-4f3f-a25e-23c48c566922.filesusr.com/ugd/84606e_99711106d2074bab8ef27cc16643957e.pdfLink to https://813dcad3-2b07-4f3f-a25e-23c48c566922.filesusr.com/ugd/84606e_99711106d2074bab8ef27cc16643957e.pdfLink to https://813dcad3-2b07-4f3f-a25e-23c48c566922.filesusr.com/ugd/84606e_99711106d2074bab8ef27cc16643957e.pdfLink to https://813dcad3-2b07-4f3f-a25e-23c48c566922.filesusr.com/ugd/84606e_99711106d2074bab8ef27cc16643957e.pdfLink to https://813dcad3-2b07-4f3f-a25e-23c48c566922.filesusr.com/ugd/84606e_99711106d2074bab8ef27cc16643957e.pdfLink to https://813dcad3-2b07-4f3f-a25e-23c48c566922.filesusr.com/ugd/84606e_99711106d2074bab8ef27cc16643957e.pdfLink to https://813dcad3-2b07-4f3f-a25e-23c48c566922.filesusr.com/ugd/84606e_99711106d2074bab8ef27cc16643957e.pdfLink to https://813dcad3-2b07-4f3f-a25e-23c48c566922.filesusr.com/ugd/84606e_99711106d2074bab8ef27cc16643957e.pdfLink to https://813dcad3-2b07-4f3f-a25e-23c48c566922.filesusr.com/ugd/84606e_99711106d2074bab8ef27cc16643957e.pdfLink to https://813dcad3-2b07-4f3f-a25e-23c48c566922.filesusr.com/ugd/84606e_99711106d2074bab8ef27cc16643957e.pdfLink to https://813dcad3-2b07-4f3f-a25e-23c48c566922.filesusr.com/ugd/84606e_99711106d2074bab8ef27cc16643957e.pdfLink to https://813dcad3-2b07-4f3f-a25e-23c48c566922.filesusr.com/ugd/84606e_99711106d2074bab8ef27cc16643957e.pdfLink to https://813dcad3-2b07-4f3f-a25e-23c48c566922.filesusr.com/ugd/84606e_99711106d2074bab8ef27cc16643957e.pdfLink to https://813dcad3-2b07-4f3f-a25e-23c48c566922.filesusr.com/ugd/84606e_99711106d2074bab8ef27cc16643957e.pdfContra Costa, Link to https://sf.gov/sites/default/files/2020-04/2020.04.29%20FINAL%20%28signed%29%20Health%20Officer%20Order%20C19-07c-%20Shelter%20in%20Place.pdfLink to https://sf.gov/sites/default/files/2020-04/2020.04.29%20FINAL%20%28signed%29%20Health%20Officer%20Order%20C19-07c-%20Shelter%20in%20Place.pdfLink to https://sf.gov/sites/default/files/2020-04/2020.04.29%20FINAL%20%28signed%29%20Health%20Officer%20Order%20C19-07c-%20Shelter%20in%20Place.pdfLink to https://sf.gov/sites/default/files/2020-04/2020.04.29%20FINAL%20%28signed%29%20Health%20Officer%20Order%20C19-07c-%20Shelter%20in%20Place.pdfLink to https://sf.gov/sites/default/files/2020-04/2020.04.29%20FINAL%20%28signed%29%20Health%20Officer%20Order%20C19-07c-%20Shelter%20in%20Place.pdfLink to https://sf.gov/sites/default/files/2020-04/2020.04.29%20FINAL%20%28signed%29%20Health%20Officer%20Order%20C19-07c-%20Shelter%20in%20Place.pdfLink to https://sf.gov/sites/default/files/2020-04/2020.04.29%20FINAL%20%28signed%29%20Health%20Officer%20Order%20C19-07c-%20Shelter%20in%20Place.pdfLink to https://sf.gov/sites/default/files/2020-04/2020.04.29%20FINAL%20%28signed%29%20Health%20Officer%20Order%20C19-07c-%20Shelter%20in%20Place.pdfLink to https://sf.gov/sites/default/files/2020-04/2020.04.29%20FINAL%20%28signed%29%20Health%20Officer%20Order%20C19-07c-%20Shelter%20in%20Place.pdfLink to https://sf.gov/sites/default/files/2020-04/2020.04.29%20FINAL%20%28signed%29%20Health%20Officer%20Order%20C19-07c-%20Shelter%20in%20Place.pdfLink to https://sf.gov/sites/default/files/2020-04/2020.04.29%20FINAL%20%28signed%29%20Health%20Officer%20Order%20C19-07c-%20Shelter%20in%20Place.pdfLink to https://sf.gov/sites/default/files/2020-04/2020.04.29%20FINAL%20%28signed%29%20Health%20Officer%20Order%20C19-07c-%20Shelter%20in%20Place.pdfLink to https://sf.gov/sites/default/files/2020-04/2020.04.29%20FINAL%20%28signed%29%20Health%20Officer%20Order%20C19-07c-%20Shelter%20in%20Place.pdfLink to https://sf.gov/sites/default/files/2020-04/2020.04.29%20FINAL%20%28signed%29%20Health%20Officer%20Order%20C19-07c-%20Shelter%20in%20Place.pdfLink to https://sf.gov/sites/default/files/2020-04/2020.04.29%20FINAL%20%28signed%29%20Health%20Officer%20Order%20C19-07c-%20Shelter%20in%20Place.pdfLink to https://sf.gov/sites/default/files/2020-04/2020.04.29%20FINAL%20%28signed%29%20Health%20Officer%20Order%20C19-07c-%20Shelter%20in%20Place.pdfLink to https://sf.gov/sites/default/files/2020-04/2020.04.29%20FINAL%20%28signed%29%20Health%20Officer%20Order%20C19-07c-%20Shelter%20in%20Place.pdfSan Francisco, Link to https://www.smcgov.org/sites/smcgov.org/files/documents/files/Health%20Officer%20Order%20Revising%20Shelter%20In%20Place%20Through%20May%2031.pdfLink to https://www.smcgov.org/sites/smcgov.org/files/documents/files/Health%20Officer%20Order%20Revising%20Shelter%20In%20Place%20Through%20May%2031.pdfLink to https://www.smcgov.org/sites/smcgov.org/files/documents/files/Health%20Officer%20Order%20Revising%20Shelter%20In%20Place%20Through%20May%2031.pdfLink to https://www.smcgov.org/sites/smcgov.org/files/documents/files/Health%20Officer%20Order%20Revising%20Shelter%20In%20Place%20Through%20May%2031.pdfLink to https://www.smcgov.org/sites/smcgov.org/files/documents/files/Health%20Officer%20Order%20Revising%20Shelter%20In%20Place%20Through%20May%2031.pdfLink to https://www.smcgov.org/sites/smcgov.org/files/documents/files/Health%20Officer%20Order%20Revising%20Shelter%20In%20Place%20Through%20May%2031.pdfLink to https://www.smcgov.org/sites/smcgov.org/files/documents/files/Health%20Officer%20Order%20Revising%20Shelter%20In%20Place%20Through%20May%2031.pdfLink to https://www.smcgov.org/sites/smcgov.org/files/documents/files/Health%20Officer%20Order%20Revising%20Shelter%20In%20Place%20Through%20May%2031.pdfLink to https://www.smcgov.org/sites/smcgov.org/files/documents/files/Health%20Officer%20Order%20Revising%20Shelter%20In%20Place%20Through%20May%2031.pdfLink to https://www.smcgov.org/sites/smcgov.org/files/documents/files/Health%20Officer%20Order%20Revising%20Shelter%20In%20Place%20Through%20May%2031.pdfLink to https://www.smcgov.org/sites/smcgov.org/files/documents/files/Health%20Officer%20Order%20Revising%20Shelter%20In%20Place%20Through%20May%2031.pdfLink to https://www.smcgov.org/sites/smcgov.org/files/documents/files/Health%20Officer%20Order%20Revising%20Shelter%20In%20Place%20Through%20May%2031.pdfLink to https://www.smcgov.org/sites/smcgov.org/files/documents/files/Health%20Officer%20Order%20Revising%20Shelter%20In%20Place%20Through%20May%2031.pdfLink to https://www.smcgov.org/sites/smcgov.org/files/documents/files/Health%20Officer%20Order%20Revising%20Shelter%20In%20Place%20Through%20May%2031.pdfLink to https://www.smcgov.org/sites/smcgov.org/files/documents/files/Health%20Officer%20Order%20Revising%20Shelter%20In%20Place%20Through%20May%2031.pdfLink to https://www.smcgov.org/sites/smcgov.org/files/documents/files/Health%20Officer%20Order%20Revising%20Shelter%20In%20Place%20Through%20May%2031.pdfLink to https://www.smcgov.org/sites/smcgov.org/files/documents/files/Health%20Officer%20Order%20Revising%20Shelter%20In%20Place%20Through%20May%2031.pdfSan Mateo, andLink to https://www.sccgov.org/sites/covid19/Documents/05-04-20-Health-Officer-Order.pdfLink to https://www.sccgov.org/sites/covid19/Documents/05-04-20-Health-Officer-Order.pdfLink to https://www.sccgov.org/sites/covid19/Documents/05-04-20-Health-Officer-Order.pdfLink to https://www.sccgov.org/sites/covid19/Documents/05-04-20-Health-Officer-Order.pdfLink to https://www.sccgov.org/sites/covid19/Documents/05-04-20-Health-Officer-Order.pdfLink to https://www.sccgov.org/sites/covid19/Documents/05-04-20-Health-Officer-Order.pdfLink to https://www.sccgov.org/sites/covid19/Documents/05-04-20-Health-Officer-Order.pdfLink to https://www.sccgov.org/sites/covid19/Documents/05-04-20-Health-Officer-Order.pdfLink to https://www.sccgov.org/sites/covid19/Documents/05-04-20-Health-Officer-Order.pdfLink to https://www.sccgov.org/sites/covid19/Documents/05-04-20-Health-Officer-Order.pdfLink to https://www.sccgov.org/sites/covid19/Documents/05-04-20-Health-Officer-Order.pdfLink to https://www.sccgov.org/sites/covid19/Documents/05-04-20-Health-Officer-Order.pdfLink to https://www.sccgov.org/sites/covid19/Documents/05-04-20-Health-Officer-Order.pdfLink to https://www.sccgov.org/sites/covid19/Documents/05-04-20-Health-Officer-Order.pdfLink to https://www.sccgov.org/sites/covid19/Documents/05-04-20-Health-Officer-Order.pdfLink to https://www.sccgov.org/sites/covid19/Documents/05-04-20-Health-Officer-Order.pdfLink to https://www.sccgov.org/sites/covid19/Documents/05-04-20-Health-Officer-Order.pdf Santa Clara.

Arizona and Washington Governors Extend Stay at Home Orders
On April 29, 2020, Arizona’s Governor issued an order extending the existing Stay at Home Order through May 15, 2020. Link to https://azgovernor.gov/sites/default/files/eo_2020-33.pdfLink to https://azgovernor.gov/sites/default/files/eo_2020-33.pdfLink to https://azgovernor.gov/sites/default/files/eo_2020-33.pdfLink to https://azgovernor.gov/sites/default/files/eo_2020-33.pdfLink to https://azgovernor.gov/sites/default/files/eo_2020-33.pdfLink to https://azgovernor.gov/sites/default/files/eo_2020-33.pdfLink to https://azgovernor.gov/sites/default/files/eo_2020-33.pdfLink to https://azgovernor.gov/sites/default/files/eo_2020-33.pdfLink to https://azgovernor.gov/sites/default/files/eo_2020-33.pdfLink to https://azgovernor.gov/sites/default/files/eo_2020-33.pdfLink to https://azgovernor.gov/sites/default/files/eo_2020-33.pdfLink to https://azgovernor.gov/sites/default/files/eo_2020-33.pdfLink to https://azgovernor.gov/sites/default/files/eo_2020-33.pdfLink to https:/azgovernor.gov/file/34712/download?token=aWa7Jw6LLink to https:/azgovernor.gov/file/34712/download?token=aWa7Jw6LLink to https:/azgovernor.gov/file/34712/download?token=aWa7Jw6LLink to https:/azgovernor.gov/file/34712/download?token=aWa7Jw6LClick here to review a copy of the Order. On May 1, 2020, Washington’s Governor announced his extension of the Stay at Home Order through May 31, 2020. Link to https://www.governor.wa.gov/sites/default/files/20-25.3%20-%20COVID-19%20Stay%20Home%20Stay%20Healthy%20-%20Reopening%20%28tmp%29.pdfLink to https://www.governor.wa.gov/sites/default/files/20-25.3%20-%20COVID-19%20Stay%20Home%20Stay%20Healthy%20-%20Reopening%20%28tmp%29.pdfLink to https://www.governor.wa.gov/sites/default/files/20-25.3%20-%20COVID-19%20Stay%20Home%20Stay%20Healthy%20-%20Reopening%20%28tmp%29.pdfLink to https://www.governor.wa.gov/sites/default/files/20-25.3%20-%20COVID-19%20Stay%20Home%20Stay%20Healthy%20-%20Reopening%20%28tmp%29.pdfLink to https://www.governor.wa.gov/sites/default/files/20-25.3%20-%20COVID-19%20Stay%20Home%20Stay%20Healthy%20-%20Reopening%20%28tmp%29.pdfLink to https://www.governor.wa.gov/sites/default/files/20-25.3%20-%20COVID-19%20Stay%20Home%20Stay%20Healthy%20-%20Reopening%20%28tmp%29.pdfLink to https://www.governor.wa.gov/sites/default/files/20-25.3%20-%20COVID-19%20Stay%20Home%20Stay%20Healthy%20-%20Reopening%20%28tmp%29.pdfLink to https://www.governor.wa.gov/sites/default/files/20-25.3%20-%20COVID-19%20Stay%20Home%20Stay%20Healthy%20-%20Reopening%20%28tmp%29.pdfLink to https://www.governor.wa.gov/sites/default/files/20-25.3%20-%20COVID-19%20Stay%20Home%20Stay%20Healthy%20-%20Reopening%20%28tmp%29.pdfLink to https://www.governor.wa.gov/sites/default/files/20-25.3%20-%20COVID-19%20Stay%20Home%20Stay%20Healthy%20-%20Reopening%20%28tmp%29.pdfLink to https://www.governor.wa.gov/sites/default/files/20-25.3%20-%20COVID-19%20Stay%20Home%20Stay%20Healthy%20-%20Reopening%20%28tmp%29.pdfLink to https://www.governor.wa.gov/sites/default/files/20-25.3%20-%20COVID-19%20Stay%20Home%20Stay%20Healthy%20-%20Reopening%20%28tmp%29.pdfLink to https://www.governor.wa.gov/sites/default/files/20-25.3%20-%20COVID-19%20Stay%20Home%20Stay%20Healthy%20-%20Reopening%20%28tmp%29.pdfLink to https://www.governor.wa.gov/sites/default/files/20-25.3%20-%20COVID-19%20Stay%20Home%20Stay%20Healthy%20-%20Reopening%20%28tmp%29.pdfLink to https://www.governor.wa.gov/sites/default/files/20-25.3%20-%20COVID-19%20Stay%20Home%20Stay%20Healthy%20-%20Reopening%20%28tmp%29.pdfLink to https://www.governor.wa.gov/sites/default/files/20-25.3%20-%20COVID-19%20Stay%20Home%20Stay%20Healthy%20-%20Reopening%20%28tmp%29.pdfLink to https://www.governor.wa.gov/sites/default/files/20-25.3%20-%20COVID-19%20Stay%20Home%20Stay%20Healthy%20-%20Reopening%20%28tmp%29.pdfClick here to review a copy of the formal Proclamation issued May 4, 2020.

Neither of the Orders in these states contains an express prohibition against foreclosure activity. Please see the updated version of WFZ’s Link to /documents/covid19/WFZ-COVID-19-Western-States-Foreclosure-Eviction-Grid.pdfLink to /documents/covid19/WFZ-COVID-19-Western-States-Foreclosure-Eviction-Grid.pdfLink to /documents/covid19/WFZ-COVID-19-Western-States-Foreclosure-Eviction-Grid.pdfLink to /documents/covid19/WFZ-COVID-19-Western-States-Foreclosure-Eviction-Grid.pdfLink to /documents/covid19/WFZ-COVID-19-Western-States-Foreclosure-Eviction-Grid.pdfLink to /documents/covid19/WFZ-COVID-19-Western-States-Foreclosure-Eviction-Grid.pdfLink to /documents/covid19/WFZ-COVID-19-Western-States-Foreclosure-Eviction-Grid.pdfLink to /documents/covid19/WFZ-COVID-19-Western-States-Foreclosure-Eviction-Grid.pdfLink to /documents/covid19/WFZ-COVID-19-Western-States-Foreclosure-Eviction-Grid.pdfLink to /documents/covid19/WFZ-COVID-19-Western-States-Foreclosure-Eviction-Grid.pdfLink to /documents/covid19/WFZ-COVID-19-Western-States-Foreclosure-Eviction-Grid.pdfLink to /documents/covid19/WFZ-COVID-19-Western-States-Foreclosure-Eviction-Grid.pdfLink to /documents/covid19/WFZ-COVID-19-Western-States-Foreclosure-Eviction-Grid.pdfLink to /documents/covid19/WFZ-COVID-19-Western-States-Foreclosure-Eviction-Grid.pdfLink to /documents/covid19/WFZ-COVID-19-Western-States-Foreclosure-Eviction-Grid.pdfLink to /documents/covid19/WFZ-COVID-19-Western-States-Foreclosure-Eviction-Grid.pdfLink to /documents/covid19/WFZ-COVID-19-Western-States-Foreclosure-Eviction-Grid.pdfWestern States Foreclosure and Eviction Impact Grid, which now includes New Mexico and Montana, for a summary of existing moratoria in the West.

Updates on Court Operations Limitations and Closures
Link to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfClick here to see an updated chart identifying information and website links for the status of Court Closures and Operations Limitations for the states of Arizona, California, Nevada, Oregon, Utah and Washington.

Due to the constantly changing situation, the above and the attached may not be a comprehensive list of closures and impacts. Link to /covid-19-informationLink to /covid-19-informationLink to /covid-19-informationLink to /covid-19-informationLink to /covid-19-informationLink to /covid-19-informationLink to /covid-19-informationLink to /covid-19-informationLink to /covid-19-informationLink to /covid-19-informationLink to /covid-19-informationLink to /covid-19-informationLink to /covid-19-informationLink to /covid-19-informationLink to /covid-19-informationLink to /covid-19-informationLink to /covid-19-informationCheck our website for the latest developments in our states. If you have additional questions or concerns regarding these important matters, please feel free to contact Robin Wright at Link to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netrwright@wrightlegal.net, Michelle Mierzwa at Link to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netmmierzwa@wrightlegal.net or Robert Finlay at Link to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netrfinlay@wrightlegal.net.


Wright, Finlay & Zak's COVID-19 Update: April 27, 2020

April 27, 2020

As with our prior notifications regarding the impact of COVID-19-related issues, the situation continues to be fluid when it comes to servicing of loans, the management of default and REO assets and litigation in the court systems. Below is an update on the latest state and local developments throughout the Western U.S. In addition, this update includes information on FHFA’s Announcement Regarding Post-Forbearance Resolution Options. As with all our updates, please keep in mind that additional orders and directives are being considered and issued by state and local jurisdictions as we speak, and we will continue to monitor all channels to provide you with updated information as it becomes available. Thanks, everyone.

FHFA Confirms Loans in COVID-19 Forbearance Status Will Not Be Required to Reinstate by Lump Sum Payment
On April 27, 2020, FHFA issued a News Release to clarify information relating to post-forbearance plan alternatives. “No lump sum is required at the end of a borrower’s forbearance plan for Enterprise-backed mortgages. To help homeowners navigate the forbearance process, FHFA partnered with CFPB on the Borrower Protection Program to provide homeowners accurate information about forbearance and address concerns noted in some consumer complaints. While today’s statement only covers Fannie Mae and Freddie Mac mortgages, I encourage all mortgage lenders to adopt a similar approach.” Link to https://www.fhfa.gov/Media/PublicAffairs/Pages/No-Lump-Sum-Required-at-the-End-of-Forbearance-says-FHFAs-Calabria.aspxLink to https://www.fhfa.gov/Media/PublicAffairs/Pages/No-Lump-Sum-Required-at-the-End-of-Forbearance-says-FHFAs-Calabria.aspxLink to https://www.fhfa.gov/Media/PublicAffairs/Pages/No-Lump-Sum-Required-at-the-End-of-Forbearance-says-FHFAs-Calabria.aspxLink to https://www.fhfa.gov/Media/PublicAffairs/Pages/No-Lump-Sum-Required-at-the-End-of-Forbearance-says-FHFAs-Calabria.aspxLink to https://www.fhfa.gov/Media/PublicAffairs/Pages/No-Lump-Sum-Required-at-the-End-of-Forbearance-says-FHFAs-Calabria.aspxLink to https://www.fhfa.gov/Media/PublicAffairs/Pages/No-Lump-Sum-Required-at-the-End-of-Forbearance-says-FHFAs-Calabria.aspxLink to https://www.fhfa.gov/Media/PublicAffairs/Pages/No-Lump-Sum-Required-at-the-End-of-Forbearance-says-FHFAs-Calabria.aspxLink to https://www.fhfa.gov/Media/PublicAffairs/Pages/No-Lump-Sum-Required-at-the-End-of-Forbearance-says-FHFAs-Calabria.aspxLink to https://www.fhfa.gov/Media/PublicAffairs/Pages/No-Lump-Sum-Required-at-the-End-of-Forbearance-says-FHFAs-Calabria.aspxLink to https://www.fhfa.gov/Media/PublicAffairs/Pages/No-Lump-Sum-Required-at-the-End-of-Forbearance-says-FHFAs-Calabria.aspxLink to https://www.fhfa.gov/Media/PublicAffairs/Pages/No-Lump-Sum-Required-at-the-End-of-Forbearance-says-FHFAs-Calabria.aspxLink to https://www.fhfa.gov/Media/PublicAffairs/Pages/No-Lump-Sum-Required-at-the-End-of-Forbearance-says-FHFAs-Calabria.aspxLink to https://www.fhfa.gov/Media/PublicAffairs/Pages/No-Lump-Sum-Required-at-the-End-of-Forbearance-says-FHFAs-Calabria.aspxLink to https://www.fhfa.gov/Media/PublicAffairs/Pages/No-Lump-Sum-Required-at-the-End-of-Forbearance-says-FHFAs-Calabria.aspxLink to https://www.fhfa.gov/Media/PublicAffairs/Pages/No-Lump-Sum-Required-at-the-End-of-Forbearance-says-FHFAs-Calabria.aspxLink to https://www.fhfa.gov/Media/PublicAffairs/Pages/No-Lump-Sum-Required-at-the-End-of-Forbearance-says-FHFAs-Calabria.aspxLink to https://www.fhfa.gov/Media/PublicAffairs/Pages/No-Lump-Sum-Required-at-the-End-of-Forbearance-says-FHFAs-Calabria.aspxLink to https://www.fhfa.gov/Media/PublicAffairs/Pages/No-Lump-Sum-Required-at-the-End-of-Forbearance-says-FHFAs-Calabria.aspxLink to https://www.fhfa.gov/Media/PublicAffairs/Pages/No-Lump-Sum-Required-at-the-End-of-Forbearance-says-FHFAs-Calabria.aspxLink to https://www.fhfa.gov/Media/PublicAffairs/Pages/No-Lump-Sum-Required-at-the-End-of-Forbearance-says-FHFAs-Calabria.aspxClick here to review the Release. Accordingly, also on April 27, 2020, Fannie Mae and Freddie Mac issued similar news releases. Link to https://www.fanniemae.com/portal/media/corporate-news/2020/covid-19-mortgage-options-7010.htmlLink to https://www.fanniemae.com/portal/media/corporate-news/2020/covid-19-mortgage-options-7010.htmlLink to https://www.fanniemae.com/portal/media/corporate-news/2020/covid-19-mortgage-options-7010.htmlLink to https://www.fanniemae.com/portal/media/corporate-news/2020/covid-19-mortgage-options-7010.htmlLink to https://www.fanniemae.com/portal/media/corporate-news/2020/covid-19-mortgage-options-7010.htmlLink to https://www.fanniemae.com/portal/media/corporate-news/2020/covid-19-mortgage-options-7010.htmlLink to https://www.fanniemae.com/portal/media/corporate-news/2020/covid-19-mortgage-options-7010.htmlLink to https://www.fanniemae.com/portal/media/corporate-news/2020/covid-19-mortgage-options-7010.htmlLink to https://www.fanniemae.com/portal/media/corporate-news/2020/covid-19-mortgage-options-7010.htmlLink to https://www.fanniemae.com/portal/media/corporate-news/2020/covid-19-mortgage-options-7010.htmlLink to https://www.fanniemae.com/portal/media/corporate-news/2020/covid-19-mortgage-options-7010.htmlLink to https://www.fanniemae.com/portal/media/corporate-news/2020/covid-19-mortgage-options-7010.htmlLink to https://www.fanniemae.com/portal/media/corporate-news/2020/covid-19-mortgage-options-7010.htmlLink to https://www.fanniemae.com/portal/media/corporate-news/2020/covid-19-mortgage-options-7010.htmlLink to https://www.fanniemae.com/portal/media/corporate-news/2020/covid-19-mortgage-options-7010.htmlLink to https://www.fanniemae.com/portal/media/corporate-news/2020/covid-19-mortgage-options-7010.htmlLink to https://www.fanniemae.com/portal/media/corporate-news/2020/covid-19-mortgage-options-7010.htmlLink to https://www.fanniemae.com/portal/media/corporate-news/2020/covid-19-mortgage-options-7010.htmlLink to https://www.fanniemae.com/portal/media/corporate-news/2020/covid-19-mortgage-options-7010.htmlLink to https://www.fanniemae.com/portal/media/corporate-news/2020/covid-19-mortgage-options-7010.htmlClick here to review the Fannie Mae release. Link to https://freddiemac.gcs-web.com/node/19661/pdfLink to https://freddiemac.gcs-web.com/node/19661/pdfLink to https://freddiemac.gcs-web.com/node/19661/pdfLink to https://freddiemac.gcs-web.com/node/19661/pdfLink to https://freddiemac.gcs-web.com/node/19661/pdfLink to https://freddiemac.gcs-web.com/node/19661/pdfLink to https://freddiemac.gcs-web.com/node/19661/pdfLink to https://freddiemac.gcs-web.com/node/19661/pdfLink to https://freddiemac.gcs-web.com/node/19661/pdfLink to https://freddiemac.gcs-web.com/node/19661/pdfLink to https://freddiemac.gcs-web.com/node/19661/pdfLink to https://freddiemac.gcs-web.com/node/19661/pdfLink to https://freddiemac.gcs-web.com/node/19661/pdfLink to https://freddiemac.gcs-web.com/node/19661/pdfLink to https://freddiemac.gcs-web.com/node/19661/pdfLink to https://freddiemac.gcs-web.com/node/19661/pdfLink to https://freddiemac.gcs-web.com/node/19661/pdfLink to https://freddiemac.gcs-web.com/node/19661/pdfLink to https://freddiemac.gcs-web.com/node/19661/pdfLink to https://freddiemac.gcs-web.com/node/19661/pdfClick here to review the Freddie Mac release. Both Enterprises indicated that their mortgage servicers will attempt to contact homeowners 30 days before their forbearance plan is scheduled to end to determine which assistance program is best for them at that time.

Updates on Court Operations Limitations and Closures
Link to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfClick here to see an updated chart identifying information and website links for the status of Court Closures and Operations Limitations for the states of Arizona, California, Nevada, Oregon, Utah and Washington.

Due to the constantly changing situation, the above and the attached may not be a comprehensive list of closures and impacts. Link to https:/www.wrightlegal.net/covid-19-informationLink to https:/www.wrightlegal.net/covid-19-informationLink to https:/www.wrightlegal.net/covid-19-informationLink to https:/www.wrightlegal.net/covid-19-informationLink to https:/www.wrightlegal.net/covid-19-informationLink to https:/www.wrightlegal.net/covid-19-informationLink to https:/www.wrightlegal.net/covid-19-informationLink to https:/www.wrightlegal.net/covid-19-informationLink to https:/www.wrightlegal.net/covid-19-informationLink to https:/www.wrightlegal.net/covid-19-informationLink to https:/www.wrightlegal.net/covid-19-informationLink to https:/www.wrightlegal.net/covid-19-informationLink to https:/www.wrightlegal.net/covid-19-informationLink to https:/www.wrightlegal.net/covid-19-informationLink to https:/www.wrightlegal.net/covid-19-informationLink to https:/www.wrightlegal.net/covid-19-informationLink to https:/www.wrightlegal.net/covid-19-informationLink to https:/www.wrightlegal.net/covid-19-informationLink to https:/www.wrightlegal.net/covid-19-informationLink to https:/www.wrightlegal.net/covid-19-informationCheck our website for the latest developments in our states. If you have additional questions or concerns regarding these important matters, please feel free to contact Robin Wright at Link to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netrwright@wrightlegal.net, Michelle Mierzwa at Link to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netmmierzwa@wrightlegal.net or Robert Finlay at Link to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netrfinlay@wrightlegal.net.


Wright, Finlay & Zak's COVID-19 Update: April 23, 2020

April 23, 2020

As with our prior notifications regarding the impact of COVID-19-related issues, the situation continues to be fluid when it comes to servicing of loans, the management of default and REO assets and litigation in the court systems. Below is an update on the latest state and local developments throughout the Western U.S. In addition, this update includes information on FHFA’s Announcement Regarding Temporary Purchase of Loans in Forbearance. As with all our updates, please keep in mind that additional orders and directives are being considered and issued by state and local jurisdictions as we speak, and we will continue to monitor all channels to provide you with updated information as it becomes available. Thanks, everyone.

FHFA Confirms Enterprises Will Purchase Certain Loans in Forbearance Status
On April 22, 2020, FHFA announced that it is approving the purchase of certain single-family mortgages in COVID-19-related forbearance that meet specific eligibility criteria. “Due to the COVID-19 pandemic, some borrowers have sought payment forbearance shortly after closing on their single-family loan and before the lender could deliver the mortgage loan to the Enterprises. Mortgage loans either in forbearance or delinquent are ineligible for delivery under Enterprise requirements. However, today's action lifts that restriction for a limited period of time and only for mortgages meeting certain eligibility criteria. Eligible loans will also be priced to mitigate the heightened risk of loss to the Enterprises from these loans.” Link to https://www.fhfa.gov/Media/PublicAffairs/Pages/FHFA-Announces-that-Enterprises-will-Purchase-Qualified-Loans.aspxLink to https://www.fhfa.gov/Media/PublicAffairs/Pages/FHFA-Announces-that-Enterprises-will-Purchase-Qualified-Loans.aspxLink to https://www.fhfa.gov/Media/PublicAffairs/Pages/FHFA-Announces-that-Enterprises-will-Purchase-Qualified-Loans.aspxLink to https://www.fhfa.gov/Media/PublicAffairs/Pages/FHFA-Announces-that-Enterprises-will-Purchase-Qualified-Loans.aspxLink to https://www.fhfa.gov/Media/PublicAffairs/Pages/FHFA-Announces-that-Enterprises-will-Purchase-Qualified-Loans.aspxLink to https://www.fhfa.gov/Media/PublicAffairs/Pages/FHFA-Announces-that-Enterprises-will-Purchase-Qualified-Loans.aspxLink to https://www.fhfa.gov/Media/PublicAffairs/Pages/FHFA-Announces-that-Enterprises-will-Purchase-Qualified-Loans.aspxLink to https://www.fhfa.gov/Media/PublicAffairs/Pages/FHFA-Announces-that-Enterprises-will-Purchase-Qualified-Loans.aspxLink to https://www.fhfa.gov/Media/PublicAffairs/Pages/FHFA-Announces-that-Enterprises-will-Purchase-Qualified-Loans.aspxLink to https://www.fhfa.gov/Media/PublicAffairs/Pages/FHFA-Announces-that-Enterprises-will-Purchase-Qualified-Loans.aspxLink to https://www.fhfa.gov/Media/PublicAffairs/Pages/FHFA-Announces-that-Enterprises-will-Purchase-Qualified-Loans.aspxLink to https://www.fhfa.gov/Media/PublicAffairs/Pages/FHFA-Announces-that-Enterprises-will-Purchase-Qualified-Loans.aspxLink to https://www.fhfa.gov/Media/PublicAffairs/Pages/FHFA-Announces-that-Enterprises-will-Purchase-Qualified-Loans.aspxLink to https://www.fhfa.gov/Media/PublicAffairs/Pages/FHFA-Announces-that-Enterprises-will-Purchase-Qualified-Loans.aspxLink to https://www.fhfa.gov/Media/PublicAffairs/Pages/FHFA-Announces-that-Enterprises-will-Purchase-Qualified-Loans.aspxLink to https://www.fhfa.gov/Media/PublicAffairs/Pages/FHFA-Announces-that-Enterprises-will-Purchase-Qualified-Loans.aspxLink to https://www.fhfa.gov/Media/PublicAffairs/Pages/FHFA-Announces-that-Enterprises-will-Purchase-Qualified-Loans.aspxLink to https://www.fhfa.gov/Media/PublicAffairs/Pages/FHFA-Announces-that-Enterprises-will-Purchase-Qualified-Loans.aspxLink to https://www.fhfa.gov/Media/PublicAffairs/Pages/FHFA-Announces-that-Enterprises-will-Purchase-Qualified-Loans.aspxLink to https://www.fhfa.gov/Media/PublicAffairs/Pages/FHFA-Announces-that-Enterprises-will-Purchase-Qualified-Loans.aspxLink to https://www.fhfa.gov/Media/PublicAffairs/Pages/FHFA-Announces-that-Enterprises-will-Purchase-Qualified-Loans.aspxLink to https://www.fhfa.gov/Media/PublicAffairs/Pages/FHFA-Announces-that-Enterprises-will-Purchase-Qualified-Loans.aspxLink to https://www.fhfa.gov/Media/PublicAffairs/Pages/FHFA-Announces-that-Enterprises-will-Purchase-Qualified-Loans.aspxLink to https://www.fhfa.gov/Media/PublicAffairs/Pages/FHFA-Announces-that-Enterprises-will-Purchase-Qualified-Loans.aspxLink to https://www.fhfa.gov/Media/PublicAffairs/Pages/FHFA-Announces-that-Enterprises-will-Purchase-Qualified-Loans.aspxLink to https://www.fhfa.gov/Media/PublicAffairs/Pages/FHFA-Announces-that-Enterprises-will-Purchase-Qualified-Loans.aspxLink to https://www.fhfa.gov/Media/PublicAffairs/Pages/FHFA-Announces-that-Enterprises-will-Purchase-Qualified-Loans.aspxLink to https://www.fhfa.gov/Media/PublicAffairs/Pages/FHFA-Announces-that-Enterprises-will-Purchase-Qualified-Loans.aspxLink to https://www.fhfa.gov/Media/PublicAffairs/Pages/FHFA-Announces-that-Enterprises-will-Purchase-Qualified-Loans.aspxLink to https://www.fhfa.gov/Media/PublicAffairs/Pages/FHFA-Announces-that-Enterprises-will-Purchase-Qualified-Loans.aspxLink to https://www.fhfa.gov/Media/PublicAffairs/Pages/FHFA-Announces-that-Enterprises-will-Purchase-Qualified-Loans.aspxLink to https://www.fhfa.gov/Media/PublicAffairs/Pages/FHFA-Announces-that-Enterprises-will-Purchase-Qualified-Loans.aspxLink to https://www.fhfa.gov/Media/PublicAffairs/Pages/FHFA-Announces-that-Enterprises-will-Purchase-Qualified-Loans.aspxLink to https://www.fhfa.gov/Media/PublicAffairs/Pages/FHFA-Announces-that-Enterprises-will-Purchase-Qualified-Loans.aspxLink to https://www.fhfa.gov/Media/PublicAffairs/Pages/FHFA-Announces-that-Enterprises-will-Purchase-Qualified-Loans.aspxClick here to review a copy of the announcement. Accordingly, Fannie Mae issued Link to https://singlefamily.fanniemae.com/media/22721/displayLink to https://singlefamily.fanniemae.com/media/22721/displayLink to https://singlefamily.fanniemae.com/media/22721/displayLink to https://singlefamily.fanniemae.com/media/22721/displayLink to https://singlefamily.fanniemae.com/media/22721/displayLink to https://singlefamily.fanniemae.com/media/22721/displayLink to https://singlefamily.fanniemae.com/media/22721/displayLink to https://singlefamily.fanniemae.com/media/22721/displayLink to https://singlefamily.fanniemae.com/media/22721/displayLink to https://singlefamily.fanniemae.com/media/22721/displayLink to https://singlefamily.fanniemae.com/media/22721/displayLink to https://singlefamily.fanniemae.com/media/22721/displayLink to https://singlefamily.fanniemae.com/media/22721/displayLink to https://singlefamily.fanniemae.com/media/22721/displayLink to https://singlefamily.fanniemae.com/media/22721/displayLink to https://singlefamily.fanniemae.com/media/22721/displayLink to https://singlefamily.fanniemae.com/media/22721/displayLink to https://singlefamily.fanniemae.com/media/22721/displayLink to https://singlefamily.fanniemae.com/media/22721/displayLink to https://singlefamily.fanniemae.com/media/22721/displayLink to https://singlefamily.fanniemae.com/media/22721/displayLink to https://singlefamily.fanniemae.com/media/22721/displayLink to https://singlefamily.fanniemae.com/media/22721/displayLink to https://singlefamily.fanniemae.com/media/22721/displayLink to https://singlefamily.fanniemae.com/media/22721/displayLink to https://singlefamily.fanniemae.com/media/22721/displayLink to https://singlefamily.fanniemae.com/media/22721/displayLink to https://singlefamily.fanniemae.com/media/22721/displayLink to https://singlefamily.fanniemae.com/media/22721/displayLink to https://singlefamily.fanniemae.com/media/22721/displayLink to https://singlefamily.fanniemae.com/media/22721/displayLink to https://singlefamily.fanniemae.com/media/22721/displayLink to https://singlefamily.fanniemae.com/media/22721/displayLink to https://singlefamily.fanniemae.com/media/22721/displayLink to https://singlefamily.fanniemae.com/media/22721/displayLender Letter 2020-06 and Freddie Mac issued Link to https://guide.freddiemac.com/app/guide/bulletin/2020-12Link to https://guide.freddiemac.com/app/guide/bulletin/2020-12Link to https://guide.freddiemac.com/app/guide/bulletin/2020-12Link to https://guide.freddiemac.com/app/guide/bulletin/2020-12Link to https://guide.freddiemac.com/app/guide/bulletin/2020-12Link to https://guide.freddiemac.com/app/guide/bulletin/2020-12Link to https://guide.freddiemac.com/app/guide/bulletin/2020-12Link to https://guide.freddiemac.com/app/guide/bulletin/2020-12Link to https://guide.freddiemac.com/app/guide/bulletin/2020-12Link to https://guide.freddiemac.com/app/guide/bulletin/2020-12Link to https://guide.freddiemac.com/app/guide/bulletin/2020-12Link to https://guide.freddiemac.com/app/guide/bulletin/2020-12Link to https://guide.freddiemac.com/app/guide/bulletin/2020-12Link to https://guide.freddiemac.com/app/guide/bulletin/2020-12Link to https://guide.freddiemac.com/app/guide/bulletin/2020-12Link to https://guide.freddiemac.com/app/guide/bulletin/2020-12Link to https://guide.freddiemac.com/app/guide/bulletin/2020-12Link to https://guide.freddiemac.com/app/guide/bulletin/2020-12Link to https://guide.freddiemac.com/app/guide/bulletin/2020-12Link to https://guide.freddiemac.com/app/guide/bulletin/2020-12Link to https://guide.freddiemac.com/app/guide/bulletin/2020-12Link to https://guide.freddiemac.com/app/guide/bulletin/2020-12Link to https://guide.freddiemac.com/app/guide/bulletin/2020-12Link to https://guide.freddiemac.com/app/guide/bulletin/2020-12Link to https://guide.freddiemac.com/app/guide/bulletin/2020-12Link to https://guide.freddiemac.com/app/guide/bulletin/2020-12Link to https://guide.freddiemac.com/app/guide/bulletin/2020-12Link to https://guide.freddiemac.com/app/guide/bulletin/2020-12Link to https://guide.freddiemac.com/app/guide/bulletin/2020-12Link to https://guide.freddiemac.com/app/guide/bulletin/2020-12Link to https://guide.freddiemac.com/app/guide/bulletin/2020-12Link to https://guide.freddiemac.com/app/guide/bulletin/2020-12Link to https://guide.freddiemac.com/app/guide/bulletin/2020-12Link to https://guide.freddiemac.com/app/guide/bulletin/2020-12Link to https://guide.freddiemac.com/app/guide/bulletin/2020-12Bulletin 2020-12. Both Enterprises indicated that loans in forbearance due to a COVID-19 hardship with note dates on or after Feb. 1, 2020 and on or before May 31, 2020 may be delivered to Fannie Mae beginning May 1, 2020, and subject to certain criteria as specified in more detail in the Lender Letter and Bulletin.

Montana’s Governor Extends Foreclosure and Eviction Moratoria
In March, Montana’s Governor placed a moratorium on foreclosures and evictions, which was set to expire on April 24. The Directive indicates it applies to all liens against real property, but it does carve out an exception for foreclosures if the borrower no longer lives at the property or if the foreclosure is based on a non-monetary default, such as destruction of the property or criminal activity. As part of his Guidance for Reopening Montana Phase One, on April 22, the Governor issued a new Directive extending the moratorium until May 24 (or for vulnerable population members until 30 days after the end of the emergency or shelter at home period). Link to http://governor.mt.gov/Portals/16/Evictions%20Foreclosures%20and%20Utilities.pdf?ver=2020-03-31-162653-427Link to http://governor.mt.gov/Portals/16/Evictions%20Foreclosures%20and%20Utilities.pdf?ver=2020-03-31-162653-427Link to http://governor.mt.gov/Portals/16/Evictions%20Foreclosures%20and%20Utilities.pdf?ver=2020-03-31-162653-427Link to http://governor.mt.gov/Portals/16/Evictions%20Foreclosures%20and%20Utilities.pdf?ver=2020-03-31-162653-427Link to http://governor.mt.gov/Portals/16/Evictions%20Foreclosures%20and%20Utilities.pdf?ver=2020-03-31-162653-427Link to http://governor.mt.gov/Portals/16/Evictions%20Foreclosures%20and%20Utilities.pdf?ver=2020-03-31-162653-427Link to http://governor.mt.gov/Portals/16/Evictions%20Foreclosures%20and%20Utilities.pdf?ver=2020-03-31-162653-427Link to http://governor.mt.gov/Portals/16/Evictions%20Foreclosures%20and%20Utilities.pdf?ver=2020-03-31-162653-427Link to http://governor.mt.gov/Portals/16/Evictions%20Foreclosures%20and%20Utilities.pdf?ver=2020-03-31-162653-427Link to http://governor.mt.gov/Portals/16/Evictions%20Foreclosures%20and%20Utilities.pdf?ver=2020-03-31-162653-427Link to http://governor.mt.gov/Portals/16/Evictions%20Foreclosures%20and%20Utilities.pdf?ver=2020-03-31-162653-427Link to http://governor.mt.gov/Portals/16/Evictions%20Foreclosures%20and%20Utilities.pdf?ver=2020-03-31-162653-427Link to http://governor.mt.gov/Portals/16/Evictions%20Foreclosures%20and%20Utilities.pdf?ver=2020-03-31-162653-427Link to http://governor.mt.gov/Portals/16/Evictions%20Foreclosures%20and%20Utilities.pdf?ver=2020-03-31-162653-427Link to http://governor.mt.gov/Portals/16/Evictions%20Foreclosures%20and%20Utilities.pdf?ver=2020-03-31-162653-427Link to http://governor.mt.gov/Portals/16/Evictions%20Foreclosures%20and%20Utilities.pdf?ver=2020-03-31-162653-427Link to http://governor.mt.gov/Portals/16/Evictions%20Foreclosures%20and%20Utilities.pdf?ver=2020-03-31-162653-427Link to http://governor.mt.gov/Portals/16/Evictions%20Foreclosures%20and%20Utilities.pdf?ver=2020-03-31-162653-427Link to http://governor.mt.gov/Portals/16/Evictions%20Foreclosures%20and%20Utilities.pdf?ver=2020-03-31-162653-427Link to http://governor.mt.gov/Portals/16/Evictions%20Foreclosures%20and%20Utilities.pdf?ver=2020-03-31-162653-427Link to http://governor.mt.gov/Portals/16/Evictions%20Foreclosures%20and%20Utilities.pdf?ver=2020-03-31-162653-427Link to http://governor.mt.gov/Portals/16/Evictions%20Foreclosures%20and%20Utilities.pdf?ver=2020-03-31-162653-427Link to http://governor.mt.gov/Portals/16/Evictions%20Foreclosures%20and%20Utilities.pdf?ver=2020-03-31-162653-427Link to http://governor.mt.gov/Portals/16/Evictions%20Foreclosures%20and%20Utilities.pdf?ver=2020-03-31-162653-427Link to http://governor.mt.gov/Portals/16/Evictions%20Foreclosures%20and%20Utilities.pdf?ver=2020-03-31-162653-427Link to http://governor.mt.gov/Portals/16/Evictions%20Foreclosures%20and%20Utilities.pdf?ver=2020-03-31-162653-427Link to http://governor.mt.gov/Portals/16/Evictions%20Foreclosures%20and%20Utilities.pdf?ver=2020-03-31-162653-427Link to http://governor.mt.gov/Portals/16/Evictions%20Foreclosures%20and%20Utilities.pdf?ver=2020-03-31-162653-427Link to http://governor.mt.gov/Portals/16/Evictions%20Foreclosures%20and%20Utilities.pdf?ver=2020-03-31-162653-427Link to http://governor.mt.gov/Portals/16/Evictions%20Foreclosures%20and%20Utilities.pdf?ver=2020-03-31-162653-427Link to http://governor.mt.gov/Portals/16/Evictions%20Foreclosures%20and%20Utilities.pdf?ver=2020-03-31-162653-427Link to http://governor.mt.gov/Portals/16/Evictions%20Foreclosures%20and%20Utilities.pdf?ver=2020-03-31-162653-427Link to http://governor.mt.gov/Portals/16/Evictions%20Foreclosures%20and%20Utilities.pdf?ver=2020-03-31-162653-427Link to http://governor.mt.gov/Portals/16/Evictions%20Foreclosures%20and%20Utilities.pdf?ver=2020-03-31-162653-427Link to http://governor.mt.gov/Portals/16/Evictions%20Foreclosures%20and%20Utilities.pdf?ver=2020-03-31-162653-427Click here to review a copy of the original March Directive and Link to https://commerce.mt.gov/Portals/90/shared/DOC/docs/04-22-20%20Directive%20and%20Appx%20-%20Reopening%20Phase%20One.pdf?ver=2020-04-23-082600-547Link to https://commerce.mt.gov/Portals/90/shared/DOC/docs/04-22-20%20Directive%20and%20Appx%20-%20Reopening%20Phase%20One.pdf?ver=2020-04-23-082600-547Link to https://commerce.mt.gov/Portals/90/shared/DOC/docs/04-22-20%20Directive%20and%20Appx%20-%20Reopening%20Phase%20One.pdf?ver=2020-04-23-082600-547Link to https://commerce.mt.gov/Portals/90/shared/DOC/docs/04-22-20%20Directive%20and%20Appx%20-%20Reopening%20Phase%20One.pdf?ver=2020-04-23-082600-547Link to https://commerce.mt.gov/Portals/90/shared/DOC/docs/04-22-20%20Directive%20and%20Appx%20-%20Reopening%20Phase%20One.pdf?ver=2020-04-23-082600-547Link to https://commerce.mt.gov/Portals/90/shared/DOC/docs/04-22-20%20Directive%20and%20Appx%20-%20Reopening%20Phase%20One.pdf?ver=2020-04-23-082600-547Link to https://commerce.mt.gov/Portals/90/shared/DOC/docs/04-22-20%20Directive%20and%20Appx%20-%20Reopening%20Phase%20One.pdf?ver=2020-04-23-082600-547Link to https://commerce.mt.gov/Portals/90/shared/DOC/docs/04-22-20%20Directive%20and%20Appx%20-%20Reopening%20Phase%20One.pdf?ver=2020-04-23-082600-547Link to https://commerce.mt.gov/Portals/90/shared/DOC/docs/04-22-20%20Directive%20and%20Appx%20-%20Reopening%20Phase%20One.pdf?ver=2020-04-23-082600-547Link to https://commerce.mt.gov/Portals/90/shared/DOC/docs/04-22-20%20Directive%20and%20Appx%20-%20Reopening%20Phase%20One.pdf?ver=2020-04-23-082600-547Link to https://commerce.mt.gov/Portals/90/shared/DOC/docs/04-22-20%20Directive%20and%20Appx%20-%20Reopening%20Phase%20One.pdf?ver=2020-04-23-082600-547Link to https://commerce.mt.gov/Portals/90/shared/DOC/docs/04-22-20%20Directive%20and%20Appx%20-%20Reopening%20Phase%20One.pdf?ver=2020-04-23-082600-547Link to https://commerce.mt.gov/Portals/90/shared/DOC/docs/04-22-20%20Directive%20and%20Appx%20-%20Reopening%20Phase%20One.pdf?ver=2020-04-23-082600-547Link to https://commerce.mt.gov/Portals/90/shared/DOC/docs/04-22-20%20Directive%20and%20Appx%20-%20Reopening%20Phase%20One.pdf?ver=2020-04-23-082600-547Link to https://commerce.mt.gov/Portals/90/shared/DOC/docs/04-22-20%20Directive%20and%20Appx%20-%20Reopening%20Phase%20One.pdf?ver=2020-04-23-082600-547Link to https://commerce.mt.gov/Portals/90/shared/DOC/docs/04-22-20%20Directive%20and%20Appx%20-%20Reopening%20Phase%20One.pdf?ver=2020-04-23-082600-547Link to https://commerce.mt.gov/Portals/90/shared/DOC/docs/04-22-20%20Directive%20and%20Appx%20-%20Reopening%20Phase%20One.pdf?ver=2020-04-23-082600-547Link to https://commerce.mt.gov/Portals/90/shared/DOC/docs/04-22-20%20Directive%20and%20Appx%20-%20Reopening%20Phase%20One.pdf?ver=2020-04-23-082600-547Link to https://commerce.mt.gov/Portals/90/shared/DOC/docs/04-22-20%20Directive%20and%20Appx%20-%20Reopening%20Phase%20One.pdf?ver=2020-04-23-082600-547Link to https://commerce.mt.gov/Portals/90/shared/DOC/docs/04-22-20%20Directive%20and%20Appx%20-%20Reopening%20Phase%20One.pdf?ver=2020-04-23-082600-547Link to https://commerce.mt.gov/Portals/90/shared/DOC/docs/04-22-20%20Directive%20and%20Appx%20-%20Reopening%20Phase%20One.pdf?ver=2020-04-23-082600-547Link to https://commerce.mt.gov/Portals/90/shared/DOC/docs/04-22-20%20Directive%20and%20Appx%20-%20Reopening%20Phase%20One.pdf?ver=2020-04-23-082600-547Link to https://commerce.mt.gov/Portals/90/shared/DOC/docs/04-22-20%20Directive%20and%20Appx%20-%20Reopening%20Phase%20One.pdf?ver=2020-04-23-082600-547Link to https://commerce.mt.gov/Portals/90/shared/DOC/docs/04-22-20%20Directive%20and%20Appx%20-%20Reopening%20Phase%20One.pdf?ver=2020-04-23-082600-547Link to https://commerce.mt.gov/Portals/90/shared/DOC/docs/04-22-20%20Directive%20and%20Appx%20-%20Reopening%20Phase%20One.pdf?ver=2020-04-23-082600-547Link to https://commerce.mt.gov/Portals/90/shared/DOC/docs/04-22-20%20Directive%20and%20Appx%20-%20Reopening%20Phase%20One.pdf?ver=2020-04-23-082600-547Link to https://commerce.mt.gov/Portals/90/shared/DOC/docs/04-22-20%20Directive%20and%20Appx%20-%20Reopening%20Phase%20One.pdf?ver=2020-04-23-082600-547Link to https://commerce.mt.gov/Portals/90/shared/DOC/docs/04-22-20%20Directive%20and%20Appx%20-%20Reopening%20Phase%20One.pdf?ver=2020-04-23-082600-547Link to https://commerce.mt.gov/Portals/90/shared/DOC/docs/04-22-20%20Directive%20and%20Appx%20-%20Reopening%20Phase%20One.pdf?ver=2020-04-23-082600-547Link to https://commerce.mt.gov/Portals/90/shared/DOC/docs/04-22-20%20Directive%20and%20Appx%20-%20Reopening%20Phase%20One.pdf?ver=2020-04-23-082600-547Link to https://commerce.mt.gov/Portals/90/shared/DOC/docs/04-22-20%20Directive%20and%20Appx%20-%20Reopening%20Phase%20One.pdf?ver=2020-04-23-082600-547Link to https://commerce.mt.gov/Portals/90/shared/DOC/docs/04-22-20%20Directive%20and%20Appx%20-%20Reopening%20Phase%20One.pdf?ver=2020-04-23-082600-547Link to https://commerce.mt.gov/Portals/90/shared/DOC/docs/04-22-20%20Directive%20and%20Appx%20-%20Reopening%20Phase%20One.pdf?ver=2020-04-23-082600-547Link to https://commerce.mt.gov/Portals/90/shared/DOC/docs/04-22-20%20Directive%20and%20Appx%20-%20Reopening%20Phase%20One.pdf?ver=2020-04-23-082600-547Link to https://commerce.mt.gov/Portals/90/shared/DOC/docs/04-22-20%20Directive%20and%20Appx%20-%20Reopening%20Phase%20One.pdf?ver=2020-04-23-082600-547click here to review a copy of the April 22 Directive containing the extension.

New Mexico Supreme Court Orders Stay on Eviction Proceedings
The New Mexico Supreme Court has placed a hold on execution of writs of restitution for evictions only for non-payment of rent and only when a tenant can articulate an impact on the inability to pay. That said, many Court and County offices have been closed, so most judicial actions are on hold anyway, hearings have been continued, etc. Link to https://www.nmcourts.gov/uploads/FileLinks/a6efaf23676f4c45a95fdb3d71caea83/Order_No._20_8500_007__Staying_Execution_of_Writs_of_Restitution_in_Eviction_Proceedings_3_24_20_.pdfLink to https://www.nmcourts.gov/uploads/FileLinks/a6efaf23676f4c45a95fdb3d71caea83/Order_No._20_8500_007__Staying_Execution_of_Writs_of_Restitution_in_Eviction_Proceedings_3_24_20_.pdfLink to https://www.nmcourts.gov/uploads/FileLinks/a6efaf23676f4c45a95fdb3d71caea83/Order_No._20_8500_007__Staying_Execution_of_Writs_of_Restitution_in_Eviction_Proceedings_3_24_20_.pdfLink to https://www.nmcourts.gov/uploads/FileLinks/a6efaf23676f4c45a95fdb3d71caea83/Order_No._20_8500_007__Staying_Execution_of_Writs_of_Restitution_in_Eviction_Proceedings_3_24_20_.pdfLink to https://www.nmcourts.gov/uploads/FileLinks/a6efaf23676f4c45a95fdb3d71caea83/Order_No._20_8500_007__Staying_Execution_of_Writs_of_Restitution_in_Eviction_Proceedings_3_24_20_.pdfLink to https://www.nmcourts.gov/uploads/FileLinks/a6efaf23676f4c45a95fdb3d71caea83/Order_No._20_8500_007__Staying_Execution_of_Writs_of_Restitution_in_Eviction_Proceedings_3_24_20_.pdfLink to https://www.nmcourts.gov/uploads/FileLinks/a6efaf23676f4c45a95fdb3d71caea83/Order_No._20_8500_007__Staying_Execution_of_Writs_of_Restitution_in_Eviction_Proceedings_3_24_20_.pdfLink to https://www.nmcourts.gov/uploads/FileLinks/a6efaf23676f4c45a95fdb3d71caea83/Order_No._20_8500_007__Staying_Execution_of_Writs_of_Restitution_in_Eviction_Proceedings_3_24_20_.pdfLink to https://www.nmcourts.gov/uploads/FileLinks/a6efaf23676f4c45a95fdb3d71caea83/Order_No._20_8500_007__Staying_Execution_of_Writs_of_Restitution_in_Eviction_Proceedings_3_24_20_.pdfLink to https://www.nmcourts.gov/uploads/FileLinks/a6efaf23676f4c45a95fdb3d71caea83/Order_No._20_8500_007__Staying_Execution_of_Writs_of_Restitution_in_Eviction_Proceedings_3_24_20_.pdfLink to https://www.nmcourts.gov/uploads/FileLinks/a6efaf23676f4c45a95fdb3d71caea83/Order_No._20_8500_007__Staying_Execution_of_Writs_of_Restitution_in_Eviction_Proceedings_3_24_20_.pdfLink to https://www.nmcourts.gov/uploads/FileLinks/a6efaf23676f4c45a95fdb3d71caea83/Order_No._20_8500_007__Staying_Execution_of_Writs_of_Restitution_in_Eviction_Proceedings_3_24_20_.pdfLink to https://www.nmcourts.gov/uploads/FileLinks/a6efaf23676f4c45a95fdb3d71caea83/Order_No._20_8500_007__Staying_Execution_of_Writs_of_Restitution_in_Eviction_Proceedings_3_24_20_.pdfLink to https://www.nmcourts.gov/uploads/FileLinks/a6efaf23676f4c45a95fdb3d71caea83/Order_No._20_8500_007__Staying_Execution_of_Writs_of_Restitution_in_Eviction_Proceedings_3_24_20_.pdfLink to https://www.nmcourts.gov/uploads/FileLinks/a6efaf23676f4c45a95fdb3d71caea83/Order_No._20_8500_007__Staying_Execution_of_Writs_of_Restitution_in_Eviction_Proceedings_3_24_20_.pdfLink to https://www.nmcourts.gov/uploads/FileLinks/a6efaf23676f4c45a95fdb3d71caea83/Order_No._20_8500_007__Staying_Execution_of_Writs_of_Restitution_in_Eviction_Proceedings_3_24_20_.pdfLink to https://www.nmcourts.gov/uploads/FileLinks/a6efaf23676f4c45a95fdb3d71caea83/Order_No._20_8500_007__Staying_Execution_of_Writs_of_Restitution_in_Eviction_Proceedings_3_24_20_.pdfLink to https://www.nmcourts.gov/uploads/FileLinks/a6efaf23676f4c45a95fdb3d71caea83/Order_No._20_8500_007__Staying_Execution_of_Writs_of_Restitution_in_Eviction_Proceedings_3_24_20_.pdfLink to https://www.nmcourts.gov/uploads/FileLinks/a6efaf23676f4c45a95fdb3d71caea83/Order_No._20_8500_007__Staying_Execution_of_Writs_of_Restitution_in_Eviction_Proceedings_3_24_20_.pdfLink to https://www.nmcourts.gov/uploads/FileLinks/a6efaf23676f4c45a95fdb3d71caea83/Order_No._20_8500_007__Staying_Execution_of_Writs_of_Restitution_in_Eviction_Proceedings_3_24_20_.pdfLink to https://www.nmcourts.gov/uploads/FileLinks/a6efaf23676f4c45a95fdb3d71caea83/Order_No._20_8500_007__Staying_Execution_of_Writs_of_Restitution_in_Eviction_Proceedings_3_24_20_.pdfLink to https://www.nmcourts.gov/uploads/FileLinks/a6efaf23676f4c45a95fdb3d71caea83/Order_No._20_8500_007__Staying_Execution_of_Writs_of_Restitution_in_Eviction_Proceedings_3_24_20_.pdfLink to https://www.nmcourts.gov/uploads/FileLinks/a6efaf23676f4c45a95fdb3d71caea83/Order_No._20_8500_007__Staying_Execution_of_Writs_of_Restitution_in_Eviction_Proceedings_3_24_20_.pdfLink to https://www.nmcourts.gov/uploads/FileLinks/a6efaf23676f4c45a95fdb3d71caea83/Order_No._20_8500_007__Staying_Execution_of_Writs_of_Restitution_in_Eviction_Proceedings_3_24_20_.pdfLink to https://www.nmcourts.gov/uploads/FileLinks/a6efaf23676f4c45a95fdb3d71caea83/Order_No._20_8500_007__Staying_Execution_of_Writs_of_Restitution_in_Eviction_Proceedings_3_24_20_.pdfLink to https://www.nmcourts.gov/uploads/FileLinks/a6efaf23676f4c45a95fdb3d71caea83/Order_No._20_8500_007__Staying_Execution_of_Writs_of_Restitution_in_Eviction_Proceedings_3_24_20_.pdfLink to https://www.nmcourts.gov/uploads/FileLinks/a6efaf23676f4c45a95fdb3d71caea83/Order_No._20_8500_007__Staying_Execution_of_Writs_of_Restitution_in_Eviction_Proceedings_3_24_20_.pdfLink to https://www.nmcourts.gov/uploads/FileLinks/a6efaf23676f4c45a95fdb3d71caea83/Order_No._20_8500_007__Staying_Execution_of_Writs_of_Restitution_in_Eviction_Proceedings_3_24_20_.pdfLink to https://www.nmcourts.gov/uploads/FileLinks/a6efaf23676f4c45a95fdb3d71caea83/Order_No._20_8500_007__Staying_Execution_of_Writs_of_Restitution_in_Eviction_Proceedings_3_24_20_.pdfLink to https://www.nmcourts.gov/uploads/FileLinks/a6efaf23676f4c45a95fdb3d71caea83/Order_No._20_8500_007__Staying_Execution_of_Writs_of_Restitution_in_Eviction_Proceedings_3_24_20_.pdfLink to https://www.nmcourts.gov/uploads/FileLinks/a6efaf23676f4c45a95fdb3d71caea83/Order_No._20_8500_007__Staying_Execution_of_Writs_of_Restitution_in_Eviction_Proceedings_3_24_20_.pdfLink to https://www.nmcourts.gov/uploads/FileLinks/a6efaf23676f4c45a95fdb3d71caea83/Order_No._20_8500_007__Staying_Execution_of_Writs_of_Restitution_in_Eviction_Proceedings_3_24_20_.pdfLink to https://www.nmcourts.gov/uploads/FileLinks/a6efaf23676f4c45a95fdb3d71caea83/Order_No._20_8500_007__Staying_Execution_of_Writs_of_Restitution_in_Eviction_Proceedings_3_24_20_.pdfLink to https://www.nmcourts.gov/uploads/FileLinks/a6efaf23676f4c45a95fdb3d71caea83/Order_No._20_8500_007__Staying_Execution_of_Writs_of_Restitution_in_Eviction_Proceedings_3_24_20_.pdfLink to https://www.nmcourts.gov/uploads/FileLinks/a6efaf23676f4c45a95fdb3d71caea83/Order_No._20_8500_007__Staying_Execution_of_Writs_of_Restitution_in_Eviction_Proceedings_3_24_20_.pdfClick here to review a copy of the Order.

Updates on Court Operations Limitations and Closures
Link to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfClick here to see an updated chart identifying information and website links for the status of Court Closures and Operations Limitations for the states of Arizona, California, Nevada, Oregon, Utah and Washington.

Due to the constantly changing situation, the above and the attached may not be a comprehensive list of closures and impacts. Keep checking this website for the latest developments in our states. If you have additional questions or concerns regarding these important matters, please feel free to contact Link to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netRobin Wright, Link to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netMichelle Mierzwa or Link to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netRobert Finlay.


Wright, Finlay & Zak's COVID-19 Update: April 21, 2020

April 21, 2020

As with our prior notifications regarding the impact of COVID-19-related issues, the situation continues to be fluid when it comes to servicing of loans, the management of default and REO assets and litigation in the court systems. Below is an update on the latest state and local developments throughout the Western U.S. In addition, this update also includes an update on FHFA’s Servicer Liquidity Concerns due to COVID-19. As with all our updates, please keep in mind that additional orders and directives are being considered and issued by state and local jurisdictions as we speak, and we will continue to monitor all channels to provide you with updated information as it becomes available. Thanks, everyone.

FHFA Announces Program Changes to Address Servicer Liquidity Concerns
On April 21, the Federal Housing Finance Agency (“FHFA”) addressed servicers’ concerns regarding liquidity by announcing a four-month servicer advance obligation limit for loans in forbearance. “Once a servicer has advanced four months of missed payments on a loan, it will have no further obligation to advance scheduled payments. This applies to all Enterprise servicers regardless of size.” The announcement also clarifies that loans in COVID-19 forbearance will be treated similar to natural disaster forbearance, and will not require the loans to be purchased out of Mortgage Backed Security pools. Link to https://www.fhfa.gov/mobile/Pages/public-affairs-detail.aspx?PageName=FHFA-Addresses-Servicer-Liquidity-Concerns-Announces-Four-Month-Advance-Obligation-Limit-for-Loans-in-Forbearance.aspxLink to https://www.fhfa.gov/mobile/Pages/public-affairs-detail.aspx?PageName=FHFA-Addresses-Servicer-Liquidity-Concerns-Announces-Four-Month-Advance-Obligation-Limit-for-Loans-in-Forbearance.aspxLink to https://www.fhfa.gov/mobile/Pages/public-affairs-detail.aspx?PageName=FHFA-Addresses-Servicer-Liquidity-Concerns-Announces-Four-Month-Advance-Obligation-Limit-for-Loans-in-Forbearance.aspxLink to https://www.fhfa.gov/mobile/Pages/public-affairs-detail.aspx?PageName=FHFA-Addresses-Servicer-Liquidity-Concerns-Announces-Four-Month-Advance-Obligation-Limit-for-Loans-in-Forbearance.aspxLink to https://www.fhfa.gov/mobile/Pages/public-affairs-detail.aspx?PageName=FHFA-Addresses-Servicer-Liquidity-Concerns-Announces-Four-Month-Advance-Obligation-Limit-for-Loans-in-Forbearance.aspxLink to https://www.fhfa.gov/mobile/Pages/public-affairs-detail.aspx?PageName=FHFA-Addresses-Servicer-Liquidity-Concerns-Announces-Four-Month-Advance-Obligation-Limit-for-Loans-in-Forbearance.aspxLink to https://www.fhfa.gov/mobile/Pages/public-affairs-detail.aspx?PageName=FHFA-Addresses-Servicer-Liquidity-Concerns-Announces-Four-Month-Advance-Obligation-Limit-for-Loans-in-Forbearance.aspxLink to https://www.fhfa.gov/mobile/Pages/public-affairs-detail.aspx?PageName=FHFA-Addresses-Servicer-Liquidity-Concerns-Announces-Four-Month-Advance-Obligation-Limit-for-Loans-in-Forbearance.aspxLink to https://www.fhfa.gov/mobile/Pages/public-affairs-detail.aspx?PageName=FHFA-Addresses-Servicer-Liquidity-Concerns-Announces-Four-Month-Advance-Obligation-Limit-for-Loans-in-Forbearance.aspxLink to https://www.fhfa.gov/mobile/Pages/public-affairs-detail.aspx?PageName=FHFA-Addresses-Servicer-Liquidity-Concerns-Announces-Four-Month-Advance-Obligation-Limit-for-Loans-in-Forbearance.aspxLink to https://www.fhfa.gov/mobile/Pages/public-affairs-detail.aspx?PageName=FHFA-Addresses-Servicer-Liquidity-Concerns-Announces-Four-Month-Advance-Obligation-Limit-for-Loans-in-Forbearance.aspxLink to https://www.fhfa.gov/mobile/Pages/public-affairs-detail.aspx?PageName=FHFA-Addresses-Servicer-Liquidity-Concerns-Announces-Four-Month-Advance-Obligation-Limit-for-Loans-in-Forbearance.aspxLink to https://www.fhfa.gov/mobile/Pages/public-affairs-detail.aspx?PageName=FHFA-Addresses-Servicer-Liquidity-Concerns-Announces-Four-Month-Advance-Obligation-Limit-for-Loans-in-Forbearance.aspxLink to https://www.fhfa.gov/mobile/Pages/public-affairs-detail.aspx?PageName=FHFA-Addresses-Servicer-Liquidity-Concerns-Announces-Four-Month-Advance-Obligation-Limit-for-Loans-in-Forbearance.aspxLink to https://www.fhfa.gov/mobile/Pages/public-affairs-detail.aspx?PageName=FHFA-Addresses-Servicer-Liquidity-Concerns-Announces-Four-Month-Advance-Obligation-Limit-for-Loans-in-Forbearance.aspxLink to https://www.fhfa.gov/mobile/Pages/public-affairs-detail.aspx?PageName=FHFA-Addresses-Servicer-Liquidity-Concerns-Announces-Four-Month-Advance-Obligation-Limit-for-Loans-in-Forbearance.aspxLink to https://www.fhfa.gov/mobile/Pages/public-affairs-detail.aspx?PageName=FHFA-Addresses-Servicer-Liquidity-Concerns-Announces-Four-Month-Advance-Obligation-Limit-for-Loans-in-Forbearance.aspxLink to https://www.fhfa.gov/mobile/Pages/public-affairs-detail.aspx?PageName=FHFA-Addresses-Servicer-Liquidity-Concerns-Announces-Four-Month-Advance-Obligation-Limit-for-Loans-in-Forbearance.aspxLink to https://www.fhfa.gov/mobile/Pages/public-affairs-detail.aspx?PageName=FHFA-Addresses-Servicer-Liquidity-Concerns-Announces-Four-Month-Advance-Obligation-Limit-for-Loans-in-Forbearance.aspxLink to https://www.fhfa.gov/mobile/Pages/public-affairs-detail.aspx?PageName=FHFA-Addresses-Servicer-Liquidity-Concerns-Announces-Four-Month-Advance-Obligation-Limit-for-Loans-in-Forbearance.aspxLink to https://www.fhfa.gov/mobile/Pages/public-affairs-detail.aspx?PageName=FHFA-Addresses-Servicer-Liquidity-Concerns-Announces-Four-Month-Advance-Obligation-Limit-for-Loans-in-Forbearance.aspxLink to https://www.fhfa.gov/mobile/Pages/public-affairs-detail.aspx?PageName=FHFA-Addresses-Servicer-Liquidity-Concerns-Announces-Four-Month-Advance-Obligation-Limit-for-Loans-in-Forbearance.aspxLink to https://www.fhfa.gov/mobile/Pages/public-affairs-detail.aspx?PageName=FHFA-Addresses-Servicer-Liquidity-Concerns-Announces-Four-Month-Advance-Obligation-Limit-for-Loans-in-Forbearance.aspxLink to https://www.fhfa.gov/mobile/Pages/public-affairs-detail.aspx?PageName=FHFA-Addresses-Servicer-Liquidity-Concerns-Announces-Four-Month-Advance-Obligation-Limit-for-Loans-in-Forbearance.aspxLink to https://www.fhfa.gov/mobile/Pages/public-affairs-detail.aspx?PageName=FHFA-Addresses-Servicer-Liquidity-Concerns-Announces-Four-Month-Advance-Obligation-Limit-for-Loans-in-Forbearance.aspxLink to https://www.fhfa.gov/mobile/Pages/public-affairs-detail.aspx?PageName=FHFA-Addresses-Servicer-Liquidity-Concerns-Announces-Four-Month-Advance-Obligation-Limit-for-Loans-in-Forbearance.aspxLink to https://www.fhfa.gov/mobile/Pages/public-affairs-detail.aspx?PageName=FHFA-Addresses-Servicer-Liquidity-Concerns-Announces-Four-Month-Advance-Obligation-Limit-for-Loans-in-Forbearance.aspxLink to https://www.fhfa.gov/mobile/Pages/public-affairs-detail.aspx?PageName=FHFA-Addresses-Servicer-Liquidity-Concerns-Announces-Four-Month-Advance-Obligation-Limit-for-Loans-in-Forbearance.aspxLink to https://www.fhfa.gov/mobile/Pages/public-affairs-detail.aspx?PageName=FHFA-Addresses-Servicer-Liquidity-Concerns-Announces-Four-Month-Advance-Obligation-Limit-for-Loans-in-Forbearance.aspxLink to https://www.fhfa.gov/mobile/Pages/public-affairs-detail.aspx?PageName=FHFA-Addresses-Servicer-Liquidity-Concerns-Announces-Four-Month-Advance-Obligation-Limit-for-Loans-in-Forbearance.aspxLink to https://www.fhfa.gov/mobile/Pages/public-affairs-detail.aspx?PageName=FHFA-Addresses-Servicer-Liquidity-Concerns-Announces-Four-Month-Advance-Obligation-Limit-for-Loans-in-Forbearance.aspxLink to https://www.fhfa.gov/mobile/Pages/public-affairs-detail.aspx?PageName=FHFA-Addresses-Servicer-Liquidity-Concerns-Announces-Four-Month-Advance-Obligation-Limit-for-Loans-in-Forbearance.aspxLink to https://www.fhfa.gov/mobile/Pages/public-affairs-detail.aspx?PageName=FHFA-Addresses-Servicer-Liquidity-Concerns-Announces-Four-Month-Advance-Obligation-Limit-for-Loans-in-Forbearance.aspxLink to https://www.fhfa.gov/mobile/Pages/public-affairs-detail.aspx?PageName=FHFA-Addresses-Servicer-Liquidity-Concerns-Announces-Four-Month-Advance-Obligation-Limit-for-Loans-in-Forbearance.aspxLink to https://www.fhfa.gov/mobile/Pages/public-affairs-detail.aspx?PageName=FHFA-Addresses-Servicer-Liquidity-Concerns-Announces-Four-Month-Advance-Obligation-Limit-for-Loans-in-Forbearance.aspxLink to https://www.fhfa.gov/mobile/Pages/public-affairs-detail.aspx?PageName=FHFA-Addresses-Servicer-Liquidity-Concerns-Announces-Four-Month-Advance-Obligation-Limit-for-Loans-in-Forbearance.aspxLink to https://www.fhfa.gov/mobile/Pages/public-affairs-detail.aspx?PageName=FHFA-Addresses-Servicer-Liquidity-Concerns-Announces-Four-Month-Advance-Obligation-Limit-for-Loans-in-Forbearance.aspxClick here to review the announcement.

County of San Diego Issues Stay at Home Order
Effective April 10, 2020, the County of San Diego issued an Order of the Health Officer and Emergency Regulations good through April 30, 2020. Among other things, the Order: (1) requires all persons to remain in their homes except for employees and customers traveling to and from essential businesses or activities; (2) prohibits all public or private gatherings that bring together more than one person outside of a single family/household; and (3) requires all businesses not identified as essential to close and remain closed during the Order, unless employees and owners can operate the business from home without direct public contact. The Order cites to the CISA Critical Infrastructure Workers identified in the California Governor’s Order for a definition of essential businesses, which includes a broad description of Financial Services Sector businesses. However, the public gathering limitation will likely preclude the conduct of foreclosure sales in the County. Link to https://www.sandiegocounty.gov/content/dam/sdc/hhsa/programs/phs/Epidemiology/HealthOfficerOrderCOVID19.pdfLink to https://www.sandiegocounty.gov/content/dam/sdc/hhsa/programs/phs/Epidemiology/HealthOfficerOrderCOVID19.pdfLink to https://www.sandiegocounty.gov/content/dam/sdc/hhsa/programs/phs/Epidemiology/HealthOfficerOrderCOVID19.pdfLink to https://www.sandiegocounty.gov/content/dam/sdc/hhsa/programs/phs/Epidemiology/HealthOfficerOrderCOVID19.pdfLink to https://www.sandiegocounty.gov/content/dam/sdc/hhsa/programs/phs/Epidemiology/HealthOfficerOrderCOVID19.pdfLink to https://www.sandiegocounty.gov/content/dam/sdc/hhsa/programs/phs/Epidemiology/HealthOfficerOrderCOVID19.pdfLink to https://www.sandiegocounty.gov/content/dam/sdc/hhsa/programs/phs/Epidemiology/HealthOfficerOrderCOVID19.pdfLink to https://www.sandiegocounty.gov/content/dam/sdc/hhsa/programs/phs/Epidemiology/HealthOfficerOrderCOVID19.pdfLink to https://www.sandiegocounty.gov/content/dam/sdc/hhsa/programs/phs/Epidemiology/HealthOfficerOrderCOVID19.pdfLink to https://www.sandiegocounty.gov/content/dam/sdc/hhsa/programs/phs/Epidemiology/HealthOfficerOrderCOVID19.pdfLink to https://www.sandiegocounty.gov/content/dam/sdc/hhsa/programs/phs/Epidemiology/HealthOfficerOrderCOVID19.pdfLink to https://www.sandiegocounty.gov/content/dam/sdc/hhsa/programs/phs/Epidemiology/HealthOfficerOrderCOVID19.pdfLink to https://www.sandiegocounty.gov/content/dam/sdc/hhsa/programs/phs/Epidemiology/HealthOfficerOrderCOVID19.pdfLink to https://www.sandiegocounty.gov/content/dam/sdc/hhsa/programs/phs/Epidemiology/HealthOfficerOrderCOVID19.pdfLink to https://www.sandiegocounty.gov/content/dam/sdc/hhsa/programs/phs/Epidemiology/HealthOfficerOrderCOVID19.pdfLink to https://www.sandiegocounty.gov/content/dam/sdc/hhsa/programs/phs/Epidemiology/HealthOfficerOrderCOVID19.pdfLink to https://www.sandiegocounty.gov/content/dam/sdc/hhsa/programs/phs/Epidemiology/HealthOfficerOrderCOVID19.pdfLink to https://www.sandiegocounty.gov/content/dam/sdc/hhsa/programs/phs/Epidemiology/HealthOfficerOrderCOVID19.pdfLink to https://www.sandiegocounty.gov/content/dam/sdc/hhsa/programs/phs/Epidemiology/HealthOfficerOrderCOVID19.pdfLink to https://www.sandiegocounty.gov/content/dam/sdc/hhsa/programs/phs/Epidemiology/HealthOfficerOrderCOVID19.pdfLink to https://www.sandiegocounty.gov/content/dam/sdc/hhsa/programs/phs/Epidemiology/HealthOfficerOrderCOVID19.pdfLink to https://www.sandiegocounty.gov/content/dam/sdc/hhsa/programs/phs/Epidemiology/HealthOfficerOrderCOVID19.pdfLink to https://www.sandiegocounty.gov/content/dam/sdc/hhsa/programs/phs/Epidemiology/HealthOfficerOrderCOVID19.pdfLink to https://www.sandiegocounty.gov/content/dam/sdc/hhsa/programs/phs/Epidemiology/HealthOfficerOrderCOVID19.pdfLink to https://www.sandiegocounty.gov/content/dam/sdc/hhsa/programs/phs/Epidemiology/HealthOfficerOrderCOVID19.pdfLink to https://www.sandiegocounty.gov/content/dam/sdc/hhsa/programs/phs/Epidemiology/HealthOfficerOrderCOVID19.pdfLink to https://www.sandiegocounty.gov/content/dam/sdc/hhsa/programs/phs/Epidemiology/HealthOfficerOrderCOVID19.pdfLink to https://www.sandiegocounty.gov/content/dam/sdc/hhsa/programs/phs/Epidemiology/HealthOfficerOrderCOVID19.pdfLink to https://www.sandiegocounty.gov/content/dam/sdc/hhsa/programs/phs/Epidemiology/HealthOfficerOrderCOVID19.pdfLink to https://www.sandiegocounty.gov/content/dam/sdc/hhsa/programs/phs/Epidemiology/HealthOfficerOrderCOVID19.pdfLink to https://www.sandiegocounty.gov/content/dam/sdc/hhsa/programs/phs/Epidemiology/HealthOfficerOrderCOVID19.pdfLink to https://www.sandiegocounty.gov/content/dam/sdc/hhsa/programs/phs/Epidemiology/HealthOfficerOrderCOVID19.pdfLink to https://www.sandiegocounty.gov/content/dam/sdc/hhsa/programs/phs/Epidemiology/HealthOfficerOrderCOVID19.pdfLink to https://www.sandiegocounty.gov/content/dam/sdc/hhsa/programs/phs/Epidemiology/HealthOfficerOrderCOVID19.pdfLink to https://www.sandiegocounty.gov/content/dam/sdc/hhsa/programs/phs/Epidemiology/HealthOfficerOrderCOVID19.pdfLink to https://www.sandiegocounty.gov/content/dam/sdc/hhsa/programs/phs/Epidemiology/HealthOfficerOrderCOVID19.pdfLink to https://www.sandiegocounty.gov/content/dam/sdc/hhsa/programs/phs/Epidemiology/HealthOfficerOrderCOVID19.pdfClick here to review a copy of the San Diego Order.

Updates on Court Operations Limitations and Closures
Link to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfClick here to see an updated chart identifying information and website links for the status of Court Closures and Operations Limitations for the states of Arizona, California, Nevada, Oregon, Utah and Washington.

Due to the constantly changing situation, the above and the attached may not be a comprehensive list of closures and impacts. Keep checking this website for the latest developments in our states. If you have additional questions or concerns regarding these important matters, please feel free to contact Link to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netRobin Wright, Link to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netMichelle Mierzwa or Link to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netRobert Finlay.


Wright, Finlay & Zak's COVID-19 Update: April 17, 2020

April 17, 2020

As with our prior notifications regarding the impact of COVID-19-related issues, the situation continues to be fluid when it comes to servicing of loans, the management of default and REO assets and litigation in the court systems. Below is an update on the latest state and local developments throughout the Western U.S. In addition, this update also includes a State-by-State Grid of Western Region Foreclosure and Eviction Limitations due to COVID-19. As with all our updates, please keep in mind that additional orders and directives are being considered and issued by state and local jurisdictions as we speak, and we will continue to monitor all channels to provide you with updated information as it becomes available. Thanks, everyone.

Washington’s Governor Enhances and Extends Eviction Moratorium
As previously reported, Washington’s Governor ordered a moratorium on residential eviction notices and restitution complaints from March 18th to April 17th, prohibiting prosecution of residential evictions except in the case of health and safety issues, waste, nuisance or criminal activity. In addition, the Supreme Court of Washington issued an emergency order that all non-emergency civil matters and trials (including eviction matters) be continued to a date after April 24, 2020. On April 16, 2020, Washington’s Governor substantially amended and extended the eviction moratoria through June 4, 2020. The Order now prohibits all notices to vacate and terminations of any dwelling tenancies that have expired or will expire during the applicable period, unless the termination is necessary for the health and safety of others due to issued created by the tenant. The prohibition also applies to enforcement of existing judicial eviction orders or agreements to vacate dwellings, with the same health and safety exception. The Order also prohibits the assessment of late fees for late or non-payment of rent or other charges related to non-payment where it occurred on or after the February 29th State of Emergency Proclamation. Incredibly, the Order also prohibits the collection of unpaid dwelling rents not paid after 2/29/20 due to COVID-19 as enforceable debts, recovery from a security deposit, credit reporting or as the subject of an unlawful detainer or other judicial action, UNLESS the landlord or collection agent “demonstrates by a preponderance of the evidence to a court that the resident was offered, and refused or failed to comply with, a re-payment plan that was reasonable based on the individual financial, health, and other circumstances of that resident.” Finally, the Order prohibits landlords from increasing rents for a dwelling and prohibits commercial rent increases if the commercial tenant has been materially impacted by COVID-19, as specified. Link to https://www.governor.wa.gov/sites/default/files/proclamations/20-19.1%20-%20COVID-19%20Moratorium%20on%20Evictions%20Extension%20%28tmp%29.pdfLink to https://www.governor.wa.gov/sites/default/files/proclamations/20-19.1%20-%20COVID-19%20Moratorium%20on%20Evictions%20Extension%20%28tmp%29.pdfLink to https://www.governor.wa.gov/sites/default/files/proclamations/20-19.1%20-%20COVID-19%20Moratorium%20on%20Evictions%20Extension%20%28tmp%29.pdfLink to https://www.governor.wa.gov/sites/default/files/proclamations/20-19.1%20-%20COVID-19%20Moratorium%20on%20Evictions%20Extension%20%28tmp%29.pdfLink to https://www.governor.wa.gov/sites/default/files/proclamations/20-19.1%20-%20COVID-19%20Moratorium%20on%20Evictions%20Extension%20%28tmp%29.pdfLink to https://www.governor.wa.gov/sites/default/files/proclamations/20-19.1%20-%20COVID-19%20Moratorium%20on%20Evictions%20Extension%20%28tmp%29.pdfLink to https://www.governor.wa.gov/sites/default/files/proclamations/20-19.1%20-%20COVID-19%20Moratorium%20on%20Evictions%20Extension%20%28tmp%29.pdfLink to https://www.governor.wa.gov/sites/default/files/proclamations/20-19.1%20-%20COVID-19%20Moratorium%20on%20Evictions%20Extension%20%28tmp%29.pdfLink to https://www.governor.wa.gov/sites/default/files/proclamations/20-19.1%20-%20COVID-19%20Moratorium%20on%20Evictions%20Extension%20%28tmp%29.pdfLink to https://www.governor.wa.gov/sites/default/files/proclamations/20-19.1%20-%20COVID-19%20Moratorium%20on%20Evictions%20Extension%20%28tmp%29.pdfLink to https://www.governor.wa.gov/sites/default/files/proclamations/20-19.1%20-%20COVID-19%20Moratorium%20on%20Evictions%20Extension%20%28tmp%29.pdfLink to https://www.governor.wa.gov/sites/default/files/proclamations/20-19.1%20-%20COVID-19%20Moratorium%20on%20Evictions%20Extension%20%28tmp%29.pdfLink to https://www.governor.wa.gov/sites/default/files/proclamations/20-19.1%20-%20COVID-19%20Moratorium%20on%20Evictions%20Extension%20%28tmp%29.pdfLink to https://www.governor.wa.gov/sites/default/files/proclamations/20-19.1%20-%20COVID-19%20Moratorium%20on%20Evictions%20Extension%20%28tmp%29.pdfLink to https://www.governor.wa.gov/sites/default/files/proclamations/20-19.1%20-%20COVID-19%20Moratorium%20on%20Evictions%20Extension%20%28tmp%29.pdfLink to https://www.governor.wa.gov/sites/default/files/proclamations/20-19.1%20-%20COVID-19%20Moratorium%20on%20Evictions%20Extension%20%28tmp%29.pdfLink to https://www.governor.wa.gov/sites/default/files/proclamations/20-19.1%20-%20COVID-19%20Moratorium%20on%20Evictions%20Extension%20%28tmp%29.pdfLink to https://www.governor.wa.gov/sites/default/files/proclamations/20-19.1%20-%20COVID-19%20Moratorium%20on%20Evictions%20Extension%20%28tmp%29.pdfLink to https://www.governor.wa.gov/sites/default/files/proclamations/20-19.1%20-%20COVID-19%20Moratorium%20on%20Evictions%20Extension%20%28tmp%29.pdfLink to https://www.governor.wa.gov/sites/default/files/proclamations/20-19.1%20-%20COVID-19%20Moratorium%20on%20Evictions%20Extension%20%28tmp%29.pdfLink to https://www.governor.wa.gov/sites/default/files/proclamations/20-19.1%20-%20COVID-19%20Moratorium%20on%20Evictions%20Extension%20%28tmp%29.pdfLink to https://www.governor.wa.gov/sites/default/files/proclamations/20-19.1%20-%20COVID-19%20Moratorium%20on%20Evictions%20Extension%20%28tmp%29.pdfLink to https://www.governor.wa.gov/sites/default/files/proclamations/20-19.1%20-%20COVID-19%20Moratorium%20on%20Evictions%20Extension%20%28tmp%29.pdfLink to https://www.governor.wa.gov/sites/default/files/proclamations/20-19.1%20-%20COVID-19%20Moratorium%20on%20Evictions%20Extension%20%28tmp%29.pdfLink to https://www.governor.wa.gov/sites/default/files/proclamations/20-19.1%20-%20COVID-19%20Moratorium%20on%20Evictions%20Extension%20%28tmp%29.pdfLink to https://www.governor.wa.gov/sites/default/files/proclamations/20-19.1%20-%20COVID-19%20Moratorium%20on%20Evictions%20Extension%20%28tmp%29.pdfLink to https://www.governor.wa.gov/sites/default/files/proclamations/20-19.1%20-%20COVID-19%20Moratorium%20on%20Evictions%20Extension%20%28tmp%29.pdfLink to https://www.governor.wa.gov/sites/default/files/proclamations/20-19.1%20-%20COVID-19%20Moratorium%20on%20Evictions%20Extension%20%28tmp%29.pdfLink to https://www.governor.wa.gov/sites/default/files/proclamations/20-19.1%20-%20COVID-19%20Moratorium%20on%20Evictions%20Extension%20%28tmp%29.pdfLink to https://www.governor.wa.gov/sites/default/files/proclamations/20-19.1%20-%20COVID-19%20Moratorium%20on%20Evictions%20Extension%20%28tmp%29.pdfLink to https://www.governor.wa.gov/sites/default/files/proclamations/20-19.1%20-%20COVID-19%20Moratorium%20on%20Evictions%20Extension%20%28tmp%29.pdfLink to https://www.governor.wa.gov/sites/default/files/proclamations/20-19.1%20-%20COVID-19%20Moratorium%20on%20Evictions%20Extension%20%28tmp%29.pdfLink to https://www.governor.wa.gov/sites/default/files/proclamations/20-19.1%20-%20COVID-19%20Moratorium%20on%20Evictions%20Extension%20%28tmp%29.pdfLink to https://www.governor.wa.gov/sites/default/files/proclamations/20-19.1%20-%20COVID-19%20Moratorium%20on%20Evictions%20Extension%20%28tmp%29.pdfLink to https://www.governor.wa.gov/sites/default/files/proclamations/20-19.1%20-%20COVID-19%20Moratorium%20on%20Evictions%20Extension%20%28tmp%29.pdfLink to https://www.governor.wa.gov/sites/default/files/proclamations/20-19.1%20-%20COVID-19%20Moratorium%20on%20Evictions%20Extension%20%28tmp%29.pdfLink to https://www.governor.wa.gov/sites/default/files/proclamations/20-19.1%20-%20COVID-19%20Moratorium%20on%20Evictions%20Extension%20%28tmp%29.pdfLink to https://www.governor.wa.gov/sites/default/files/proclamations/20-19.1%20-%20COVID-19%20Moratorium%20on%20Evictions%20Extension%20%28tmp%29.pdfLink to https://www.governor.wa.gov/sites/default/files/proclamations/20-19.1%20-%20COVID-19%20Moratorium%20on%20Evictions%20Extension%20%28tmp%29.pdfClick here to review a copy of the Order.

Wright Finlay & Zak Releases Western Region Foreclosure and Eviction COVID-19 Impact Grid
As previously reported, the ability of lenders and servicers to process foreclosure and eviction matters has been impacted by federal, state as well as local legislation and governmental orders. The CARES Act prohibited commencement, scheduling and completion of residential foreclosures and evictions through May 17, 2020 for government backed loans with HUD/FHA, Fannie Mae, Freddie Mac, VA and USDA, requiring servicers to offer up to two six-month forbearance periods upon request of borrowers impacted by COVID. Many private investors are choosing to follow the CARES Act guidelines or a proprietary version of forbearance or moratorium. For those lenders and servicers who choose to proceed with foreclosure and eviction activity on non-CARES loans, the firm has developed a Link to /documents/covid19/WFZ-COVID-19-Western-States-Foreclosure-Eviction-Grid.pdfLink to /documents/covid19/WFZ-COVID-19-Western-States-Foreclosure-Eviction-Grid.pdfLink to /documents/covid19/WFZ-COVID-19-Western-States-Foreclosure-Eviction-Grid.pdfLink to /documents/covid19/WFZ-COVID-19-Western-States-Foreclosure-Eviction-Grid.pdfLink to /documents/covid19/WFZ-COVID-19-Western-States-Foreclosure-Eviction-Grid.pdfLink to /documents/covid19/WFZ-COVID-19-Western-States-Foreclosure-Eviction-Grid.pdfLink to /documents/covid19/WFZ-COVID-19-Western-States-Foreclosure-Eviction-Grid.pdfLink to /documents/covid19/WFZ-COVID-19-Western-States-Foreclosure-Eviction-Grid.pdfLink to /documents/covid19/WFZ-COVID-19-Western-States-Foreclosure-Eviction-Grid.pdfLink to /documents/covid19/WFZ-COVID-19-Western-States-Foreclosure-Eviction-Grid.pdfLink to /documents/covid19/WFZ-COVID-19-Western-States-Foreclosure-Eviction-Grid.pdfLink to /documents/covid19/WFZ-COVID-19-Western-States-Foreclosure-Eviction-Grid.pdfLink to /documents/covid19/WFZ-COVID-19-Western-States-Foreclosure-Eviction-Grid.pdfLink to /documents/covid19/WFZ-COVID-19-Western-States-Foreclosure-Eviction-Grid.pdfLink to /documents/covid19/WFZ-COVID-19-Western-States-Foreclosure-Eviction-Grid.pdfLink to /documents/covid19/WFZ-COVID-19-Western-States-Foreclosure-Eviction-Grid.pdfLink to /documents/covid19/WFZ-COVID-19-Western-States-Foreclosure-Eviction-Grid.pdfLink to /documents/covid19/WFZ-COVID-19-Western-States-Foreclosure-Eviction-Grid.pdfLink to /documents/covid19/WFZ-COVID-19-Western-States-Foreclosure-Eviction-Grid.pdfLink to /documents/covid19/WFZ-COVID-19-Western-States-Foreclosure-Eviction-Grid.pdfLink to /documents/covid19/WFZ-COVID-19-Western-States-Foreclosure-Eviction-Grid.pdfLink to /documents/covid19/WFZ-COVID-19-Western-States-Foreclosure-Eviction-Grid.pdfLink to /documents/covid19/WFZ-COVID-19-Western-States-Foreclosure-Eviction-Grid.pdfLink to /documents/covid19/WFZ-COVID-19-Western-States-Foreclosure-Eviction-Grid.pdfLink to /documents/covid19/WFZ-COVID-19-Western-States-Foreclosure-Eviction-Grid.pdfLink to /documents/covid19/WFZ-COVID-19-Western-States-Foreclosure-Eviction-Grid.pdfLink to /documents/covid19/WFZ-COVID-19-Western-States-Foreclosure-Eviction-Grid.pdfLink to /documents/covid19/WFZ-COVID-19-Western-States-Foreclosure-Eviction-Grid.pdfLink to /documents/covid19/WFZ-COVID-19-Western-States-Foreclosure-Eviction-Grid.pdfLink to /documents/covid19/WFZ-COVID-19-Western-States-Foreclosure-Eviction-Grid.pdfLink to /documents/covid19/WFZ-COVID-19-Western-States-Foreclosure-Eviction-Grid.pdfLink to /documents/covid19/WFZ-COVID-19-Western-States-Foreclosure-Eviction-Grid.pdfLink to /documents/covid19/WFZ-COVID-19-Western-States-Foreclosure-Eviction-Grid.pdfLink to /documents/covid19/WFZ-COVID-19-Western-States-Foreclosure-Eviction-Grid.pdfLink to /documents/covid19/WFZ-COVID-19-Western-States-Foreclosure-Eviction-Grid.pdfLink to /documents/covid19/WFZ-COVID-19-Western-States-Foreclosure-Eviction-Grid.pdfLink to /documents/covid19/WFZ-COVID-19-Western-States-Foreclosure-Eviction-Grid.pdfLink to /documents/covid19/WFZ-COVID-19-Western-States-Foreclosure-Eviction-Grid.pdfLink to /documents/covid19/WFZ-COVID-19-Western-States-Foreclosure-Eviction-Grid.pdfWestern Region Foreclosure and Eviction COVID-19 Impact Grid, including information regarding the states of Arizona, California, Nevada, Oregon, Utah and Washington, where our firm has physical offices. The Grid identifies relevant milestones in the foreclosure and eviction processes and whether a lender can proceed with the particular milestone given current state and local restrictions.

In reviewing the Grid and determining whether to proceed in states and local jurisdictions where it is permissible, we recommend that lenders and servicers consult with counsel before moving forward with any foreclosure or eviction during this pandemic and consider the following risks. First, in states and local jurisdictions subject to “Stay at Home” or “Shelter in Place” Orders, borrowers and sale bidders may interpret these Orders to mean that foreclosure sales will not take place as non-essential business. This may result in a lack of robust competitive bidding and may not yield the best price for the property, and borrowers may challenge this conduct as “chilling the bid.” Second, based on media coverage of “moratoria,” borrowers may be under the mistaken impression that all foreclosure activity is banned, and it may be difficult to determine the extent to which loan defaults and inability to pay or cure the default is “caused” by COVID-19 impacts. Thus, borrowers could challenge the validity of a Notice of Sale and subsequent foreclosure sale in litigation on these equitable grounds, even though the conduct of the sale was not expressly prohibited as a matter of law. Third, even if a foreclosure can be completed and title reverts to the lender, eviction proceedings will be prohibited and/or delayed, making the lender a landlord for the foreseeable future. Depending on the interpretation of your loan documents, post- foreclosure litigation attorneys’ fees may not be recoverable against the borrower where the property has been sold to a third party purchaser.

Finally, the Grid is based on the information we currently have regarding state and local orders, proclamations and ordinances on the date the Grid is updated. However, these issues are evolving daily, and each file should be reviewed with legal counsel prior to confirming particular foreclosure activity can proceed with respect to an individual property. As previously reported, we are currently aware of pending legislation in California (Senate Bill 828) proposing a complete ban on all residential non-judicial foreclosure activity and substantial limitation of residential eviction activity through 15 days following the end of any state or local declaration of COVID-related emergency. We are also aware of Senate Bill 939, proposing a moratorium on commercial evictions. The Bill would make it unlawful for a person, business, or other entity to evict a tenant of commercial real property during the pendency of the State of Emergency proclaimed by the Governor on March 4, 2020, related to COVID-19. No action has occurred on these two bills since amendment because the Legislature has adjourned until May 4. However, we expect the Legislature to seek to quickly move both of these bills as urgency legislation upon returning from recess.

Updates on Court Operations Limitations and Closures
Link to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfClick here to see an updated chart identifying information and website links for the status of Court Closures and Operations Limitations for the states of Arizona, California, Nevada, Oregon, Utah and Washington.

Due to the constantly changing situation, the above and the attached may not be a comprehensive list of closures and impacts. Keep checking this website for the latest developments in our states. If you have additional questions or concerns regarding these important matters, please feel free to contact Link to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netRobin Wright, Link to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netMichelle Mierzwa or Link to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netRobert Finlay.


Wright, Finlay & Zak's COVID-19 Update: April 15, 2020

April 15, 2020

As with our prior notifications regarding the impact of COVID-19-related issues, the situation continues to be fluid when it comes to servicing of loans, the management of default and REO assets and litigation in the court systems. Below is an update on the latest state and local developments throughout the Western U.S. In addition, this update also includes a discussion of HUD’s Updated Single Family COVID-19 Question & Answer page . As with all our updates, please keep in mind that additional orders and directives are being considered and issued by state and local jurisdictions as we speak, and we will continue to monitor all channels to provide you with updated information as it becomes available. Thanks, everyone.

FHA Issues Updated COVID-19 Questions & Answers
On April 14, 2020, the Federal Housing Administration issued updated Questions and Answers regarding COVID-19. Subject matter updates include the following:

  • Guidance regarding inability to obtain tax transcripts from the Internal Revenue Service during the loan origination process
  • Guidance regarding use of gap title insurance with respect to county recording office limitations or closures
  • Guidance regarding use of remote online notarization or Power of Attorney documents during loan origination
  • Guidance regarding borrower communication methods for requesting COVID-19 Forbearance to include e-mail, text, fax, teleconference, website or portals
  • Guidance regarding standard loss mitigation options available for borrowers who were more than 30 days past due as of 3/1/2020
  • Guidance regarding limitation to one COVID-19 Standalone Partial Claim for a borrower
  • Guidance regarding use of exterior only and desktop appraisals
  • Guidance regarding extension of HECM foreclosure, claim and repayment plan deadlines for 60 days
  • Guidance re monthly occupancy inspections and forbearance requests for HECM loans in due and payable status

Link to https://www.hud.gov/sites/dfiles/SFH/documents/SFH_COVID_19_QA.pdfLink to https://www.hud.gov/sites/dfiles/SFH/documents/SFH_COVID_19_QA.pdfLink to https://www.hud.gov/sites/dfiles/SFH/documents/SFH_COVID_19_QA.pdfLink to https://www.hud.gov/sites/dfiles/SFH/documents/SFH_COVID_19_QA.pdfLink to https://www.hud.gov/sites/dfiles/SFH/documents/SFH_COVID_19_QA.pdfLink to https://www.hud.gov/sites/dfiles/SFH/documents/SFH_COVID_19_QA.pdfLink to https://www.hud.gov/sites/dfiles/SFH/documents/SFH_COVID_19_QA.pdfLink to https://www.hud.gov/sites/dfiles/SFH/documents/SFH_COVID_19_QA.pdfLink to https://www.hud.gov/sites/dfiles/SFH/documents/SFH_COVID_19_QA.pdfLink to https://www.hud.gov/sites/dfiles/SFH/documents/SFH_COVID_19_QA.pdfLink to https://www.hud.gov/sites/dfiles/SFH/documents/SFH_COVID_19_QA.pdfLink to https://www.hud.gov/sites/dfiles/SFH/documents/SFH_COVID_19_QA.pdfLink to https://www.hud.gov/sites/dfiles/SFH/documents/SFH_COVID_19_QA.pdfLink to https://www.hud.gov/sites/dfiles/SFH/documents/SFH_COVID_19_QA.pdfLink to https://www.hud.gov/sites/dfiles/SFH/documents/SFH_COVID_19_QA.pdfLink to https://www.hud.gov/sites/dfiles/SFH/documents/SFH_COVID_19_QA.pdfLink to https://www.hud.gov/sites/dfiles/SFH/documents/SFH_COVID_19_QA.pdfLink to https://www.hud.gov/sites/dfiles/SFH/documents/SFH_COVID_19_QA.pdfLink to https://www.hud.gov/sites/dfiles/SFH/documents/SFH_COVID_19_QA.pdfLink to https://www.hud.gov/sites/dfiles/SFH/documents/SFH_COVID_19_QA.pdfLink to https://www.hud.gov/sites/dfiles/SFH/documents/SFH_COVID_19_QA.pdfLink to https://www.hud.gov/sites/dfiles/SFH/documents/SFH_COVID_19_QA.pdfLink to https://www.hud.gov/sites/dfiles/SFH/documents/SFH_COVID_19_QA.pdfLink to https://www.hud.gov/sites/dfiles/SFH/documents/SFH_COVID_19_QA.pdfLink to https://www.hud.gov/sites/dfiles/SFH/documents/SFH_COVID_19_QA.pdfLink to https://www.hud.gov/sites/dfiles/SFH/documents/SFH_COVID_19_QA.pdfLink to https://www.hud.gov/sites/dfiles/SFH/documents/SFH_COVID_19_QA.pdfLink to https://www.hud.gov/sites/dfiles/SFH/documents/SFH_COVID_19_QA.pdfLink to https://www.hud.gov/sites/dfiles/SFH/documents/SFH_COVID_19_QA.pdfLink to https://www.hud.gov/sites/dfiles/SFH/documents/SFH_COVID_19_QA.pdfLink to https://www.hud.gov/sites/dfiles/SFH/documents/SFH_COVID_19_QA.pdfLink to https://www.hud.gov/sites/dfiles/SFH/documents/SFH_COVID_19_QA.pdfLink to https://www.hud.gov/sites/dfiles/SFH/documents/SFH_COVID_19_QA.pdfLink to https://www.hud.gov/sites/dfiles/SFH/documents/SFH_COVID_19_QA.pdfLink to https://www.hud.gov/sites/dfiles/SFH/documents/SFH_COVID_19_QA.pdfLink to https://www.hud.gov/sites/dfiles/SFH/documents/SFH_COVID_19_QA.pdfLink to https://www.hud.gov/sites/dfiles/SFH/documents/SFH_COVID_19_QA.pdfLink to https://www.hud.gov/sites/dfiles/SFH/documents/SFH_COVID_19_QA.pdfLink to https://www.hud.gov/sites/dfiles/SFH/documents/SFH_COVID_19_QA.pdfLink to https://www.hud.gov/sites/dfiles/SFH/documents/SFH_COVID_19_QA.pdfLink to https://www.hud.gov/sites/dfiles/SFH/documents/SFH_COVID_19_QA.pdfLink to https://www.hud.gov/sites/dfiles/SFH/documents/SFH_COVID_19_QA.pdfLink to https://www.hud.gov/sites/dfiles/SFH/documents/SFH_COVID_19_QA.pdfLink to https://www.hud.gov/sites/dfiles/SFH/documents/SFH_COVID_19_QA.pdfLink to https://www.hud.gov/sites/dfiles/SFH/documents/SFH_COVID_19_QA.pdfLink to https://www.hud.gov/sites/dfiles/SFH/documents/SFH_COVID_19_QA.pdfClick here to review a copy of the Updated Q & A Document.

CFPB and FHFA Announce Joint Initiative to Assist Borrowers
The Consumer Financial Protection Bureau (“CFPB”) and the Federal Housing Finance Agency (“FHFA”) announced a new joint initiative, “Borrower Protection Program.” Under the program, the CFPB will make complaint information and analytical tools available to FHFA via a secure electronic interface; and FHFA will make available to the CFPB information about forbearances, modifications and other loss mitigation initiatives undertaken by Fannie Mae and Freddie Mac. “In addition to working with your lender to get an answer for you, we analyze the information to better educate consumers, provide clear rules for financial institutions, and hold companies accountable,” said CFPB Director Kathleen L. Kraninger. “Through the partnership being announced today, the Bureau will share our insights with FHFA and ensure we get their data on how mortgage servicers are working with their customers during this critical time and going forward.” Link to https://www.fhfa.gov/Media/PublicAffairs/Pages/FHFA-and-CFPB-Announce-Borrower-Protection-Program.aspxLink to https://www.fhfa.gov/Media/PublicAffairs/Pages/FHFA-and-CFPB-Announce-Borrower-Protection-Program.aspxLink to https://www.fhfa.gov/Media/PublicAffairs/Pages/FHFA-and-CFPB-Announce-Borrower-Protection-Program.aspxLink to https://www.fhfa.gov/Media/PublicAffairs/Pages/FHFA-and-CFPB-Announce-Borrower-Protection-Program.aspxLink to https://www.fhfa.gov/Media/PublicAffairs/Pages/FHFA-and-CFPB-Announce-Borrower-Protection-Program.aspxLink to https://www.fhfa.gov/Media/PublicAffairs/Pages/FHFA-and-CFPB-Announce-Borrower-Protection-Program.aspxLink to https://www.fhfa.gov/Media/PublicAffairs/Pages/FHFA-and-CFPB-Announce-Borrower-Protection-Program.aspxLink to https://www.fhfa.gov/Media/PublicAffairs/Pages/FHFA-and-CFPB-Announce-Borrower-Protection-Program.aspxLink to https://www.fhfa.gov/Media/PublicAffairs/Pages/FHFA-and-CFPB-Announce-Borrower-Protection-Program.aspxLink to https://www.fhfa.gov/Media/PublicAffairs/Pages/FHFA-and-CFPB-Announce-Borrower-Protection-Program.aspxLink to https://www.fhfa.gov/Media/PublicAffairs/Pages/FHFA-and-CFPB-Announce-Borrower-Protection-Program.aspxLink to https://www.fhfa.gov/Media/PublicAffairs/Pages/FHFA-and-CFPB-Announce-Borrower-Protection-Program.aspxLink to https://www.fhfa.gov/Media/PublicAffairs/Pages/FHFA-and-CFPB-Announce-Borrower-Protection-Program.aspxLink to https://www.fhfa.gov/Media/PublicAffairs/Pages/FHFA-and-CFPB-Announce-Borrower-Protection-Program.aspxLink to https://www.fhfa.gov/Media/PublicAffairs/Pages/FHFA-and-CFPB-Announce-Borrower-Protection-Program.aspxLink to https://www.fhfa.gov/Media/PublicAffairs/Pages/FHFA-and-CFPB-Announce-Borrower-Protection-Program.aspxLink to https://www.fhfa.gov/Media/PublicAffairs/Pages/FHFA-and-CFPB-Announce-Borrower-Protection-Program.aspxLink to https://www.fhfa.gov/Media/PublicAffairs/Pages/FHFA-and-CFPB-Announce-Borrower-Protection-Program.aspxLink to https://www.fhfa.gov/Media/PublicAffairs/Pages/FHFA-and-CFPB-Announce-Borrower-Protection-Program.aspxLink to https://www.fhfa.gov/Media/PublicAffairs/Pages/FHFA-and-CFPB-Announce-Borrower-Protection-Program.aspxLink to https://www.fhfa.gov/Media/PublicAffairs/Pages/FHFA-and-CFPB-Announce-Borrower-Protection-Program.aspxLink to https://www.fhfa.gov/Media/PublicAffairs/Pages/FHFA-and-CFPB-Announce-Borrower-Protection-Program.aspxLink to https://www.fhfa.gov/Media/PublicAffairs/Pages/FHFA-and-CFPB-Announce-Borrower-Protection-Program.aspxLink to https://www.fhfa.gov/Media/PublicAffairs/Pages/FHFA-and-CFPB-Announce-Borrower-Protection-Program.aspxLink to https://www.fhfa.gov/Media/PublicAffairs/Pages/FHFA-and-CFPB-Announce-Borrower-Protection-Program.aspxLink to https://www.fhfa.gov/Media/PublicAffairs/Pages/FHFA-and-CFPB-Announce-Borrower-Protection-Program.aspxLink to https://www.fhfa.gov/Media/PublicAffairs/Pages/FHFA-and-CFPB-Announce-Borrower-Protection-Program.aspxLink to https://www.fhfa.gov/Media/PublicAffairs/Pages/FHFA-and-CFPB-Announce-Borrower-Protection-Program.aspxLink to https://www.fhfa.gov/Media/PublicAffairs/Pages/FHFA-and-CFPB-Announce-Borrower-Protection-Program.aspxLink to https://www.fhfa.gov/Media/PublicAffairs/Pages/FHFA-and-CFPB-Announce-Borrower-Protection-Program.aspxLink to https://www.fhfa.gov/Media/PublicAffairs/Pages/FHFA-and-CFPB-Announce-Borrower-Protection-Program.aspxLink to https://www.fhfa.gov/Media/PublicAffairs/Pages/FHFA-and-CFPB-Announce-Borrower-Protection-Program.aspxLink to https://www.fhfa.gov/Media/PublicAffairs/Pages/FHFA-and-CFPB-Announce-Borrower-Protection-Program.aspxLink to https://www.fhfa.gov/Media/PublicAffairs/Pages/FHFA-and-CFPB-Announce-Borrower-Protection-Program.aspxLink to https://www.fhfa.gov/Media/PublicAffairs/Pages/FHFA-and-CFPB-Announce-Borrower-Protection-Program.aspxLink to https://www.fhfa.gov/Media/PublicAffairs/Pages/FHFA-and-CFPB-Announce-Borrower-Protection-Program.aspxLink to https://www.fhfa.gov/Media/PublicAffairs/Pages/FHFA-and-CFPB-Announce-Borrower-Protection-Program.aspxLink to https://www.fhfa.gov/Media/PublicAffairs/Pages/FHFA-and-CFPB-Announce-Borrower-Protection-Program.aspxLink to https://www.fhfa.gov/Media/PublicAffairs/Pages/FHFA-and-CFPB-Announce-Borrower-Protection-Program.aspxLink to https://www.fhfa.gov/Media/PublicAffairs/Pages/FHFA-and-CFPB-Announce-Borrower-Protection-Program.aspxLink to https://www.fhfa.gov/Media/PublicAffairs/Pages/FHFA-and-CFPB-Announce-Borrower-Protection-Program.aspxLink to https://www.fhfa.gov/Media/PublicAffairs/Pages/FHFA-and-CFPB-Announce-Borrower-Protection-Program.aspxLink to https://www.fhfa.gov/Media/PublicAffairs/Pages/FHFA-and-CFPB-Announce-Borrower-Protection-Program.aspxLink to https://www.fhfa.gov/Media/PublicAffairs/Pages/FHFA-and-CFPB-Announce-Borrower-Protection-Program.aspxLink to https://urldefense.com/v3/__https:/www.fhfa.gov/Media/PublicAffairs/Pages/FHFA-and-CFPB-Announce-Borrower-Protection-Program.aspx__;!!COskAx4!VzQlevtOO9F68fyx3Y70brxQvGgJ4SBVXVaavU1Abs0ApPlaUVjGx-IQW1CgSld_xjr2dg$Link to https://urldefense.com/v3/__https:/www.fhfa.gov/Media/PublicAffairs/Pages/FHFA-and-CFPB-Announce-Borrower-Protection-Program.aspx__;!!COskAx4!VzQlevtOO9F68fyx3Y70brxQvGgJ4SBVXVaavU1Abs0ApPlaUVjGx-IQW1CgSld_xjr2dg$Click here to review a copy of FHFA’s News Release regarding the Program.

Los Angeles County Superior Court Extends Term of Limited Service Availability
On April 14, 2020, the Presiding Judge of the Los Angeles Superior Court issued an updated Order advising that from April 17, 2020 until May 12, 2020, inclusive, all courtrooms will remain closed for judicial business, except for the following time-sensitive, essential functions:

  • Civil Temporary Restraining Orders
  • Family Temporary Restraining Orders
  • Civil Ex Parte Proceedings
  • Family Ex Parte Proceedings
  • Hague Convention (International Kidnapping)
  • Probate Ex Parte Hearings
  • Probate Emergency Petitions for Temporary Conservatorship
  • Probate Emergency Petitions for Temporary Guardianship
  • Various Other Emergency Criminal and Juvenile Processes

Link to http://www.lacourt.org/newsmedia/uploads/1420204141833422020-GEN-009-00AdministrativeOrderofPJreCOVID-19041420.pdfLink to http://www.lacourt.org/newsmedia/uploads/1420204141833422020-GEN-009-00AdministrativeOrderofPJreCOVID-19041420.pdfLink to http://www.lacourt.org/newsmedia/uploads/1420204141833422020-GEN-009-00AdministrativeOrderofPJreCOVID-19041420.pdfLink to http://www.lacourt.org/newsmedia/uploads/1420204141833422020-GEN-009-00AdministrativeOrderofPJreCOVID-19041420.pdfLink to http://www.lacourt.org/newsmedia/uploads/1420204141833422020-GEN-009-00AdministrativeOrderofPJreCOVID-19041420.pdfLink to http://www.lacourt.org/newsmedia/uploads/1420204141833422020-GEN-009-00AdministrativeOrderofPJreCOVID-19041420.pdfLink to http://www.lacourt.org/newsmedia/uploads/1420204141833422020-GEN-009-00AdministrativeOrderofPJreCOVID-19041420.pdfLink to http://www.lacourt.org/newsmedia/uploads/1420204141833422020-GEN-009-00AdministrativeOrderofPJreCOVID-19041420.pdfLink to http://www.lacourt.org/newsmedia/uploads/1420204141833422020-GEN-009-00AdministrativeOrderofPJreCOVID-19041420.pdfLink to http://www.lacourt.org/newsmedia/uploads/1420204141833422020-GEN-009-00AdministrativeOrderofPJreCOVID-19041420.pdfLink to http://www.lacourt.org/newsmedia/uploads/1420204141833422020-GEN-009-00AdministrativeOrderofPJreCOVID-19041420.pdfLink to http://www.lacourt.org/newsmedia/uploads/1420204141833422020-GEN-009-00AdministrativeOrderofPJreCOVID-19041420.pdfLink to http://www.lacourt.org/newsmedia/uploads/1420204141833422020-GEN-009-00AdministrativeOrderofPJreCOVID-19041420.pdfLink to http://www.lacourt.org/newsmedia/uploads/1420204141833422020-GEN-009-00AdministrativeOrderofPJreCOVID-19041420.pdfLink to http://www.lacourt.org/newsmedia/uploads/1420204141833422020-GEN-009-00AdministrativeOrderofPJreCOVID-19041420.pdfLink to http://www.lacourt.org/newsmedia/uploads/1420204141833422020-GEN-009-00AdministrativeOrderofPJreCOVID-19041420.pdfLink to http://www.lacourt.org/newsmedia/uploads/1420204141833422020-GEN-009-00AdministrativeOrderofPJreCOVID-19041420.pdfLink to http://www.lacourt.org/newsmedia/uploads/1420204141833422020-GEN-009-00AdministrativeOrderofPJreCOVID-19041420.pdfLink to http://www.lacourt.org/newsmedia/uploads/1420204141833422020-GEN-009-00AdministrativeOrderofPJreCOVID-19041420.pdfLink to http://www.lacourt.org/newsmedia/uploads/1420204141833422020-GEN-009-00AdministrativeOrderofPJreCOVID-19041420.pdfLink to http://www.lacourt.org/newsmedia/uploads/1420204141833422020-GEN-009-00AdministrativeOrderofPJreCOVID-19041420.pdfLink to http://www.lacourt.org/newsmedia/uploads/1420204141833422020-GEN-009-00AdministrativeOrderofPJreCOVID-19041420.pdfLink to http://www.lacourt.org/newsmedia/uploads/1420204141833422020-GEN-009-00AdministrativeOrderofPJreCOVID-19041420.pdfLink to http://www.lacourt.org/newsmedia/uploads/1420204141833422020-GEN-009-00AdministrativeOrderofPJreCOVID-19041420.pdfLink to 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http://www.lacourt.org/newsmedia/uploads/1420204141833422020-GEN-009-00AdministrativeOrderofPJreCOVID-19041420.pdfLink to http://www.lacourt.org/newsmedia/uploads/1420204141833422020-GEN-009-00AdministrativeOrderofPJreCOVID-19041420.pdfLink to http://www.lacourt.org/newsmedia/uploads/1420204141833422020-GEN-009-00AdministrativeOrderofPJreCOVID-19041420.pdfLink to http://www.lacourt.org/newsmedia/uploads/1420204141833422020-GEN-009-00AdministrativeOrderofPJreCOVID-19041420.pdfLink to http://www.lacourt.org/newsmedia/uploads/1420204141833422020-GEN-009-00AdministrativeOrderofPJreCOVID-19041420.pdfLink to http://www.lacourt.org/newsmedia/uploads/1420204141833422020-GEN-009-00AdministrativeOrderofPJreCOVID-19041420.pdfLink to http://www.lacourt.org/newsmedia/uploads/1420204141833422020-GEN-009-00AdministrativeOrderofPJreCOVID-19041420.pdfLink to http://www.lacourt.org/newsmedia/uploads/1420204141833422020-GEN-009-00AdministrativeOrderofPJreCOVID-19041420.pdfLink to http://www.lacourt.org/newsmedia/uploads/1420204141833422020-GEN-009-00AdministrativeOrderofPJreCOVID-19041420.pdfLink to http://www.lacourt.org/newsmedia/uploads/1420204141833422020-GEN-009-00AdministrativeOrderofPJreCOVID-19041420.pdfLink to http://www.lacourt.org/newsmedia/uploads/1420204141833422020-GEN-009-00AdministrativeOrderofPJreCOVID-19041420.pdfLink to http://www.lacourt.org/newsmedia/uploads/1420204141833422020-GEN-009-00AdministrativeOrderofPJreCOVID-19041420.pdfLink to http://www.lacourt.org/newsmedia/uploads/1420204141833422020-GEN-009-00AdministrativeOrderofPJreCOVID-19041420.pdfLink to http://www.lacourt.org/newsmedia/uploads/1420204141833422020-GEN-009-00AdministrativeOrderofPJreCOVID-19041420.pdfClick here to review a copy of the Order describing all ongoing emergency functions and postponements.

Updates on Court Operations Limitations and Closures
Link to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfClick here to see an updated chart identifying information and website links for the status of Court Closures and Operations Limitations for the states of Arizona, California, Nevada, Oregon, Utah and Washington.

Due to the constantly changing situation, the above and the attached may not be a comprehensive list of closures and impacts. Keep checking this website for the latest developments in our states. If you have additional questions or concerns regarding these important matters, please feel free to contact Link to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netRobin Wright, Link to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netMichelle Mierzwa or Link to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netRobert Finlay.


Wright, Finlay & Zak's COVID-19 Update: April 14, 2020

April 14, 2020

As with our prior notifications regarding the impact of COVID-19-related issues, the situation continues to be fluid when it comes to servicing of loans, the management of default and REO assets and litigation in the court systems. Below is an update on the latest state and local developments throughout the Western U.S. In addition, this update also includes a discussion of California Governor’s Press Conference Today. As with all our updates, please keep in mind that additional orders and directives are being considered and issued by state and local jurisdictions as we speak, and we will continue to monitor all channels to provide you with updated information as it becomes available. Thanks, everyone.

State Spotlight: California’s Governor Sets Out Path Forward to Easing of Stay at Home Orders
Without providing any specific dates or terms, California’s Governor held a press conference today to describe the six indicators he and his team (and his coalition with the Governors of Oregon and Washington) would evaluate in determining whether and when to ease the oppressive terms of the current Stay at Home Orders. The six indicators included the following:

  1. Ability to test, monitor and support those infected with COVD-19.
  2. Ability to prevent infection of high risk people (due to age or pre-existing health issues) and groups (including care facility patients and prison inmates).
  3. Ability of hospitals and health systems to handle future surges in need for care of COVID patients.
  4. Ability to develop therapeutics to meet the demand of COVID-19 potential and actual patients.
  5. Ability of businesses, schools and child care facilities to support physical distancing requirements during operations.
  6. Ability to determine when and how to quickly reinstate Stay at Home or other preventative measures, if necessary.

The Governor indicated that before any easing of Stay at Home Orders would commence, the state would need to see both hospitalizations and Intensive Care Unit admissions decline. Link to https://www.gov.ca.gov/2020/04/14/governor-newsom-outlines-six-critical-indicators-the-state-will-consider-before-modifying-the-stay-at-home-order-and-other-covid-19-interventionsLink to https://www.gov.ca.gov/2020/04/14/governor-newsom-outlines-six-critical-indicators-the-state-will-consider-before-modifying-the-stay-at-home-order-and-other-covid-19-interventionsLink to https://www.gov.ca.gov/2020/04/14/governor-newsom-outlines-six-critical-indicators-the-state-will-consider-before-modifying-the-stay-at-home-order-and-other-covid-19-interventionsLink to https://www.gov.ca.gov/2020/04/14/governor-newsom-outlines-six-critical-indicators-the-state-will-consider-before-modifying-the-stay-at-home-order-and-other-covid-19-interventionsLink to https://www.gov.ca.gov/2020/04/14/governor-newsom-outlines-six-critical-indicators-the-state-will-consider-before-modifying-the-stay-at-home-order-and-other-covid-19-interventionsLink to https://www.gov.ca.gov/2020/04/14/governor-newsom-outlines-six-critical-indicators-the-state-will-consider-before-modifying-the-stay-at-home-order-and-other-covid-19-interventionsLink to https://www.gov.ca.gov/2020/04/14/governor-newsom-outlines-six-critical-indicators-the-state-will-consider-before-modifying-the-stay-at-home-order-and-other-covid-19-interventionsLink to https://www.gov.ca.gov/2020/04/14/governor-newsom-outlines-six-critical-indicators-the-state-will-consider-before-modifying-the-stay-at-home-order-and-other-covid-19-interventionsLink to https://www.gov.ca.gov/2020/04/14/governor-newsom-outlines-six-critical-indicators-the-state-will-consider-before-modifying-the-stay-at-home-order-and-other-covid-19-interventionsLink to https://www.gov.ca.gov/2020/04/14/governor-newsom-outlines-six-critical-indicators-the-state-will-consider-before-modifying-the-stay-at-home-order-and-other-covid-19-interventionsLink to https://www.gov.ca.gov/2020/04/14/governor-newsom-outlines-six-critical-indicators-the-state-will-consider-before-modifying-the-stay-at-home-order-and-other-covid-19-interventionsLink to https://www.gov.ca.gov/2020/04/14/governor-newsom-outlines-six-critical-indicators-the-state-will-consider-before-modifying-the-stay-at-home-order-and-other-covid-19-interventionsLink to https://www.gov.ca.gov/2020/04/14/governor-newsom-outlines-six-critical-indicators-the-state-will-consider-before-modifying-the-stay-at-home-order-and-other-covid-19-interventionsLink to https://www.gov.ca.gov/2020/04/14/governor-newsom-outlines-six-critical-indicators-the-state-will-consider-before-modifying-the-stay-at-home-order-and-other-covid-19-interventionsLink to https://www.gov.ca.gov/2020/04/14/governor-newsom-outlines-six-critical-indicators-the-state-will-consider-before-modifying-the-stay-at-home-order-and-other-covid-19-interventionsLink to https://www.gov.ca.gov/2020/04/14/governor-newsom-outlines-six-critical-indicators-the-state-will-consider-before-modifying-the-stay-at-home-order-and-other-covid-19-interventionsLink to https://www.gov.ca.gov/2020/04/14/governor-newsom-outlines-six-critical-indicators-the-state-will-consider-before-modifying-the-stay-at-home-order-and-other-covid-19-interventionsLink to https://www.gov.ca.gov/2020/04/14/governor-newsom-outlines-six-critical-indicators-the-state-will-consider-before-modifying-the-stay-at-home-order-and-other-covid-19-interventionsLink to https://www.gov.ca.gov/2020/04/14/governor-newsom-outlines-six-critical-indicators-the-state-will-consider-before-modifying-the-stay-at-home-order-and-other-covid-19-interventionsLink to https://www.gov.ca.gov/2020/04/14/governor-newsom-outlines-six-critical-indicators-the-state-will-consider-before-modifying-the-stay-at-home-order-and-other-covid-19-interventionsLink to https://www.gov.ca.gov/2020/04/14/governor-newsom-outlines-six-critical-indicators-the-state-will-consider-before-modifying-the-stay-at-home-order-and-other-covid-19-interventionsLink to https://www.gov.ca.gov/2020/04/14/governor-newsom-outlines-six-critical-indicators-the-state-will-consider-before-modifying-the-stay-at-home-order-and-other-covid-19-interventionsLink to https://www.gov.ca.gov/2020/04/14/governor-newsom-outlines-six-critical-indicators-the-state-will-consider-before-modifying-the-stay-at-home-order-and-other-covid-19-interventionsLink to https://www.gov.ca.gov/2020/04/14/governor-newsom-outlines-six-critical-indicators-the-state-will-consider-before-modifying-the-stay-at-home-order-and-other-covid-19-interventionsLink to https://www.gov.ca.gov/2020/04/14/governor-newsom-outlines-six-critical-indicators-the-state-will-consider-before-modifying-the-stay-at-home-order-and-other-covid-19-interventionsLink to https://www.gov.ca.gov/2020/04/14/governor-newsom-outlines-six-critical-indicators-the-state-will-consider-before-modifying-the-stay-at-home-order-and-other-covid-19-interventionsLink to https://www.gov.ca.gov/2020/04/14/governor-newsom-outlines-six-critical-indicators-the-state-will-consider-before-modifying-the-stay-at-home-order-and-other-covid-19-interventionsLink to https://www.gov.ca.gov/2020/04/14/governor-newsom-outlines-six-critical-indicators-the-state-will-consider-before-modifying-the-stay-at-home-order-and-other-covid-19-interventionsLink to https://www.gov.ca.gov/2020/04/14/governor-newsom-outlines-six-critical-indicators-the-state-will-consider-before-modifying-the-stay-at-home-order-and-other-covid-19-interventionsLink to https://www.gov.ca.gov/2020/04/14/governor-newsom-outlines-six-critical-indicators-the-state-will-consider-before-modifying-the-stay-at-home-order-and-other-covid-19-interventionsLink to https://www.gov.ca.gov/2020/04/14/governor-newsom-outlines-six-critical-indicators-the-state-will-consider-before-modifying-the-stay-at-home-order-and-other-covid-19-interventionsLink to https://www.gov.ca.gov/2020/04/14/governor-newsom-outlines-six-critical-indicators-the-state-will-consider-before-modifying-the-stay-at-home-order-and-other-covid-19-interventionsLink to https://www.gov.ca.gov/2020/04/14/governor-newsom-outlines-six-critical-indicators-the-state-will-consider-before-modifying-the-stay-at-home-order-and-other-covid-19-interventionsLink to https://www.gov.ca.gov/2020/04/14/governor-newsom-outlines-six-critical-indicators-the-state-will-consider-before-modifying-the-stay-at-home-order-and-other-covid-19-interventionsLink to https://www.gov.ca.gov/2020/04/14/governor-newsom-outlines-six-critical-indicators-the-state-will-consider-before-modifying-the-stay-at-home-order-and-other-covid-19-interventionsLink to https://www.gov.ca.gov/2020/04/14/governor-newsom-outlines-six-critical-indicators-the-state-will-consider-before-modifying-the-stay-at-home-order-and-other-covid-19-interventionsLink to https://www.gov.ca.gov/2020/04/14/governor-newsom-outlines-six-critical-indicators-the-state-will-consider-before-modifying-the-stay-at-home-order-and-other-covid-19-interventionsLink to https://www.gov.ca.gov/2020/04/14/governor-newsom-outlines-six-critical-indicators-the-state-will-consider-before-modifying-the-stay-at-home-order-and-other-covid-19-interventionsLink to https://www.gov.ca.gov/2020/04/14/governor-newsom-outlines-six-critical-indicators-the-state-will-consider-before-modifying-the-stay-at-home-order-and-other-covid-19-interventionsLink to https://www.gov.ca.gov/2020/04/14/governor-newsom-outlines-six-critical-indicators-the-state-will-consider-before-modifying-the-stay-at-home-order-and-other-covid-19-interventionsLink to https://www.gov.ca.gov/2020/04/14/governor-newsom-outlines-six-critical-indicators-the-state-will-consider-before-modifying-the-stay-at-home-order-and-other-covid-19-interventionsLink to https://www.gov.ca.gov/2020/04/14/governor-newsom-outlines-six-critical-indicators-the-state-will-consider-before-modifying-the-stay-at-home-order-and-other-covid-19-interventionsLink to https://www.gov.ca.gov/2020/04/14/governor-newsom-outlines-six-critical-indicators-the-state-will-consider-before-modifying-the-stay-at-home-order-and-other-covid-19-interventionsLink to https://www.gov.ca.gov/2020/04/14/governor-newsom-outlines-six-critical-indicators-the-state-will-consider-before-modifying-the-stay-at-home-order-and-other-covid-19-interventionsLink to https://www.gov.ca.gov/2020/04/14/governor-newsom-outlines-six-critical-indicators-the-state-will-consider-before-modifying-the-stay-at-home-order-and-other-covid-19-interventionsLink to https://www.gov.ca.gov/2020/04/14/governor-newsom-outlines-six-critical-indicators-the-state-will-consider-before-modifying-the-stay-at-home-order-and-other-covid-19-interventionsLink to https://www.gov.ca.gov/2020/04/14/governor-newsom-outlines-six-critical-indicators-the-state-will-consider-before-modifying-the-stay-at-home-order-and-other-covid-19-interventionsClick here to review a summary of the press conference.

Presently, the state of California is under a Stay at Home Order issued March 19th with exemptions for operation of essential businesses including the Financial Services Sector, defined by the Cybersecurity & Infrastructure Security Agency as “thousands of depository institutions, providers of investment products, insurance companies, other credit and financing organizations and the providers of critical financial utilities and services that support these functions,” and including:

  • “Workers who are needed to provide, process and maintain systems for processing, verification, and recording of financial transactions and services, including payment, clearing, and settlement; wholesale funding; insurance services; consumer and commercial lending; and capital markets activities” and
  • “Workers who are needed to provide business, commercial, and consumer access to bank and non-bank financial services and lending services, including ATMs, lending and money transmission, and to move currency, checks, securities, and payments (e.g., armored cash carriers).”

While the Governor and the Department of Business Oversight have “urged” financial institutions to provide loan forbearance and halt foreclosure activity related to defaults caused by COVID-19 effects, there is no mandatory ban against all non-judicial foreclosure activity in the state at this time. Senate Bill 828 proposing such a ban has not yet been passed by the legislature, which is currently in recess and scheduled to return May 4, 2020. There is a ban on judicial foreclosure and eviction activity in the court system imposed by the California Judicial Council’s Emergency Rules effective April 6, 2020. In addition, several counties and local jurisdictions have issued “Shelter in Place” or Stay at Home orders that limit the size of public gatherings and contain more narrow descriptions of essential business activity, such that conduct of non-judicial foreclosure sales has been deemed prohibited in those jurisdictions. If you have questions about the current status of the prohibitions in any particular jurisdiction in California, please contact our office and we can confirm the most up-to-date information.

Los Angeles County Amends and Extends Its Stay at Home Order
On April 10, 2020, the Los Angeles County Public Health Officer issued an updated “SAFER AT HOME ORDER FOR CONTROL OF COVID-19: Temporary Prohibition of All Events and Gatherings, Closure of Non-Essential Businesses and Areas,” good through May 15, 2020. The Order specifically requires all businesses to cease in-person operations and remain closed to the public, unless the business is defined as an Essential Business by the Order. Essential Businesses are required to implement Social Distancing Protocol and provide face coverings to all employees who require contact with other employees or the public, to wear while performing duties that involve such contact. “All public or private gatherings of any number of people occurring outside a single household or living unit are prohibited within the County of Los Angeles Public Health Jurisdiction, except for the limited purposes expressly permitted by this Order.”

The definitions of Essential Businesses include the following: “(f) Banks, credit unions, financial institutions and insurance companies;..(n) Businesses that supply other Essential Businesses with the support or supplies necessary to operate. This exemption shall not be sued as a basis for engaging in sales to the general public from retail storefronts;…(t) Professional services such as legal, payroll or accounting services, when necessary to assist in compliance with legally mandated activities, and the permitting, inspection construction transfer and recording of ownership of housing, including residential and commercial real estate and anything incidental thereto, provided that appointment and other residential viewings must occur only virtually, or by appointment with no more than two visitors at a time…” Link to https://covid19.lacounty.gov/wp-content/uploads/HOO_Safer-at-Home-Order-for-Control-of-COVID_04102020.pdfLink to https://covid19.lacounty.gov/wp-content/uploads/HOO_Safer-at-Home-Order-for-Control-of-COVID_04102020.pdfLink to https://covid19.lacounty.gov/wp-content/uploads/HOO_Safer-at-Home-Order-for-Control-of-COVID_04102020.pdfLink to https://covid19.lacounty.gov/wp-content/uploads/HOO_Safer-at-Home-Order-for-Control-of-COVID_04102020.pdfLink to https://covid19.lacounty.gov/wp-content/uploads/HOO_Safer-at-Home-Order-for-Control-of-COVID_04102020.pdfLink to https://covid19.lacounty.gov/wp-content/uploads/HOO_Safer-at-Home-Order-for-Control-of-COVID_04102020.pdfLink to https://covid19.lacounty.gov/wp-content/uploads/HOO_Safer-at-Home-Order-for-Control-of-COVID_04102020.pdfLink to https://covid19.lacounty.gov/wp-content/uploads/HOO_Safer-at-Home-Order-for-Control-of-COVID_04102020.pdfLink to https://covid19.lacounty.gov/wp-content/uploads/HOO_Safer-at-Home-Order-for-Control-of-COVID_04102020.pdfLink to https://covid19.lacounty.gov/wp-content/uploads/HOO_Safer-at-Home-Order-for-Control-of-COVID_04102020.pdfLink to https://covid19.lacounty.gov/wp-content/uploads/HOO_Safer-at-Home-Order-for-Control-of-COVID_04102020.pdfLink to https://covid19.lacounty.gov/wp-content/uploads/HOO_Safer-at-Home-Order-for-Control-of-COVID_04102020.pdfLink to https://covid19.lacounty.gov/wp-content/uploads/HOO_Safer-at-Home-Order-for-Control-of-COVID_04102020.pdfLink to https://covid19.lacounty.gov/wp-content/uploads/HOO_Safer-at-Home-Order-for-Control-of-COVID_04102020.pdfLink to https://covid19.lacounty.gov/wp-content/uploads/HOO_Safer-at-Home-Order-for-Control-of-COVID_04102020.pdfLink to https://covid19.lacounty.gov/wp-content/uploads/HOO_Safer-at-Home-Order-for-Control-of-COVID_04102020.pdfLink to https://covid19.lacounty.gov/wp-content/uploads/HOO_Safer-at-Home-Order-for-Control-of-COVID_04102020.pdfLink to https://covid19.lacounty.gov/wp-content/uploads/HOO_Safer-at-Home-Order-for-Control-of-COVID_04102020.pdfLink to https://covid19.lacounty.gov/wp-content/uploads/HOO_Safer-at-Home-Order-for-Control-of-COVID_04102020.pdfLink to https://covid19.lacounty.gov/wp-content/uploads/HOO_Safer-at-Home-Order-for-Control-of-COVID_04102020.pdfLink to https://covid19.lacounty.gov/wp-content/uploads/HOO_Safer-at-Home-Order-for-Control-of-COVID_04102020.pdfLink to https://covid19.lacounty.gov/wp-content/uploads/HOO_Safer-at-Home-Order-for-Control-of-COVID_04102020.pdfLink to https://covid19.lacounty.gov/wp-content/uploads/HOO_Safer-at-Home-Order-for-Control-of-COVID_04102020.pdfLink to https://covid19.lacounty.gov/wp-content/uploads/HOO_Safer-at-Home-Order-for-Control-of-COVID_04102020.pdfLink to https://covid19.lacounty.gov/wp-content/uploads/HOO_Safer-at-Home-Order-for-Control-of-COVID_04102020.pdfLink to https://covid19.lacounty.gov/wp-content/uploads/HOO_Safer-at-Home-Order-for-Control-of-COVID_04102020.pdfLink to https://covid19.lacounty.gov/wp-content/uploads/HOO_Safer-at-Home-Order-for-Control-of-COVID_04102020.pdfLink to https://covid19.lacounty.gov/wp-content/uploads/HOO_Safer-at-Home-Order-for-Control-of-COVID_04102020.pdfLink to https://covid19.lacounty.gov/wp-content/uploads/HOO_Safer-at-Home-Order-for-Control-of-COVID_04102020.pdfLink to https://covid19.lacounty.gov/wp-content/uploads/HOO_Safer-at-Home-Order-for-Control-of-COVID_04102020.pdfLink to https://covid19.lacounty.gov/wp-content/uploads/HOO_Safer-at-Home-Order-for-Control-of-COVID_04102020.pdfLink to https://covid19.lacounty.gov/wp-content/uploads/HOO_Safer-at-Home-Order-for-Control-of-COVID_04102020.pdfLink to https://covid19.lacounty.gov/wp-content/uploads/HOO_Safer-at-Home-Order-for-Control-of-COVID_04102020.pdfLink to https://covid19.lacounty.gov/wp-content/uploads/HOO_Safer-at-Home-Order-for-Control-of-COVID_04102020.pdfLink to https://covid19.lacounty.gov/wp-content/uploads/HOO_Safer-at-Home-Order-for-Control-of-COVID_04102020.pdfLink to https://covid19.lacounty.gov/wp-content/uploads/HOO_Safer-at-Home-Order-for-Control-of-COVID_04102020.pdfLink to https://covid19.lacounty.gov/wp-content/uploads/HOO_Safer-at-Home-Order-for-Control-of-COVID_04102020.pdfLink to https://covid19.lacounty.gov/wp-content/uploads/HOO_Safer-at-Home-Order-for-Control-of-COVID_04102020.pdfLink to https://covid19.lacounty.gov/wp-content/uploads/HOO_Safer-at-Home-Order-for-Control-of-COVID_04102020.pdfLink to https://covid19.lacounty.gov/wp-content/uploads/HOO_Safer-at-Home-Order-for-Control-of-COVID_04102020.pdfLink to https://covid19.lacounty.gov/wp-content/uploads/HOO_Safer-at-Home-Order-for-Control-of-COVID_04102020.pdfLink to https://covid19.lacounty.gov/wp-content/uploads/HOO_Safer-at-Home-Order-for-Control-of-COVID_04102020.pdfLink to https://covid19.lacounty.gov/wp-content/uploads/HOO_Safer-at-Home-Order-for-Control-of-COVID_04102020.pdfLink to https://covid19.lacounty.gov/wp-content/uploads/HOO_Safer-at-Home-Order-for-Control-of-COVID_04102020.pdfLink to https://covid19.lacounty.gov/wp-content/uploads/HOO_Safer-at-Home-Order-for-Control-of-COVID_04102020.pdfLink to https://covid19.lacounty.gov/wp-content/uploads/HOO_Safer-at-Home-Order-for-Control-of-COVID_04102020.pdfLink to https://covid19.lacounty.gov/wp-content/uploads/HOO_Safer-at-Home-Order-for-Control-of-COVID_04102020.pdfClick here to review a copy of the updated Order.

This Los Angeles Order including limitations on public gatherings of any size is an example of language deemed to prohibit the crying of a foreclosure sale to a group of bidders. However, it is our belief that the crying of a postponement only for the purpose of maintaining the status quo as required by applicable California non-judicial laws would be permissible to postpone the sale to a date beyond an applicable stay at home order. That said, if any law enforcement officer prohibits the crying of such postponements, of course, the agent or employee must comply, requiring the sale to be taken off calendar and renoticed.

Updates on Court Operations Limitations and Closures
Link to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfClick here to see an updated chart identifying information and website links for the status of Court Closures and Operations Limitations for the states of Arizona, California, Nevada, Oregon, Utah and Washington.

Due to the constantly changing situation, the above and the attached may not be a comprehensive list of closures and impacts. Keep checking this website for the latest developments in our states. If you have additional questions or concerns regarding these important matters, please feel free to contact Link to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netRobin Wright, Link to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netMichelle Mierzwa or Link to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netRobert Finlay.


Wright, Finlay & Zak's COVID-19 Update: April 13, 2020

April 13, 2020

As with our prior notifications regarding the impact of COVID-19-related issues, the situation continues to be fluid when it comes to servicing of loans, the management of default and REO assets and litigation in the court systems. Below is an update on the latest state and local developments throughout the Western U.S. In addition, this update also includes a discussion of Fannie Mae’s Treatment of Scheduled Foreclosure Sales during the CARES Act Moratorium Period. As with all our updates, please keep in mind that additional orders and directives are being considered and issued by state and local jurisdictions as we speak, and we will continue to monitor all channels to provide you with updated information as it becomes available. Thanks, everyone.

Veterans Administration Issues Guidance Regarding CARES Act Implementation
On April 8, 2020, the Veterans Administration issued Circular 26-20-12: “Extended Relief Under the CARES Act for those Affected by COVID-19,” which updates the previous COVID-19 relief outlined in Circular 26-20-7 to comply with the CARES Act provisions enacted March 27, 2020. As previously reported, the CARES Act enacted a foreclosure moratorium through May 17, 2020, and provides up to two 180-day forbearance periods upon request by VA (and other federally-backed loan) borrowers. The Circular includes a special section on Exiting Forbearance, including the following guidance: “Servicers should consider all the loss mitigation options described by Chapter 5 of the VA Servicer Handbook M26-4 (including those related to disasters) in determining how to account for payments that were subject to a CARES Act forbearance. Such loss mitigation options include, but are not limited to:

  1. Repayment plans,Loan modifications,
  2. Streamline modifications,
  3. VA Affordable modifications,
  4. VA Disaster modifications, and
  5. Disaster Extend modifications….

Servicers are not to require a borrower who receives a CARES Act forbearance to make a lump sum payment, equating to what would have been due if a forbearance was not in effect, after the forbearance period ends.” Link to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_12.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_12.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_12.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_12.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_12.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_12.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_12.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_12.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_12.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_12.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_12.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_12.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_12.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_12.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_12.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_12.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_12.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_12.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_12.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_12.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_12.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_12.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_12.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_12.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_12.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_12.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_12.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_12.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_12.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_12.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_12.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_12.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_12.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_12.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_12.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_12.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_12.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_12.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_12.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_12.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_12.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_12.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_12.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_12.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_12.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_12.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_12.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_12.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_12.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_12.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_12.pdfClick here to review a copy of the Circular.

STATE SPOTLIGHT: Utah’s Governor Extends Stay at Home Order
As previously reported, Utah’s Governor initially issued a Stay Safe, Stay Home Order on March 27, 2020. On April 13, 2020, Utah’s Governor issued a Proclamation extending the existing Stay at Home Order through May 1, 2020. Link to https://drive.google.com/file/d/1Ypzr9sM2b0XAqKYhR37aUkZMlmM-_5av/viewLink to https://drive.google.com/file/d/1Ypzr9sM2b0XAqKYhR37aUkZMlmM-_5av/viewLink to https://drive.google.com/file/d/1Ypzr9sM2b0XAqKYhR37aUkZMlmM-_5av/viewLink to https://drive.google.com/file/d/1Ypzr9sM2b0XAqKYhR37aUkZMlmM-_5av/viewLink to https://drive.google.com/file/d/1Ypzr9sM2b0XAqKYhR37aUkZMlmM-_5av/viewLink to https://drive.google.com/file/d/1Ypzr9sM2b0XAqKYhR37aUkZMlmM-_5av/viewLink to https://drive.google.com/file/d/1Ypzr9sM2b0XAqKYhR37aUkZMlmM-_5av/viewLink to https://drive.google.com/file/d/1Ypzr9sM2b0XAqKYhR37aUkZMlmM-_5av/viewLink to https://drive.google.com/file/d/1Ypzr9sM2b0XAqKYhR37aUkZMlmM-_5av/viewLink to https://drive.google.com/file/d/1Ypzr9sM2b0XAqKYhR37aUkZMlmM-_5av/viewLink to https://drive.google.com/file/d/1Ypzr9sM2b0XAqKYhR37aUkZMlmM-_5av/viewLink to https://drive.google.com/file/d/1Ypzr9sM2b0XAqKYhR37aUkZMlmM-_5av/viewLink to https://drive.google.com/file/d/1Ypzr9sM2b0XAqKYhR37aUkZMlmM-_5av/viewLink to https://drive.google.com/file/d/1Ypzr9sM2b0XAqKYhR37aUkZMlmM-_5av/viewLink to https://drive.google.com/file/d/1Ypzr9sM2b0XAqKYhR37aUkZMlmM-_5av/viewLink to https://drive.google.com/file/d/1Ypzr9sM2b0XAqKYhR37aUkZMlmM-_5av/viewLink to https://drive.google.com/file/d/1Ypzr9sM2b0XAqKYhR37aUkZMlmM-_5av/viewLink to https://drive.google.com/file/d/1Ypzr9sM2b0XAqKYhR37aUkZMlmM-_5av/viewLink to https://drive.google.com/file/d/1Ypzr9sM2b0XAqKYhR37aUkZMlmM-_5av/viewLink to https://drive.google.com/file/d/1Ypzr9sM2b0XAqKYhR37aUkZMlmM-_5av/viewLink to https://drive.google.com/file/d/1Ypzr9sM2b0XAqKYhR37aUkZMlmM-_5av/viewLink to https://drive.google.com/file/d/1Ypzr9sM2b0XAqKYhR37aUkZMlmM-_5av/viewLink to https://drive.google.com/file/d/1Ypzr9sM2b0XAqKYhR37aUkZMlmM-_5av/viewLink to https://drive.google.com/file/d/1Ypzr9sM2b0XAqKYhR37aUkZMlmM-_5av/viewLink to https://drive.google.com/file/d/1Ypzr9sM2b0XAqKYhR37aUkZMlmM-_5av/viewLink to https://drive.google.com/file/d/1Ypzr9sM2b0XAqKYhR37aUkZMlmM-_5av/viewLink to https://drive.google.com/file/d/1Ypzr9sM2b0XAqKYhR37aUkZMlmM-_5av/viewLink to https://drive.google.com/file/d/1Ypzr9sM2b0XAqKYhR37aUkZMlmM-_5av/viewLink to https://drive.google.com/file/d/1Ypzr9sM2b0XAqKYhR37aUkZMlmM-_5av/viewLink to https://drive.google.com/file/d/1Ypzr9sM2b0XAqKYhR37aUkZMlmM-_5av/viewLink to https://drive.google.com/file/d/1Ypzr9sM2b0XAqKYhR37aUkZMlmM-_5av/viewLink to https://drive.google.com/file/d/1Ypzr9sM2b0XAqKYhR37aUkZMlmM-_5av/viewLink to https://drive.google.com/file/d/1Ypzr9sM2b0XAqKYhR37aUkZMlmM-_5av/viewLink to https://drive.google.com/file/d/1Ypzr9sM2b0XAqKYhR37aUkZMlmM-_5av/viewLink to https://drive.google.com/file/d/1Ypzr9sM2b0XAqKYhR37aUkZMlmM-_5av/viewLink to https://drive.google.com/file/d/1Ypzr9sM2b0XAqKYhR37aUkZMlmM-_5av/viewLink to https://drive.google.com/file/d/1Ypzr9sM2b0XAqKYhR37aUkZMlmM-_5av/viewLink to https://drive.google.com/file/d/1Ypzr9sM2b0XAqKYhR37aUkZMlmM-_5av/viewLink to https://drive.google.com/file/d/1Ypzr9sM2b0XAqKYhR37aUkZMlmM-_5av/viewLink to https://drive.google.com/file/d/1Ypzr9sM2b0XAqKYhR37aUkZMlmM-_5av/viewLink to https://drive.google.com/file/d/1Ypzr9sM2b0XAqKYhR37aUkZMlmM-_5av/viewLink to https://drive.google.com/file/d/1Ypzr9sM2b0XAqKYhR37aUkZMlmM-_5av/viewLink to https://drive.google.com/file/d/1Ypzr9sM2b0XAqKYhR37aUkZMlmM-_5av/viewLink to https://drive.google.com/file/d/1Ypzr9sM2b0XAqKYhR37aUkZMlmM-_5av/viewLink to https://drive.google.com/file/d/1Ypzr9sM2b0XAqKYhR37aUkZMlmM-_5av/viewLink to https://drive.google.com/file/d/1Ypzr9sM2b0XAqKYhR37aUkZMlmM-_5av/viewLink to https://drive.google.com/file/d/1Ypzr9sM2b0XAqKYhR37aUkZMlmM-_5av/viewLink to https://drive.google.com/file/d/1Ypzr9sM2b0XAqKYhR37aUkZMlmM-_5av/viewLink to https://drive.google.com/file/d/1Ypzr9sM2b0XAqKYhR37aUkZMlmM-_5av/viewLink to https://drive.google.com/file/d/1Ypzr9sM2b0XAqKYhR37aUkZMlmM-_5av/viewLink to https://drive.google.com/file/d/1Ypzr9sM2b0XAqKYhR37aUkZMlmM-_5av/viewClick here to review a copy of the Proclamation. To date, Utah has not implemented any foreclosure-specific moratorium, but as previously reported, the Governor did issue an Executive Order on April 1, 2020, providing protections against eviction through May 15, 2020 for tenants who were current in rent payment as of March 31, 2020 and who were impacted by COVID-19-related loss of wages or job or personal infection or mandatory isolation related to COVID-19.

Updates on Court Operations Limitations and Closures

Link to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfClick here to see an updated chart identifying information and website links for the status of Court Closures and Operations Limitations for the states of Arizona, California, Nevada, Oregon, Utah and Washington.

Due to the constantly changing situation, the above and the attached may not be a comprehensive list of closures and impacts. Keep checking this website for the latest developments in our states. If you have additional questions or concerns regarding these important matters, please feel free to contact Link to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netRobin Wright, Link to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netMichelle Mierzwa or Link to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netRobert Finlay.


Wright, Finlay & Zak's COVID-19 Update: April 9, 2020

April 9, 2020

As with our prior notifications regarding the impact of COVID-19-related issues, the situation continues to be fluid when it comes to servicing of loans, the management of default and REO assets and litigation in the court systems. Below is an update on the latest state and local developments throughout the Western U.S. In addition, this update also includes a discussion of Fannie Mae’s Treatment of Scheduled Foreclosure Sales during the CARES Act Moratorium Period. As with all our updates, please keep in mind that additional orders and directives are being considered and issued by state and local jurisdictions as we speak, and we will continue to monitor all channels to provide you with updated information as it becomes available. Thanks, everyone.

Fannie Mae Provides Guidance Regarding Treatment of Scheduled Foreclosure Sales
On April 9, 2020, Fannie Mae provided guidance to default firms regarding treatment of scheduled foreclosure sales in light of recent COVID-19 and CARES Act-related directives. As previously reported, the CARES Act and updated FNMA Lender Letter 2020-02 prohibit a server to “execute a foreclosure-related eviction or foreclosure sale” through May 17, 2020. This begs the question as to the required method of preventing the execution of these sales. Procedures and costs for postponement or rescheduling of foreclosure sales vary widely by state, some running up against state orders to “stay at home” or local public gathering limitations. As a result, Fannie Mae has advised that all currently-scheduled foreclosure sales shall be taken off calendar UNLESS, it is permissible to postpone, rather than cancel, a sale scheduled to occur during any applicable moratoria, AND the postponement can be accomplished (a) without the need to attend the scheduled sale location, (b) without the need to wait until the date and time of the scheduled sale to announce or effect the postponement, and (c) without the need to fix a new sale date at the time of the postponement. In the case of non-judicial foreclosure sales scheduled in our firm’s Western states of Arizona, California, Nevada, Oregon and Washington, a verbal postponement is required by applicable statutes to be cried at the time and place of the currently-scheduled sale, advising of the new sale date. As a result, firms will not be able to postpone any Fannie Mae foreclosure sales that are currently-scheduled inside the existing moratorium period through May 17, 2020, or any later-extended Fannie Mae moratorium period. Based on the above, you will see impacted Fannie Mae sales being taken off calendar instead of postponed, with the files placed on hold until the federal moratoria are terminated. The only exception to the foregoing is for documented vacant and abandoned properties.

Arizona’s Governor Accelerates Effective Date of Remote Online Notarization Statute
Arizona’s Remote Online Notarization statute (Senate Bill 1030) was originally enacted with an effective date of June 30, 2020. On April 8, 2020, Arizona’s Governor issued an Executive Order moving up the effective date of the Arizona RON program to April 10, 2020. As of April 10, 2020, Arizona licensed notaries can submit applications for approval to conduct remote online notarization. Link to https://azgovernor.gov/sites/default/files/eo_2020-26.pdfLink to https://azgovernor.gov/sites/default/files/eo_2020-26.pdfLink to https://azgovernor.gov/sites/default/files/eo_2020-26.pdfLink to https://azgovernor.gov/sites/default/files/eo_2020-26.pdfLink to https://azgovernor.gov/sites/default/files/eo_2020-26.pdfLink to https://azgovernor.gov/sites/default/files/eo_2020-26.pdfLink to https://azgovernor.gov/sites/default/files/eo_2020-26.pdfLink to https://azgovernor.gov/sites/default/files/eo_2020-26.pdfLink to https://azgovernor.gov/sites/default/files/eo_2020-26.pdfLink to https://azgovernor.gov/sites/default/files/eo_2020-26.pdfLink to https://azgovernor.gov/sites/default/files/eo_2020-26.pdfLink to https://azgovernor.gov/sites/default/files/eo_2020-26.pdfLink to https://azgovernor.gov/sites/default/files/eo_2020-26.pdfLink to https://azgovernor.gov/sites/default/files/eo_2020-26.pdfLink to https://azgovernor.gov/sites/default/files/eo_2020-26.pdfLink to https://azgovernor.gov/sites/default/files/eo_2020-26.pdfLink to https://azgovernor.gov/sites/default/files/eo_2020-26.pdfLink to https://azgovernor.gov/sites/default/files/eo_2020-26.pdfLink to https://azgovernor.gov/sites/default/files/eo_2020-26.pdfLink to https://azgovernor.gov/sites/default/files/eo_2020-26.pdfLink to https://azgovernor.gov/sites/default/files/eo_2020-26.pdfLink to https://azgovernor.gov/sites/default/files/eo_2020-26.pdfLink to https://azgovernor.gov/sites/default/files/eo_2020-26.pdfLink to https://azgovernor.gov/sites/default/files/eo_2020-26.pdfLink to https://azgovernor.gov/sites/default/files/eo_2020-26.pdfLink to https://azgovernor.gov/sites/default/files/eo_2020-26.pdfLink to https://azgovernor.gov/sites/default/files/eo_2020-26.pdfLink to https://azgovernor.gov/sites/default/files/eo_2020-26.pdfLink to https://azgovernor.gov/sites/default/files/eo_2020-26.pdfLink to https://azgovernor.gov/sites/default/files/eo_2020-26.pdfLink to https://azgovernor.gov/sites/default/files/eo_2020-26.pdfLink to https://azgovernor.gov/sites/default/files/eo_2020-26.pdfLink to https://azgovernor.gov/sites/default/files/eo_2020-26.pdfLink to https://azgovernor.gov/sites/default/files/eo_2020-26.pdfLink to https://azgovernor.gov/sites/default/files/eo_2020-26.pdfLink to https://azgovernor.gov/sites/default/files/eo_2020-26.pdfLink to https://azgovernor.gov/sites/default/files/eo_2020-26.pdfLink to https://azgovernor.gov/sites/default/files/eo_2020-26.pdfLink to https://azgovernor.gov/sites/default/files/eo_2020-26.pdfLink to https://azgovernor.gov/sites/default/files/eo_2020-26.pdfLink to https://azgovernor.gov/sites/default/files/eo_2020-26.pdfLink to https://azgovernor.gov/sites/default/files/eo_2020-26.pdfLink to https://azgovernor.gov/sites/default/files/eo_2020-26.pdfLink to https://azgovernor.gov/sites/default/files/eo_2020-26.pdfLink to https://azgovernor.gov/sites/default/files/eo_2020-26.pdfLink to https://azgovernor.gov/sites/default/files/eo_2020-26.pdfLink to https://azgovernor.gov/sites/default/files/eo_2020-26.pdfLink to https://azgovernor.gov/sites/default/files/eo_2020-26.pdfLink to https://azgovernor.gov/sites/default/files/eo_2020-26.pdfLink to https://azgovernor.gov/sites/default/files/eo_2020-26.pdfLink to https://azgovernor.gov/sites/default/files/eo_2020-26.pdfLink to https://azgovernor.gov/sites/default/files/eo_2020-26.pdfLink to https://azgovernor.gov/sites/default/files/eo_2020-26.pdfClick here to review a copy of the Order.

Updates on Court Operations Limitations and Closures
Link to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfClick here to see an updated chart identifying information and website links for the status of Court Closures and Operations Limitations for the states of Arizona, California, Nevada, Oregon, Utah and Washington.

Due to the constantly changing situation, the above and the attached may not be a comprehensive list of closures and impacts. Keep checking this website for the latest developments in our states. If you have additional questions or concerns regarding these important matters, please feel free to contact Link to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netRobin Wright, Link to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netMichelle Mierzwa or Link to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netRobert Finlay.


Wright, Finlay & Zak's COVID-19 Update: April 8, 2020

April 8, 2020

As with our prior notifications regarding the impact of COVID-19-related issues, the situation continues to be fluid when it comes to servicing of loans, the management of default and REO assets and litigation in the court systems. Below is an update on the latest state and local developments throughout the Western U.S. In addition, this update also includes a discussion of GSE Moratoria on Bankruptcy Motions for Relief from Stay due to the COVID-19 Pandemic. As with all our updates, please keep in mind that additional orders and directives are being considered and issued by state and local jurisdictions as we speak, and we will continue to monitor all channels to provide you with updated information as it becomes available. Thanks, everyone.

Fannie Mae and Freddie Mac Implement Temporary Moratoria on Bankruptcy Motions for Relief from Stay
Both GSEs generally require servicers to file motions for relief from the automatic stay in bankruptcy cases upon certain milestones, or based on the length of post-petition payment delinquency. In light of the CARES Act and other impacts resulting from the COVID 19 National Emergency, the GSEs are temporarily relieving servicers of the obligation to meet these timelines. This temporary suspension will be in effect for not less than the 60-day period beginning on March 18, 2020. Servicers must continue to work with their bankruptcy counsel to determine the appropriate time to file such motions. On April 8, 2020, Fannie Mae issued updates to Link to https://singlefamily.fanniemae.com/media/22261/displayLink to https://singlefamily.fanniemae.com/media/22261/displayLink to https://singlefamily.fanniemae.com/media/22261/displayLink to https://singlefamily.fanniemae.com/media/22261/displayLink to https://singlefamily.fanniemae.com/media/22261/displayLink to https://singlefamily.fanniemae.com/media/22261/displayLink to https://singlefamily.fanniemae.com/media/22261/displayLink to https://singlefamily.fanniemae.com/media/22261/displayLink to https://singlefamily.fanniemae.com/media/22261/displayLink to https://singlefamily.fanniemae.com/media/22261/displayLink to https://singlefamily.fanniemae.com/media/22261/displayLink to https://singlefamily.fanniemae.com/media/22261/displayLink to https://singlefamily.fanniemae.com/media/22261/displayLink to https://singlefamily.fanniemae.com/media/22261/displayLink to https://singlefamily.fanniemae.com/media/22261/displayLink to https://singlefamily.fanniemae.com/media/22261/displayLink to https://singlefamily.fanniemae.com/media/22261/displayLink to https://singlefamily.fanniemae.com/media/22261/displayLink to https://singlefamily.fanniemae.com/media/22261/displayLink to https://singlefamily.fanniemae.com/media/22261/displayLink to https://singlefamily.fanniemae.com/media/22261/displayLink to https://singlefamily.fanniemae.com/media/22261/displayLink to https://singlefamily.fanniemae.com/media/22261/displayLink to https://singlefamily.fanniemae.com/media/22261/displayLink to https://singlefamily.fanniemae.com/media/22261/displayLink to https://singlefamily.fanniemae.com/media/22261/displayLink to https://singlefamily.fanniemae.com/media/22261/displayLink to https://singlefamily.fanniemae.com/media/22261/displayLink to https://singlefamily.fanniemae.com/media/22261/displayLink to https://singlefamily.fanniemae.com/media/22261/displayLink to https://singlefamily.fanniemae.com/media/22261/displayLink to https://singlefamily.fanniemae.com/media/22261/displayLink to https://singlefamily.fanniemae.com/media/22261/displayLink to https://singlefamily.fanniemae.com/media/22261/displayLink to https://singlefamily.fanniemae.com/media/22261/displayLink to https://singlefamily.fanniemae.com/media/22261/displayLink to https://singlefamily.fanniemae.com/media/22261/displayLink to https://singlefamily.fanniemae.com/media/22261/displayLink to https://singlefamily.fanniemae.com/media/22261/displayLink to https://singlefamily.fanniemae.com/media/22261/displayLink to https://singlefamily.fanniemae.com/media/22261/displayLink to https://singlefamily.fanniemae.com/media/22261/displayLink to https://singlefamily.fanniemae.com/media/22261/displayLink to https://singlefamily.fanniemae.com/media/22261/displayLink to https://singlefamily.fanniemae.com/media/22261/displayLink to https://singlefamily.fanniemae.com/media/22261/displayLink to https://singlefamily.fanniemae.com/media/22261/displayLink to https://singlefamily.fanniemae.com/media/22261/displayLink to https://singlefamily.fanniemae.com/media/22261/displayLink to https://singlefamily.fanniemae.com/media/22261/displayLink to https://singlefamily.fanniemae.com/media/22261/displayLink to https://singlefamily.fanniemae.com/media/22261/displayLink to https://singlefamily.fanniemae.com/media/22261/displayLink to https://singlefamily.fanniemae.com/media/22261/displayLink to https://singlefamily.fanniemae.com/media/22261/displayLender Letter 2020-02 and Freddie Mac issued Link to https://guide.freddiemac.com/ci/okcsFattach/get/1003791_7Link to https://guide.freddiemac.com/ci/okcsFattach/get/1003791_7Link to https://guide.freddiemac.com/ci/okcsFattach/get/1003791_7Link to https://guide.freddiemac.com/ci/okcsFattach/get/1003791_7Link to https://guide.freddiemac.com/ci/okcsFattach/get/1003791_7Link to https://guide.freddiemac.com/ci/okcsFattach/get/1003791_7Link to https://guide.freddiemac.com/ci/okcsFattach/get/1003791_7Link to https://guide.freddiemac.com/ci/okcsFattach/get/1003791_7Link to https://guide.freddiemac.com/ci/okcsFattach/get/1003791_7Link to https://guide.freddiemac.com/ci/okcsFattach/get/1003791_7Link to https://guide.freddiemac.com/ci/okcsFattach/get/1003791_7Link to https://guide.freddiemac.com/ci/okcsFattach/get/1003791_7Link to https://guide.freddiemac.com/ci/okcsFattach/get/1003791_7Link to https://guide.freddiemac.com/ci/okcsFattach/get/1003791_7Link to https://guide.freddiemac.com/ci/okcsFattach/get/1003791_7Link to https://guide.freddiemac.com/ci/okcsFattach/get/1003791_7Link to https://guide.freddiemac.com/ci/okcsFattach/get/1003791_7Link to https://guide.freddiemac.com/ci/okcsFattach/get/1003791_7Link to https://guide.freddiemac.com/ci/okcsFattach/get/1003791_7Link to https://guide.freddiemac.com/ci/okcsFattach/get/1003791_7Link to https://guide.freddiemac.com/ci/okcsFattach/get/1003791_7Link to https://guide.freddiemac.com/ci/okcsFattach/get/1003791_7Link to https://guide.freddiemac.com/ci/okcsFattach/get/1003791_7Link to https://guide.freddiemac.com/ci/okcsFattach/get/1003791_7Link to https://guide.freddiemac.com/ci/okcsFattach/get/1003791_7Link to https://guide.freddiemac.com/ci/okcsFattach/get/1003791_7Link to https://guide.freddiemac.com/ci/okcsFattach/get/1003791_7Link to https://guide.freddiemac.com/ci/okcsFattach/get/1003791_7Link to https://guide.freddiemac.com/ci/okcsFattach/get/1003791_7Link to https://guide.freddiemac.com/ci/okcsFattach/get/1003791_7Link to https://guide.freddiemac.com/ci/okcsFattach/get/1003791_7Link to https://guide.freddiemac.com/ci/okcsFattach/get/1003791_7Link to https://guide.freddiemac.com/ci/okcsFattach/get/1003791_7Link to https://guide.freddiemac.com/ci/okcsFattach/get/1003791_7Link to https://guide.freddiemac.com/ci/okcsFattach/get/1003791_7Link to https://guide.freddiemac.com/ci/okcsFattach/get/1003791_7Link to https://guide.freddiemac.com/ci/okcsFattach/get/1003791_7Link to https://guide.freddiemac.com/ci/okcsFattach/get/1003791_7Link to https://guide.freddiemac.com/ci/okcsFattach/get/1003791_7Link to https://guide.freddiemac.com/ci/okcsFattach/get/1003791_7Link to https://guide.freddiemac.com/ci/okcsFattach/get/1003791_7Link to https://guide.freddiemac.com/ci/okcsFattach/get/1003791_7Link to https://guide.freddiemac.com/ci/okcsFattach/get/1003791_7Link to https://guide.freddiemac.com/ci/okcsFattach/get/1003791_7Link to https://guide.freddiemac.com/ci/okcsFattach/get/1003791_7Link to https://guide.freddiemac.com/ci/okcsFattach/get/1003791_7Link to https://guide.freddiemac.com/ci/okcsFattach/get/1003791_7Link to https://guide.freddiemac.com/ci/okcsFattach/get/1003791_7Link to https://guide.freddiemac.com/ci/okcsFattach/get/1003791_7Link to https://guide.freddiemac.com/ci/okcsFattach/get/1003791_7Link to https://guide.freddiemac.com/ci/okcsFattach/get/1003791_7Link to https://guide.freddiemac.com/ci/okcsFattach/get/1003791_7Link to https://guide.freddiemac.com/ci/okcsFattach/get/1003791_7Link to https://guide.freddiemac.com/ci/okcsFattach/get/1003791_7Link to https://guide.freddiemac.com/ci/okcsFattach/get/1003791_7Bulletin 2020-10 describing these measures in greater detail. Please reach out to us to discuss any questions you have regarding the current status of bankruptcy matters we are handling on your behalf.

King County, Washington Court Moratorium on Entry of Default Judgments
King County Superior Court issued an Order advising that all civil motions for default and default judgments will be denied, without prejudice, through April 24, 2020. The Order also prolonged the notice periods for noting other motions for hearing. This order was issued on March 27, 2020, five days before the Governor extended the stay at home order through May 4th, so it is likely to be extended beyond April 24th. Link to https://www.kingcounty.gov/~/media/courts/superior-court/docs/COVID-19/FILED-Emergency-Order15-KCSC-200120505.ashx?la=enLink to https://www.kingcounty.gov/~/media/courts/superior-court/docs/COVID-19/FILED-Emergency-Order15-KCSC-200120505.ashx?la=enLink to https://www.kingcounty.gov/~/media/courts/superior-court/docs/COVID-19/FILED-Emergency-Order15-KCSC-200120505.ashx?la=enLink to https://www.kingcounty.gov/~/media/courts/superior-court/docs/COVID-19/FILED-Emergency-Order15-KCSC-200120505.ashx?la=enLink to https://www.kingcounty.gov/~/media/courts/superior-court/docs/COVID-19/FILED-Emergency-Order15-KCSC-200120505.ashx?la=enLink to https://www.kingcounty.gov/~/media/courts/superior-court/docs/COVID-19/FILED-Emergency-Order15-KCSC-200120505.ashx?la=enLink to https://www.kingcounty.gov/~/media/courts/superior-court/docs/COVID-19/FILED-Emergency-Order15-KCSC-200120505.ashx?la=enLink to https://www.kingcounty.gov/~/media/courts/superior-court/docs/COVID-19/FILED-Emergency-Order15-KCSC-200120505.ashx?la=enLink to https://www.kingcounty.gov/~/media/courts/superior-court/docs/COVID-19/FILED-Emergency-Order15-KCSC-200120505.ashx?la=enLink to https://www.kingcounty.gov/~/media/courts/superior-court/docs/COVID-19/FILED-Emergency-Order15-KCSC-200120505.ashx?la=enLink to https://www.kingcounty.gov/~/media/courts/superior-court/docs/COVID-19/FILED-Emergency-Order15-KCSC-200120505.ashx?la=enLink to https://www.kingcounty.gov/~/media/courts/superior-court/docs/COVID-19/FILED-Emergency-Order15-KCSC-200120505.ashx?la=enLink to https://www.kingcounty.gov/~/media/courts/superior-court/docs/COVID-19/FILED-Emergency-Order15-KCSC-200120505.ashx?la=enLink to https://www.kingcounty.gov/~/media/courts/superior-court/docs/COVID-19/FILED-Emergency-Order15-KCSC-200120505.ashx?la=enLink to https://www.kingcounty.gov/~/media/courts/superior-court/docs/COVID-19/FILED-Emergency-Order15-KCSC-200120505.ashx?la=enLink to https://www.kingcounty.gov/~/media/courts/superior-court/docs/COVID-19/FILED-Emergency-Order15-KCSC-200120505.ashx?la=enLink to https://www.kingcounty.gov/~/media/courts/superior-court/docs/COVID-19/FILED-Emergency-Order15-KCSC-200120505.ashx?la=enLink to https://www.kingcounty.gov/~/media/courts/superior-court/docs/COVID-19/FILED-Emergency-Order15-KCSC-200120505.ashx?la=enLink to https://www.kingcounty.gov/~/media/courts/superior-court/docs/COVID-19/FILED-Emergency-Order15-KCSC-200120505.ashx?la=enLink to https://www.kingcounty.gov/~/media/courts/superior-court/docs/COVID-19/FILED-Emergency-Order15-KCSC-200120505.ashx?la=enLink to https://www.kingcounty.gov/~/media/courts/superior-court/docs/COVID-19/FILED-Emergency-Order15-KCSC-200120505.ashx?la=enLink to https://www.kingcounty.gov/~/media/courts/superior-court/docs/COVID-19/FILED-Emergency-Order15-KCSC-200120505.ashx?la=enLink to https://www.kingcounty.gov/~/media/courts/superior-court/docs/COVID-19/FILED-Emergency-Order15-KCSC-200120505.ashx?la=enLink to https://www.kingcounty.gov/~/media/courts/superior-court/docs/COVID-19/FILED-Emergency-Order15-KCSC-200120505.ashx?la=enLink to https://www.kingcounty.gov/~/media/courts/superior-court/docs/COVID-19/FILED-Emergency-Order15-KCSC-200120505.ashx?la=enLink to https://www.kingcounty.gov/~/media/courts/superior-court/docs/COVID-19/FILED-Emergency-Order15-KCSC-200120505.ashx?la=enLink to https://www.kingcounty.gov/~/media/courts/superior-court/docs/COVID-19/FILED-Emergency-Order15-KCSC-200120505.ashx?la=enLink to https://www.kingcounty.gov/~/media/courts/superior-court/docs/COVID-19/FILED-Emergency-Order15-KCSC-200120505.ashx?la=enLink to https://www.kingcounty.gov/~/media/courts/superior-court/docs/COVID-19/FILED-Emergency-Order15-KCSC-200120505.ashx?la=enLink to https://www.kingcounty.gov/~/media/courts/superior-court/docs/COVID-19/FILED-Emergency-Order15-KCSC-200120505.ashx?la=enLink to https://www.kingcounty.gov/~/media/courts/superior-court/docs/COVID-19/FILED-Emergency-Order15-KCSC-200120505.ashx?la=enLink to https://www.kingcounty.gov/~/media/courts/superior-court/docs/COVID-19/FILED-Emergency-Order15-KCSC-200120505.ashx?la=enLink to https://www.kingcounty.gov/~/media/courts/superior-court/docs/COVID-19/FILED-Emergency-Order15-KCSC-200120505.ashx?la=enLink to https://www.kingcounty.gov/~/media/courts/superior-court/docs/COVID-19/FILED-Emergency-Order15-KCSC-200120505.ashx?la=enLink to https://www.kingcounty.gov/~/media/courts/superior-court/docs/COVID-19/FILED-Emergency-Order15-KCSC-200120505.ashx?la=enLink to https://www.kingcounty.gov/~/media/courts/superior-court/docs/COVID-19/FILED-Emergency-Order15-KCSC-200120505.ashx?la=enLink to https://www.kingcounty.gov/~/media/courts/superior-court/docs/COVID-19/FILED-Emergency-Order15-KCSC-200120505.ashx?la=enLink to https://www.kingcounty.gov/~/media/courts/superior-court/docs/COVID-19/FILED-Emergency-Order15-KCSC-200120505.ashx?la=enLink to https://www.kingcounty.gov/~/media/courts/superior-court/docs/COVID-19/FILED-Emergency-Order15-KCSC-200120505.ashx?la=enLink to https://www.kingcounty.gov/~/media/courts/superior-court/docs/COVID-19/FILED-Emergency-Order15-KCSC-200120505.ashx?la=enLink to https://www.kingcounty.gov/~/media/courts/superior-court/docs/COVID-19/FILED-Emergency-Order15-KCSC-200120505.ashx?la=enLink to https://www.kingcounty.gov/~/media/courts/superior-court/docs/COVID-19/FILED-Emergency-Order15-KCSC-200120505.ashx?la=enLink to https://www.kingcounty.gov/~/media/courts/superior-court/docs/COVID-19/FILED-Emergency-Order15-KCSC-200120505.ashx?la=enLink to https://www.kingcounty.gov/~/media/courts/superior-court/docs/COVID-19/FILED-Emergency-Order15-KCSC-200120505.ashx?la=enLink to https://www.kingcounty.gov/~/media/courts/superior-court/docs/COVID-19/FILED-Emergency-Order15-KCSC-200120505.ashx?la=enLink to https://www.kingcounty.gov/~/media/courts/superior-court/docs/COVID-19/FILED-Emergency-Order15-KCSC-200120505.ashx?la=enLink to https://www.kingcounty.gov/~/media/courts/superior-court/docs/COVID-19/FILED-Emergency-Order15-KCSC-200120505.ashx?la=enLink to https://www.kingcounty.gov/~/media/courts/superior-court/docs/COVID-19/FILED-Emergency-Order15-KCSC-200120505.ashx?la=enLink to https://www.kingcounty.gov/~/media/courts/superior-court/docs/COVID-19/FILED-Emergency-Order15-KCSC-200120505.ashx?la=enLink to https://www.kingcounty.gov/~/media/courts/superior-court/docs/COVID-19/FILED-Emergency-Order15-KCSC-200120505.ashx?la=enLink to https://www.kingcounty.gov/~/media/courts/superior-court/docs/COVID-19/FILED-Emergency-Order15-KCSC-200120505.ashx?la=enLink to https://www.kingcounty.gov/~/media/courts/superior-court/docs/COVID-19/FILED-Emergency-Order15-KCSC-200120505.ashx?la=enLink to https://www.kingcounty.gov/~/media/courts/superior-court/docs/COVID-19/FILED-Emergency-Order15-KCSC-200120505.ashx?la=enLink to https://www.kingcounty.gov/~/media/courts/superior-court/docs/COVID-19/FILED-Emergency-Order15-KCSC-200120505.ashx?la=enLink to https://www.kingcounty.gov/~/media/courts/superior-court/docs/COVID-19/FILED-Emergency-Order15-KCSC-200120505.ashx?la=enClick here to review a copy of the Order.

Updates on Court Operations Limitations and Closures
Link to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfClick here to see an updated chart identifying information and website links for the status of Court Closures and Operations Limitations for the states of Arizona, California, Nevada, Oregon, Utah and Washington.

Due to the constantly changing situation, the above and the attached may not be a comprehensive list of closures and impacts. Keep checking this website for the latest developments in our states. If you have additional questions or concerns regarding these important matters, please feel free to contact Link to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netRobin Wright, Link to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netMichelle Mierzwa or Link to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netRobert Finlay.


Wright, Finlay & Zak's COVID-19 Update: April 7, 2020

April 7, 2020

As with our prior notifications regarding the impact of COVID-19-related issues, the situation continues to be fluid when it comes to servicing of loans, the management of default and REO assets and litigation in the court systems. Below is an update on the latest state and local developments throughout the Western U.S. In addition, this update also includes an update on some state and federal tax filing deadline extensions due to the COVID-19 Emergency. As with all our updates, please keep in mind that additional orders and directives are being considered and issued by state and local jurisdictions as we speak, and we will continue to monitor all channels to provide you with updated information as it becomes available. Thanks, everyone.

Various Taxing Entities Extend Filing and Payment Deadlines
In order to address office closures and the adverse impacts of the COVID-19 pandemic on individual taxpayers, various state and federal taxing agencies have opted to extend filing deadlines for quarterly and annual tax payments. On March 20, 2020, the Internal Revenue Service issued Notice 2020-18: “Relief for Taxpayers Affected by Ongoing Coronavirus Disease 2019 Pandemic” advising persons with federal income tax returns or payments due on April 15, 2020 will receive an automatic extension to file and/or pay until July 15, 2020. This includes first quarter estimated tax payments as well. No request or proof of COVID-19 impact is required. Link to https://www.irs.gov/pub/irs-drop/n-20-18.pdfLink to https://www.irs.gov/pub/irs-drop/n-20-18.pdfLink to https://www.irs.gov/pub/irs-drop/n-20-18.pdfLink to https://www.irs.gov/pub/irs-drop/n-20-18.pdfLink to https://www.irs.gov/pub/irs-drop/n-20-18.pdfLink to https://www.irs.gov/pub/irs-drop/n-20-18.pdfLink to https://www.irs.gov/pub/irs-drop/n-20-18.pdfLink to https://www.irs.gov/pub/irs-drop/n-20-18.pdfLink to https://www.irs.gov/pub/irs-drop/n-20-18.pdfLink to https://www.irs.gov/pub/irs-drop/n-20-18.pdfLink to https://www.irs.gov/pub/irs-drop/n-20-18.pdfLink to https://www.irs.gov/pub/irs-drop/n-20-18.pdfLink to https://www.irs.gov/pub/irs-drop/n-20-18.pdfLink to https://www.irs.gov/pub/irs-drop/n-20-18.pdfLink to https://www.irs.gov/pub/irs-drop/n-20-18.pdfLink to https://www.irs.gov/pub/irs-drop/n-20-18.pdfLink to https://www.irs.gov/pub/irs-drop/n-20-18.pdfLink to https://www.irs.gov/pub/irs-drop/n-20-18.pdfLink to https://www.irs.gov/pub/irs-drop/n-20-18.pdfLink to https://www.irs.gov/pub/irs-drop/n-20-18.pdfLink to https://www.irs.gov/pub/irs-drop/n-20-18.pdfLink to https://www.irs.gov/pub/irs-drop/n-20-18.pdfLink to https://www.irs.gov/pub/irs-drop/n-20-18.pdfLink to https://www.irs.gov/pub/irs-drop/n-20-18.pdfLink to https://www.irs.gov/pub/irs-drop/n-20-18.pdfLink to https://www.irs.gov/pub/irs-drop/n-20-18.pdfLink to https://www.irs.gov/pub/irs-drop/n-20-18.pdfLink to https://www.irs.gov/pub/irs-drop/n-20-18.pdfLink to https://www.irs.gov/pub/irs-drop/n-20-18.pdfLink to https://www.irs.gov/pub/irs-drop/n-20-18.pdfLink to https://www.irs.gov/pub/irs-drop/n-20-18.pdfLink to https://www.irs.gov/pub/irs-drop/n-20-18.pdfLink to https://www.irs.gov/pub/irs-drop/n-20-18.pdfLink to https://www.irs.gov/pub/irs-drop/n-20-18.pdfLink to https://www.irs.gov/pub/irs-drop/n-20-18.pdfLink to https://www.irs.gov/pub/irs-drop/n-20-18.pdfLink to https://www.irs.gov/pub/irs-drop/n-20-18.pdfLink to https://www.irs.gov/pub/irs-drop/n-20-18.pdfLink to https://www.irs.gov/pub/irs-drop/n-20-18.pdfLink to https://www.irs.gov/pub/irs-drop/n-20-18.pdfLink to https://www.irs.gov/pub/irs-drop/n-20-18.pdfLink to https://www.irs.gov/pub/irs-drop/n-20-18.pdfLink to https://www.irs.gov/pub/irs-drop/n-20-18.pdfLink to https://www.irs.gov/pub/irs-drop/n-20-18.pdfLink to https://www.irs.gov/pub/irs-drop/n-20-18.pdfLink to https://www.irs.gov/pub/irs-drop/n-20-18.pdfLink to https://www.irs.gov/pub/irs-drop/n-20-18.pdfLink to https://www.irs.gov/pub/irs-drop/n-20-18.pdfLink to https://www.irs.gov/pub/irs-drop/n-20-18.pdfLink to https://www.irs.gov/pub/irs-drop/n-20-18.pdfLink to https://www.irs.gov/pub/irs-drop/n-20-18.pdfLink to https://www.irs.gov/pub/irs-drop/n-20-18.pdfLink to https://www.irs.gov/pub/irs-drop/n-20-18.pdfLink to https://www.irs.gov/pub/irs-drop/n-20-18.pdfLink to https://www.irs.gov/pub/irs-drop/n-20-18.pdfClick here to review a copy of the Notice. The IRS also created a Link to https://www.irs.gov/newsroom/filing-and-payment-deadlines-questions-and-answersLink to https://www.irs.gov/newsroom/filing-and-payment-deadlines-questions-and-answersLink to https://www.irs.gov/newsroom/filing-and-payment-deadlines-questions-and-answersLink to https://www.irs.gov/newsroom/filing-and-payment-deadlines-questions-and-answersLink to https://www.irs.gov/newsroom/filing-and-payment-deadlines-questions-and-answersLink to https://www.irs.gov/newsroom/filing-and-payment-deadlines-questions-and-answersLink to https://www.irs.gov/newsroom/filing-and-payment-deadlines-questions-and-answersLink to https://www.irs.gov/newsroom/filing-and-payment-deadlines-questions-and-answersLink to https://www.irs.gov/newsroom/filing-and-payment-deadlines-questions-and-answersLink to https://www.irs.gov/newsroom/filing-and-payment-deadlines-questions-and-answersLink to https://www.irs.gov/newsroom/filing-and-payment-deadlines-questions-and-answersLink to https://www.irs.gov/newsroom/filing-and-payment-deadlines-questions-and-answersLink to https://www.irs.gov/newsroom/filing-and-payment-deadlines-questions-and-answersLink to https://www.irs.gov/newsroom/filing-and-payment-deadlines-questions-and-answersLink to https://www.irs.gov/newsroom/filing-and-payment-deadlines-questions-and-answersLink to https://www.irs.gov/newsroom/filing-and-payment-deadlines-questions-and-answersLink to https://www.irs.gov/newsroom/filing-and-payment-deadlines-questions-and-answersLink to https://www.irs.gov/newsroom/filing-and-payment-deadlines-questions-and-answersLink to https://www.irs.gov/newsroom/filing-and-payment-deadlines-questions-and-answersLink to https://www.irs.gov/newsroom/filing-and-payment-deadlines-questions-and-answersLink to https://www.irs.gov/newsroom/filing-and-payment-deadlines-questions-and-answersLink to https://www.irs.gov/newsroom/filing-and-payment-deadlines-questions-and-answersLink to https://www.irs.gov/newsroom/filing-and-payment-deadlines-questions-and-answersLink to https://www.irs.gov/newsroom/filing-and-payment-deadlines-questions-and-answersLink to https://www.irs.gov/newsroom/filing-and-payment-deadlines-questions-and-answersLink to https://www.irs.gov/newsroom/filing-and-payment-deadlines-questions-and-answersLink to https://www.irs.gov/newsroom/filing-and-payment-deadlines-questions-and-answersLink to https://www.irs.gov/newsroom/filing-and-payment-deadlines-questions-and-answersLink to https://www.irs.gov/newsroom/filing-and-payment-deadlines-questions-and-answersLink to https://www.irs.gov/newsroom/filing-and-payment-deadlines-questions-and-answersLink to https://www.irs.gov/newsroom/filing-and-payment-deadlines-questions-and-answersLink to https://www.irs.gov/newsroom/filing-and-payment-deadlines-questions-and-answersLink to https://www.irs.gov/newsroom/filing-and-payment-deadlines-questions-and-answersLink to https://www.irs.gov/newsroom/filing-and-payment-deadlines-questions-and-answersLink to https://www.irs.gov/newsroom/filing-and-payment-deadlines-questions-and-answersLink to https://www.irs.gov/newsroom/filing-and-payment-deadlines-questions-and-answersLink to https://www.irs.gov/newsroom/filing-and-payment-deadlines-questions-and-answersLink to https://www.irs.gov/newsroom/filing-and-payment-deadlines-questions-and-answersLink to https://www.irs.gov/newsroom/filing-and-payment-deadlines-questions-and-answersLink to https://www.irs.gov/newsroom/filing-and-payment-deadlines-questions-and-answersLink to https://www.irs.gov/newsroom/filing-and-payment-deadlines-questions-and-answersLink to https://www.irs.gov/newsroom/filing-and-payment-deadlines-questions-and-answersLink to https://www.irs.gov/newsroom/filing-and-payment-deadlines-questions-and-answersLink to https://www.irs.gov/newsroom/filing-and-payment-deadlines-questions-and-answersLink to https://www.irs.gov/newsroom/filing-and-payment-deadlines-questions-and-answersLink to https://www.irs.gov/newsroom/filing-and-payment-deadlines-questions-and-answersLink to https://www.irs.gov/newsroom/filing-and-payment-deadlines-questions-and-answersLink to https://www.irs.gov/newsroom/filing-and-payment-deadlines-questions-and-answersLink to https://www.irs.gov/newsroom/filing-and-payment-deadlines-questions-and-answersLink to https://www.irs.gov/newsroom/filing-and-payment-deadlines-questions-and-answersLink to https://www.irs.gov/newsroom/filing-and-payment-deadlines-questions-and-answersLink to https://www.irs.gov/newsroom/filing-and-payment-deadlines-questions-and-answersLink to https://www.irs.gov/newsroom/filing-and-payment-deadlines-questions-and-answersLink to https://www.irs.gov/newsroom/filing-and-payment-deadlines-questions-and-answersLink to https://www.irs.gov/newsroom/filing-and-payment-deadlines-questions-and-answersFrequently Asked Questions Page. With respect to the state of California, the Franchise Tax Board has also automatically extended the filing and payment deadlines until July 15 for all individuals and businesses for the following items:

  • 2019 tax returns and tax return payments
  • 2020 1st and 2nd quarter estimated payments
  • 2020 LLC taxes and fees
  • 2020 Non-wage withholding payments

As previously reported regarding the Governor’s March 30th Order, most small businesses now have until July 31, 2020 to file first quarter returns. Link to https://www.cdtfa.ca.gov/services/covid19.htmLink to https://www.cdtfa.ca.gov/services/covid19.htmLink to https://www.cdtfa.ca.gov/services/covid19.htmLink to https://www.cdtfa.ca.gov/services/covid19.htmLink to https://www.cdtfa.ca.gov/services/covid19.htmLink to https://www.cdtfa.ca.gov/services/covid19.htmLink to https://www.cdtfa.ca.gov/services/covid19.htmLink to https://www.cdtfa.ca.gov/services/covid19.htmLink to https://www.cdtfa.ca.gov/services/covid19.htmLink to https://www.cdtfa.ca.gov/services/covid19.htmLink to https://www.cdtfa.ca.gov/services/covid19.htmLink to https://www.cdtfa.ca.gov/services/covid19.htmLink to https://www.cdtfa.ca.gov/services/covid19.htmLink to https://www.cdtfa.ca.gov/services/covid19.htmLink to https://www.cdtfa.ca.gov/services/covid19.htmLink to https://www.cdtfa.ca.gov/services/covid19.htmLink to https://www.cdtfa.ca.gov/services/covid19.htmLink to https://www.cdtfa.ca.gov/services/covid19.htmLink to https://www.cdtfa.ca.gov/services/covid19.htmLink to https://www.cdtfa.ca.gov/services/covid19.htmLink to https://www.cdtfa.ca.gov/services/covid19.htmLink to https://www.cdtfa.ca.gov/services/covid19.htmLink to https://www.cdtfa.ca.gov/services/covid19.htmLink to https://www.cdtfa.ca.gov/services/covid19.htmLink to https://www.cdtfa.ca.gov/services/covid19.htmLink to https://www.cdtfa.ca.gov/services/covid19.htmLink to https://www.cdtfa.ca.gov/services/covid19.htmLink to https://www.cdtfa.ca.gov/services/covid19.htmLink to https://www.cdtfa.ca.gov/services/covid19.htmLink to https://www.cdtfa.ca.gov/services/covid19.htmLink to https://www.cdtfa.ca.gov/services/covid19.htmLink to https://www.cdtfa.ca.gov/services/covid19.htmLink to https://www.cdtfa.ca.gov/services/covid19.htmLink to https://www.cdtfa.ca.gov/services/covid19.htmLink to https://www.cdtfa.ca.gov/services/covid19.htmLink to https://www.cdtfa.ca.gov/services/covid19.htmLink to https://www.cdtfa.ca.gov/services/covid19.htmLink to https://www.cdtfa.ca.gov/services/covid19.htmLink to https://www.cdtfa.ca.gov/services/covid19.htmLink to https://www.cdtfa.ca.gov/services/covid19.htmLink to https://www.cdtfa.ca.gov/services/covid19.htmLink to https://www.cdtfa.ca.gov/services/covid19.htmLink to https://www.cdtfa.ca.gov/services/covid19.htmLink to https://www.cdtfa.ca.gov/services/covid19.htmLink to https://www.cdtfa.ca.gov/services/covid19.htmLink to https://www.cdtfa.ca.gov/services/covid19.htmLink to https://www.cdtfa.ca.gov/services/covid19.htmLink to https://www.cdtfa.ca.gov/services/covid19.htmLink to https://www.cdtfa.ca.gov/services/covid19.htmLink to https://www.cdtfa.ca.gov/services/covid19.htmLink to https://www.cdtfa.ca.gov/services/covid19.htmLink to https://www.cdtfa.ca.gov/services/covid19.htmLink to https://www.cdtfa.ca.gov/services/covid19.htmLink to https://www.cdtfa.ca.gov/services/covid19.htmLink to https://www.cdtfa.ca.gov/services/covid19.htmClick here to review additional information regarding all California state filings. The Link to https://www.aicpa.org/content/dam/aicpa/advocacy/tax/downloadabledocuments/coronavirus-state-filing-relief.pdfLink to https://www.aicpa.org/content/dam/aicpa/advocacy/tax/downloadabledocuments/coronavirus-state-filing-relief.pdfLink to https://www.aicpa.org/content/dam/aicpa/advocacy/tax/downloadabledocuments/coronavirus-state-filing-relief.pdfLink to https://www.aicpa.org/content/dam/aicpa/advocacy/tax/downloadabledocuments/coronavirus-state-filing-relief.pdfLink to https://www.aicpa.org/content/dam/aicpa/advocacy/tax/downloadabledocuments/coronavirus-state-filing-relief.pdfLink to https://www.aicpa.org/content/dam/aicpa/advocacy/tax/downloadabledocuments/coronavirus-state-filing-relief.pdfLink to https://www.aicpa.org/content/dam/aicpa/advocacy/tax/downloadabledocuments/coronavirus-state-filing-relief.pdfLink to https://www.aicpa.org/content/dam/aicpa/advocacy/tax/downloadabledocuments/coronavirus-state-filing-relief.pdfLink to https://www.aicpa.org/content/dam/aicpa/advocacy/tax/downloadabledocuments/coronavirus-state-filing-relief.pdfLink to https://www.aicpa.org/content/dam/aicpa/advocacy/tax/downloadabledocuments/coronavirus-state-filing-relief.pdfLink to https://www.aicpa.org/content/dam/aicpa/advocacy/tax/downloadabledocuments/coronavirus-state-filing-relief.pdfLink to https://www.aicpa.org/content/dam/aicpa/advocacy/tax/downloadabledocuments/coronavirus-state-filing-relief.pdfLink to https://www.aicpa.org/content/dam/aicpa/advocacy/tax/downloadabledocuments/coronavirus-state-filing-relief.pdfLink to https://www.aicpa.org/content/dam/aicpa/advocacy/tax/downloadabledocuments/coronavirus-state-filing-relief.pdfLink to https://www.aicpa.org/content/dam/aicpa/advocacy/tax/downloadabledocuments/coronavirus-state-filing-relief.pdfLink to https://www.aicpa.org/content/dam/aicpa/advocacy/tax/downloadabledocuments/coronavirus-state-filing-relief.pdfLink to https://www.aicpa.org/content/dam/aicpa/advocacy/tax/downloadabledocuments/coronavirus-state-filing-relief.pdfLink to https://www.aicpa.org/content/dam/aicpa/advocacy/tax/downloadabledocuments/coronavirus-state-filing-relief.pdfLink to https://www.aicpa.org/content/dam/aicpa/advocacy/tax/downloadabledocuments/coronavirus-state-filing-relief.pdfLink to https://www.aicpa.org/content/dam/aicpa/advocacy/tax/downloadabledocuments/coronavirus-state-filing-relief.pdfLink to https://www.aicpa.org/content/dam/aicpa/advocacy/tax/downloadabledocuments/coronavirus-state-filing-relief.pdfLink to https://www.aicpa.org/content/dam/aicpa/advocacy/tax/downloadabledocuments/coronavirus-state-filing-relief.pdfLink to https://www.aicpa.org/content/dam/aicpa/advocacy/tax/downloadabledocuments/coronavirus-state-filing-relief.pdfLink to https://www.aicpa.org/content/dam/aicpa/advocacy/tax/downloadabledocuments/coronavirus-state-filing-relief.pdfLink to https://www.aicpa.org/content/dam/aicpa/advocacy/tax/downloadabledocuments/coronavirus-state-filing-relief.pdfLink to https://www.aicpa.org/content/dam/aicpa/advocacy/tax/downloadabledocuments/coronavirus-state-filing-relief.pdfLink to https://www.aicpa.org/content/dam/aicpa/advocacy/tax/downloadabledocuments/coronavirus-state-filing-relief.pdfLink to https://www.aicpa.org/content/dam/aicpa/advocacy/tax/downloadabledocuments/coronavirus-state-filing-relief.pdfLink to https://www.aicpa.org/content/dam/aicpa/advocacy/tax/downloadabledocuments/coronavirus-state-filing-relief.pdfLink to https://www.aicpa.org/content/dam/aicpa/advocacy/tax/downloadabledocuments/coronavirus-state-filing-relief.pdfLink to https://www.aicpa.org/content/dam/aicpa/advocacy/tax/downloadabledocuments/coronavirus-state-filing-relief.pdfLink to https://www.aicpa.org/content/dam/aicpa/advocacy/tax/downloadabledocuments/coronavirus-state-filing-relief.pdfLink to https://www.aicpa.org/content/dam/aicpa/advocacy/tax/downloadabledocuments/coronavirus-state-filing-relief.pdfLink to https://www.aicpa.org/content/dam/aicpa/advocacy/tax/downloadabledocuments/coronavirus-state-filing-relief.pdfLink to https://www.aicpa.org/content/dam/aicpa/advocacy/tax/downloadabledocuments/coronavirus-state-filing-relief.pdfLink to https://www.aicpa.org/content/dam/aicpa/advocacy/tax/downloadabledocuments/coronavirus-state-filing-relief.pdfLink to https://www.aicpa.org/content/dam/aicpa/advocacy/tax/downloadabledocuments/coronavirus-state-filing-relief.pdfLink to https://www.aicpa.org/content/dam/aicpa/advocacy/tax/downloadabledocuments/coronavirus-state-filing-relief.pdfLink to https://www.aicpa.org/content/dam/aicpa/advocacy/tax/downloadabledocuments/coronavirus-state-filing-relief.pdfLink to https://www.aicpa.org/content/dam/aicpa/advocacy/tax/downloadabledocuments/coronavirus-state-filing-relief.pdfLink to https://www.aicpa.org/content/dam/aicpa/advocacy/tax/downloadabledocuments/coronavirus-state-filing-relief.pdfLink to https://www.aicpa.org/content/dam/aicpa/advocacy/tax/downloadabledocuments/coronavirus-state-filing-relief.pdfLink to https://www.aicpa.org/content/dam/aicpa/advocacy/tax/downloadabledocuments/coronavirus-state-filing-relief.pdfLink to https://www.aicpa.org/content/dam/aicpa/advocacy/tax/downloadabledocuments/coronavirus-state-filing-relief.pdfLink to https://www.aicpa.org/content/dam/aicpa/advocacy/tax/downloadabledocuments/coronavirus-state-filing-relief.pdfLink to https://www.aicpa.org/content/dam/aicpa/advocacy/tax/downloadabledocuments/coronavirus-state-filing-relief.pdfLink to https://www.aicpa.org/content/dam/aicpa/advocacy/tax/downloadabledocuments/coronavirus-state-filing-relief.pdfLink to https://www.aicpa.org/content/dam/aicpa/advocacy/tax/downloadabledocuments/coronavirus-state-filing-relief.pdfLink to https://www.aicpa.org/content/dam/aicpa/advocacy/tax/downloadabledocuments/coronavirus-state-filing-relief.pdfLink to https://www.aicpa.org/content/dam/aicpa/advocacy/tax/downloadabledocuments/coronavirus-state-filing-relief.pdfLink to https://www.aicpa.org/content/dam/aicpa/advocacy/tax/downloadabledocuments/coronavirus-state-filing-relief.pdfLink to https://www.aicpa.org/content/dam/aicpa/advocacy/tax/downloadabledocuments/coronavirus-state-filing-relief.pdfLink to https://www.aicpa.org/content/dam/aicpa/advocacy/tax/downloadabledocuments/coronavirus-state-filing-relief.pdfLink to https://www.aicpa.org/content/dam/aicpa/advocacy/tax/downloadabledocuments/coronavirus-state-filing-relief.pdfLink to https://www.aicpa.org/content/dam/aicpa/advocacy/tax/downloadabledocuments/coronavirus-state-filing-relief.pdfAmerican Institute of CPAs maintains a matrix of other state’s tax filing resources with respect to COVID-19 pandemic-related extensions.

NOTE: the California County Property Tax deadlines for the payment of biannual property tax installments have not been extended across the board; rather, “each county treasurer tax-collector has the power to waive penalties and interest for late payments.” The second installment, representing taxes for January 1 through June 30th, was due March 1st and becomes delinquent on April 10th. As an example, Los Angeles County issued a statement indicating that “people unable to pay on time for reasons related to COVID-19 may submit a request for penalty cancellation online. The department has set up a special team to process these requests for those who demonstrate they were affected by the outbreak.” Link to https://ttc.lacounty.gov/pay-your-property-taxesLink to https://ttc.lacounty.gov/pay-your-property-taxesLink to https://ttc.lacounty.gov/pay-your-property-taxesLink to https://ttc.lacounty.gov/pay-your-property-taxesLink to https://ttc.lacounty.gov/pay-your-property-taxesLink to https://ttc.lacounty.gov/pay-your-property-taxesLink to https://ttc.lacounty.gov/pay-your-property-taxesLink to https://ttc.lacounty.gov/pay-your-property-taxesLink to https://ttc.lacounty.gov/pay-your-property-taxesLink to https://ttc.lacounty.gov/pay-your-property-taxesLink to https://ttc.lacounty.gov/pay-your-property-taxesLink to https://ttc.lacounty.gov/pay-your-property-taxesLink to https://ttc.lacounty.gov/pay-your-property-taxesLink to https://ttc.lacounty.gov/pay-your-property-taxesLink to https://ttc.lacounty.gov/pay-your-property-taxesLink to https://ttc.lacounty.gov/pay-your-property-taxesLink to https://ttc.lacounty.gov/pay-your-property-taxesLink to https://ttc.lacounty.gov/pay-your-property-taxesLink to https://ttc.lacounty.gov/pay-your-property-taxesLink to https://ttc.lacounty.gov/pay-your-property-taxesLink to https://ttc.lacounty.gov/pay-your-property-taxesLink to https://ttc.lacounty.gov/pay-your-property-taxesLink to https://ttc.lacounty.gov/pay-your-property-taxesLink to https://ttc.lacounty.gov/pay-your-property-taxesLink to https://ttc.lacounty.gov/pay-your-property-taxesLink to https://ttc.lacounty.gov/pay-your-property-taxesLink to https://ttc.lacounty.gov/pay-your-property-taxesLink to https://ttc.lacounty.gov/pay-your-property-taxesLink to https://ttc.lacounty.gov/pay-your-property-taxesLink to https://ttc.lacounty.gov/pay-your-property-taxesLink to https://ttc.lacounty.gov/pay-your-property-taxesLink to https://ttc.lacounty.gov/pay-your-property-taxesLink to https://ttc.lacounty.gov/pay-your-property-taxesLink to https://ttc.lacounty.gov/pay-your-property-taxesLink to https://ttc.lacounty.gov/pay-your-property-taxesLink to https://ttc.lacounty.gov/pay-your-property-taxesLink to https://ttc.lacounty.gov/pay-your-property-taxesLink to https://ttc.lacounty.gov/pay-your-property-taxesLink to https://ttc.lacounty.gov/pay-your-property-taxesLink to https://ttc.lacounty.gov/pay-your-property-taxesLink to https://ttc.lacounty.gov/pay-your-property-taxesLink to https://ttc.lacounty.gov/pay-your-property-taxesLink to https://ttc.lacounty.gov/pay-your-property-taxesLink to https://ttc.lacounty.gov/pay-your-property-taxesLink to https://ttc.lacounty.gov/pay-your-property-taxesLink to https://ttc.lacounty.gov/pay-your-property-taxesLink to https://ttc.lacounty.gov/pay-your-property-taxesLink to https://ttc.lacounty.gov/pay-your-property-taxesLink to https://ttc.lacounty.gov/pay-your-property-taxesLink to https://ttc.lacounty.gov/pay-your-property-taxesLink to https://ttc.lacounty.gov/pay-your-property-taxesLink to https://ttc.lacounty.gov/pay-your-property-taxesLink to https://ttc.lacounty.gov/pay-your-property-taxesLink to https://ttc.lacounty.gov/pay-your-property-taxesLink to https://ttc.lacounty.gov/pay-your-property-taxesClick here to review a copy of the statement.

California’s Judicial Council Issues Emergency Court Rules Regarding Evictions, Foreclosures and Other Proceedings
Pursuant to the emergency authority granted by the California Supreme Court, the Judicial Council issued a set of eleven temporary emergency rules (“Emergency Rules”) related to court operations during the COVID-19 Emergency. Among others, the Emergency Rules relevant to our firm’s litigation practice on your behalf include the following:

Emergency rule 1. Unlawful detainers
(a) Application. Notwithstanding any other law, including Code of Civil Procedure sections 1166, 1167, 1169, and 1170.5, this rule applies to all actions for unlawful detainer.
(b) Issuance of summons. A court may not issue a summons on a complaint for unlawful detainer unless the court finds, in its discretion and on the record, that the action is necessary to protect public health and safety.
(c) Entry of default. A court may not enter a default or a default judgment for restitution in an unlawful detainer action for failure of defendant to appear unless the court finds both of the following:
(1) The action is necessary to protect public health and safety; and
(2) The defendant has not appeared in the action within the time provided by law, including by any applicable executive order.
(d) Time for trial. If a defendant has appeared in the action, the court may not set a trial date earlier than 60 days after a request for trial is made unless the court finds that an earlier trial date is necessary to protect public health and safety. Any trial set in an unlawful detainer proceeding as of April 6, 2020 must be continued at least 60 days from the initial date of trial.

Emergency rule 2. Judicial foreclosures—suspension of actions
Notwithstanding any other law, this rule applies to any action for foreclosure on a mortgage or deed of trust brought under chapter 1, title 10, of part 2 of the Code of Civil Procedure, beginning at section 725a, including any action for a deficiency judgment, and provides that, until 90 days after the Governor declares that the state of emergency related to the COVID-19 pandemic is lifted, or until this rule is amended or repealed by the Judicial Council:

(1) All such actions are stayed, and the court may take no action and issue no decisions or judgments unless the court finds that action is required to further the public health and safety.
(2) Any statute of limitations for filing such an action is tolled.
(3) The period for electing or exercising any rights under that chapter, including exercising any right of redemption from a foreclosure sale or petitioning the court in relation to such a right, is extended.

Emergency rule 3. Use of technology for remote appearances
(a) Remote appearances
Notwithstanding any other law, in order to protect the health and safety of the public, including court users, both in custody and out of custody defendants, witnesses, court personnel, judicial officers, and others, courts must conduct judicial proceedings and court operations as follows:

  1. Courts may require that judicial proceedings and court operations be conducted remotely….

Emergency rule 9. Toll the statutes of limitations for civil causes of action
Notwithstanding any other law, the statutes of limitation for civil causes of action are tolled from April 6, 2020, until 90 days after the Governor declares that the state of emergency related to the COVID-19 pandemic is lifted.

Emergency rule 11. Depositions through remote electronic means.(a) Deponents appearing remotely.
Notwithstanding any other law, including Code of Civil Procedure section 41 2025.310(a) and (b), and rule 3.1010(c) and (d), a party or nonparty deponent, at their election or the election of the deposing party, is not required to be present with the deposition officer at the time of the deposition.”

The above rules will sunset “90 days after the Governor declares that the state of emergency related to the COVID-19 pandemic is lifted, or until amended or repealed by the Judicial Council.” Link to https://jcc.legistar.com/View.ashx?M=F&ID=8234474&GUID=79611543-6A40-465C-8B8B-D324F5CAE349Link to https://jcc.legistar.com/View.ashx?M=F&ID=8234474&GUID=79611543-6A40-465C-8B8B-D324F5CAE349Link to https://jcc.legistar.com/View.ashx?M=F&ID=8234474&GUID=79611543-6A40-465C-8B8B-D324F5CAE349Link to https://jcc.legistar.com/View.ashx?M=F&ID=8234474&GUID=79611543-6A40-465C-8B8B-D324F5CAE349Link to https://jcc.legistar.com/View.ashx?M=F&ID=8234474&GUID=79611543-6A40-465C-8B8B-D324F5CAE349Link to https://jcc.legistar.com/View.ashx?M=F&ID=8234474&GUID=79611543-6A40-465C-8B8B-D324F5CAE349Link to https://jcc.legistar.com/View.ashx?M=F&ID=8234474&GUID=79611543-6A40-465C-8B8B-D324F5CAE349Link to https://jcc.legistar.com/View.ashx?M=F&ID=8234474&GUID=79611543-6A40-465C-8B8B-D324F5CAE349Link to 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https://jcc.legistar.com/View.ashx?M=F&ID=8234474&GUID=79611543-6A40-465C-8B8B-D324F5CAE349Link to https://jcc.legistar.com/View.ashx?M=F&ID=8234474&GUID=79611543-6A40-465C-8B8B-D324F5CAE349Link to https://jcc.legistar.com/View.ashx?M=F&ID=8234474&GUID=79611543-6A40-465C-8B8B-D324F5CAE349Link to https://jcc.legistar.com/View.ashx?M=F&ID=8234474&GUID=79611543-6A40-465C-8B8B-D324F5CAE349Link to https://jcc.legistar.com/View.ashx?M=F&ID=8234474&GUID=79611543-6A40-465C-8B8B-D324F5CAE349Link to https://jcc.legistar.com/View.ashx?M=F&ID=8234474&GUID=79611543-6A40-465C-8B8B-D324F5CAE349Link to https://jcc.legistar.com/View.ashx?M=F&ID=8234474&GUID=79611543-6A40-465C-8B8B-D324F5CAE349Link to https://jcc.legistar.com/View.ashx?M=F&ID=8234474&GUID=79611543-6A40-465C-8B8B-D324F5CAE349Link to https://jcc.legistar.com/View.ashx?M=F&ID=8234474&GUID=79611543-6A40-465C-8B8B-D324F5CAE349Link to https://jcc.legistar.com/View.ashx?M=F&ID=8234474&GUID=79611543-6A40-465C-8B8B-D324F5CAE349Link to https://jcc.legistar.com/View.ashx?M=F&ID=8234474&GUID=79611543-6A40-465C-8B8B-D324F5CAE349Link to https://jcc.legistar.com/View.ashx?M=F&ID=8234474&GUID=79611543-6A40-465C-8B8B-D324F5CAE349Link to https://jcc.legistar.com/View.ashx?M=F&ID=8234474&GUID=79611543-6A40-465C-8B8B-D324F5CAE349Link to https://jcc.legistar.com/View.ashx?M=F&ID=8234474&GUID=79611543-6A40-465C-8B8B-D324F5CAE349Link to https://jcc.legistar.com/View.ashx?M=F&ID=8234474&GUID=79611543-6A40-465C-8B8B-D324F5CAE349Link to https://jcc.legistar.com/View.ashx?M=F&ID=8234474&GUID=79611543-6A40-465C-8B8B-D324F5CAE349Link to https://jcc.legistar.com/View.ashx?M=F&ID=8234474&GUID=79611543-6A40-465C-8B8B-D324F5CAE349Link to https://jcc.legistar.com/View.ashx?M=F&ID=8234474&GUID=79611543-6A40-465C-8B8B-D324F5CAE349Link to https://jcc.legistar.com/View.ashx?M=F&ID=8234474&GUID=79611543-6A40-465C-8B8B-D324F5CAE349Link to https://jcc.legistar.com/View.ashx?M=F&ID=8234474&GUID=79611543-6A40-465C-8B8B-D324F5CAE349Link to https://jcc.legistar.com/View.ashx?M=F&ID=8234474&GUID=79611543-6A40-465C-8B8B-D324F5CAE349Link to https://jcc.legistar.com/View.ashx?M=F&ID=8234474&GUID=79611543-6A40-465C-8B8B-D324F5CAE349Link to https://jcc.legistar.com/View.ashx?M=F&ID=8234474&GUID=79611543-6A40-465C-8B8B-D324F5CAE349Link to https://jcc.legistar.com/View.ashx?M=F&ID=8234474&GUID=79611543-6A40-465C-8B8B-D324F5CAE349Link to https://jcc.legistar.com/View.ashx?M=F&ID=8234474&GUID=79611543-6A40-465C-8B8B-D324F5CAE349Link to https://jcc.legistar.com/View.ashx?M=F&ID=8234474&GUID=79611543-6A40-465C-8B8B-D324F5CAE349Link to https://jcc.legistar.com/View.ashx?M=F&ID=8234474&GUID=79611543-6A40-465C-8B8B-D324F5CAE349Click here to review a complete copy of all eleven of the Emergency Rules as adopted. NOTE: The vast majority of residential and commercial foreclosures are completed non-judicially in California, and the above Emergency Rules only impact judicial foreclosures, which are usually only filed in limited circumstances to preserve a deficiency judgment or because of a title defect. Please do not hesitate to reach out to us to discuss how your matters may be impacted.

Arizona’s Governor Issues Executive Order Protecting Small Businesses
On April 6, 2020, the Governor of Arizona issued Executive Order 2020-21 prohibiting the initiation of eviction proceedings against small businesses impacted by the COVID-19 pandemic. The Order prohibits any “commercial eviction action including a lock out, notice to vacate, or any other attempt to inhibit the operations of a business…for tenants unable to pay rent due to financial hardship caused by the COVID-19 pandemic.”…”unless a court determines on motion of one of the parties that it is contrary to the interest of justice.” The Order requires tenants to notify landlords of the inability to pay, encourages landlords to defer or adjust rent payments and waive late charges, but expressly confirms that rent payable under the contract with the landlord is not forgiven and remains payable. The Order also expressly does NOT prohibit “the continuation of any eviction action or proceeding predating the March 11, 2020 Public Health State of Emergency.” Regarding commercial lenders, the Order provides: “Lenders that have provided commercial real estate borrowers with a commercial mortgage loan for a property in the State of Arizona shall consider providing an opportunity for a forbearance for any commercial real estate borrower that has suspended any action under the provisions described in this order.” The term of the Order currently extends through May 31, 2020. Link to https://azgovernor.gov/sites/default/files/eo_2020-21_prohibiting_small_business_evictions.pdfLink to https://azgovernor.gov/sites/default/files/eo_2020-21_prohibiting_small_business_evictions.pdfLink to https://azgovernor.gov/sites/default/files/eo_2020-21_prohibiting_small_business_evictions.pdfLink to https://azgovernor.gov/sites/default/files/eo_2020-21_prohibiting_small_business_evictions.pdfLink to https://azgovernor.gov/sites/default/files/eo_2020-21_prohibiting_small_business_evictions.pdfLink to https://azgovernor.gov/sites/default/files/eo_2020-21_prohibiting_small_business_evictions.pdfLink to https://azgovernor.gov/sites/default/files/eo_2020-21_prohibiting_small_business_evictions.pdfLink to https://azgovernor.gov/sites/default/files/eo_2020-21_prohibiting_small_business_evictions.pdfLink to https://azgovernor.gov/sites/default/files/eo_2020-21_prohibiting_small_business_evictions.pdfLink to https://azgovernor.gov/sites/default/files/eo_2020-21_prohibiting_small_business_evictions.pdfLink to https://azgovernor.gov/sites/default/files/eo_2020-21_prohibiting_small_business_evictions.pdfLink to https://azgovernor.gov/sites/default/files/eo_2020-21_prohibiting_small_business_evictions.pdfLink to https://azgovernor.gov/sites/default/files/eo_2020-21_prohibiting_small_business_evictions.pdfLink to https://azgovernor.gov/sites/default/files/eo_2020-21_prohibiting_small_business_evictions.pdfLink to https://azgovernor.gov/sites/default/files/eo_2020-21_prohibiting_small_business_evictions.pdfLink to https://azgovernor.gov/sites/default/files/eo_2020-21_prohibiting_small_business_evictions.pdfLink to https://azgovernor.gov/sites/default/files/eo_2020-21_prohibiting_small_business_evictions.pdfLink to https://azgovernor.gov/sites/default/files/eo_2020-21_prohibiting_small_business_evictions.pdfLink to https://azgovernor.gov/sites/default/files/eo_2020-21_prohibiting_small_business_evictions.pdfLink to https://azgovernor.gov/sites/default/files/eo_2020-21_prohibiting_small_business_evictions.pdfLink to https://azgovernor.gov/sites/default/files/eo_2020-21_prohibiting_small_business_evictions.pdfLink to https://azgovernor.gov/sites/default/files/eo_2020-21_prohibiting_small_business_evictions.pdfLink to https://azgovernor.gov/sites/default/files/eo_2020-21_prohibiting_small_business_evictions.pdfLink to https://azgovernor.gov/sites/default/files/eo_2020-21_prohibiting_small_business_evictions.pdfLink to https://azgovernor.gov/sites/default/files/eo_2020-21_prohibiting_small_business_evictions.pdfLink to https://azgovernor.gov/sites/default/files/eo_2020-21_prohibiting_small_business_evictions.pdfLink to https://azgovernor.gov/sites/default/files/eo_2020-21_prohibiting_small_business_evictions.pdfLink to https://azgovernor.gov/sites/default/files/eo_2020-21_prohibiting_small_business_evictions.pdfLink to https://azgovernor.gov/sites/default/files/eo_2020-21_prohibiting_small_business_evictions.pdfLink to https://azgovernor.gov/sites/default/files/eo_2020-21_prohibiting_small_business_evictions.pdfLink to https://azgovernor.gov/sites/default/files/eo_2020-21_prohibiting_small_business_evictions.pdfLink to https://azgovernor.gov/sites/default/files/eo_2020-21_prohibiting_small_business_evictions.pdfLink to https://azgovernor.gov/sites/default/files/eo_2020-21_prohibiting_small_business_evictions.pdfLink to https://azgovernor.gov/sites/default/files/eo_2020-21_prohibiting_small_business_evictions.pdfLink to https://azgovernor.gov/sites/default/files/eo_2020-21_prohibiting_small_business_evictions.pdfLink to https://azgovernor.gov/sites/default/files/eo_2020-21_prohibiting_small_business_evictions.pdfLink to https://azgovernor.gov/sites/default/files/eo_2020-21_prohibiting_small_business_evictions.pdfLink to https://azgovernor.gov/sites/default/files/eo_2020-21_prohibiting_small_business_evictions.pdfLink to https://azgovernor.gov/sites/default/files/eo_2020-21_prohibiting_small_business_evictions.pdfLink to https://azgovernor.gov/sites/default/files/eo_2020-21_prohibiting_small_business_evictions.pdfLink to https://azgovernor.gov/sites/default/files/eo_2020-21_prohibiting_small_business_evictions.pdfLink to https://azgovernor.gov/sites/default/files/eo_2020-21_prohibiting_small_business_evictions.pdfLink to https://azgovernor.gov/sites/default/files/eo_2020-21_prohibiting_small_business_evictions.pdfLink to https://azgovernor.gov/sites/default/files/eo_2020-21_prohibiting_small_business_evictions.pdfLink to https://azgovernor.gov/sites/default/files/eo_2020-21_prohibiting_small_business_evictions.pdfLink to https://azgovernor.gov/sites/default/files/eo_2020-21_prohibiting_small_business_evictions.pdfLink to https://azgovernor.gov/sites/default/files/eo_2020-21_prohibiting_small_business_evictions.pdfLink to https://azgovernor.gov/sites/default/files/eo_2020-21_prohibiting_small_business_evictions.pdfLink to https://azgovernor.gov/sites/default/files/eo_2020-21_prohibiting_small_business_evictions.pdfLink to https://azgovernor.gov/sites/default/files/eo_2020-21_prohibiting_small_business_evictions.pdfLink to https://azgovernor.gov/sites/default/files/eo_2020-21_prohibiting_small_business_evictions.pdfLink to https://azgovernor.gov/sites/default/files/eo_2020-21_prohibiting_small_business_evictions.pdfLink to https://azgovernor.gov/sites/default/files/eo_2020-21_prohibiting_small_business_evictions.pdfLink to https://azgovernor.gov/sites/default/files/eo_2020-21_prohibiting_small_business_evictions.pdfLink to https://azgovernor.gov/sites/default/files/eo_2020-21_prohibiting_small_business_evictions.pdfClick here to review a copy of the Order.

Updates on Court Operations Limitations and Closures
Link to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfClick here to see an updated chart identifying information and website links for the status of Court Closures and Operations Limitations for the states of Arizona, California, Nevada, Oregon, Utah and Washington.

Due to the constantly changing situation, the above and the attached may not be a comprehensive list of closures and impacts. Keep checking this website for the latest developments in our states. If you have additional questions or concerns regarding these important matters, please feel free to contact Link to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netRobin Wright, Link to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to 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mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netMichelle Mierzwa or Link to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to 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mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netRobert Finlay.


Wright, Finlay & Zak's COVID-19 Update: April 6, 2020

April 6, 2020

As with our prior notifications regarding the impact of COVID-19-related issues, the situation continues to be fluid when it comes to servicing of loans, the management of default and REO assets and litigation in the court systems. Below is an update on the latest state and local developments throughout the Western U.S. In addition, this update also includes an update on the FDIC and CFPB’s Joint Statement with Other Regulators regarding Enforcement of Servicing Rules during the COVID-19 Emergency. As with all our updates, please keep in mind that additional orders and directives are being considered and issued by state and local jurisdictions as we speak, and we will continue to monitor all channels to provide you with updated information as it becomes available. Thanks, everyone.

FDIC and CFPB Issue Joint Statement with Other Regulators on Enforcement of the Mortgage Servicing Rules During COVID-19
On April 3, 2020, federal agencies including the Consumer Financial Protection Bureau (Bureau), Board of Governors of the Federal Reserve System (Federal Reserve), the Federal Deposit Insurance Corporation (FDIC), the National Credit Union Administration (NCUA), the Office of the Comptroller of the Currency (OCC), and the State Banking Regulators, issued a Joint Statement on Supervisory and Enforcement Practices Regarding the Mortgage Servicing Rules in Response to the COVID-19 Emergency and the CARES Act. While the Statement is not a license to delay all required servicing actions, it encourages lenders and servicers to work with borrowers on delaying some collection and foreclosure activity in compliance with the CARES Act, and it does provide some welcome timeline and enforcement relief regarding certain aspects of the Servicing Rules “as of April 3, 2020, and until further notice,” including the following:

  • The policy statement clarifies that the agencies do not intend to take supervisory or enforcement action against mortgage servicers for delays in sending certain early intervention and loss mitigation notices and taking certain actions relating to loss mitigation set out in the mortgage servicing rules, provided that servicers are making good faith efforts to provide these notices and take these actions within a reasonable time.
  • To further enable short-term payment forbearance programs or short-term repayment plans, mortgage servicers offering these programs or plans will not have to provide an acknowledgement notice within 5 days of receipt of an incomplete application, provided the servicer sends the acknowledgment notice before the end of the forbearance or repayment period.
  • The policy statement also confirms that the agencies do not intend to take supervisory or enforcement action against mortgage servicers for delays in sending annual escrow statements, provided that servicers are making good faith efforts to provide these statements within a reasonable time.

The Statement includes an informative discussion of the treatment of CARES forbearance agreements under the Servicing Rules. Link to https://www.fdic.gov/news/news/press/2020/pr20047.htmlLink to https://www.fdic.gov/news/news/press/2020/pr20047.htmlLink to https://www.fdic.gov/news/news/press/2020/pr20047.htmlLink to https://www.fdic.gov/news/news/press/2020/pr20047.htmlLink to https://www.fdic.gov/news/news/press/2020/pr20047.htmlLink to https://www.fdic.gov/news/news/press/2020/pr20047.htmlLink to https://www.fdic.gov/news/news/press/2020/pr20047.htmlLink to https://www.fdic.gov/news/news/press/2020/pr20047.htmlLink to https://www.fdic.gov/news/news/press/2020/pr20047.htmlLink to https://www.fdic.gov/news/news/press/2020/pr20047.htmlLink to https://www.fdic.gov/news/news/press/2020/pr20047.htmlLink to https://www.fdic.gov/news/news/press/2020/pr20047.htmlLink to https://www.fdic.gov/news/news/press/2020/pr20047.htmlLink to https://www.fdic.gov/news/news/press/2020/pr20047.htmlLink to https://www.fdic.gov/news/news/press/2020/pr20047.htmlLink to https://www.fdic.gov/news/news/press/2020/pr20047.htmlLink to https://www.fdic.gov/news/news/press/2020/pr20047.htmlLink to https://www.fdic.gov/news/news/press/2020/pr20047.htmlLink to https://www.fdic.gov/news/news/press/2020/pr20047.htmlLink to https://www.fdic.gov/news/news/press/2020/pr20047.htmlLink to https://www.fdic.gov/news/news/press/2020/pr20047.htmlLink to https://www.fdic.gov/news/news/press/2020/pr20047.htmlLink to https://www.fdic.gov/news/news/press/2020/pr20047.htmlLink to https://www.fdic.gov/news/news/press/2020/pr20047.htmlLink to https://www.fdic.gov/news/news/press/2020/pr20047.htmlLink to https://www.fdic.gov/news/news/press/2020/pr20047.htmlLink to https://www.fdic.gov/news/news/press/2020/pr20047.htmlLink to https://www.fdic.gov/news/news/press/2020/pr20047.htmlLink to https://www.fdic.gov/news/news/press/2020/pr20047.htmlLink to https://www.fdic.gov/news/news/press/2020/pr20047.htmlLink to https://www.fdic.gov/news/news/press/2020/pr20047.htmlLink to https://www.fdic.gov/news/news/press/2020/pr20047.htmlLink to https://www.fdic.gov/news/news/press/2020/pr20047.htmlLink to https://www.fdic.gov/news/news/press/2020/pr20047.htmlLink to https://www.fdic.gov/news/news/press/2020/pr20047.htmlLink to https://www.fdic.gov/news/news/press/2020/pr20047.htmlLink to https://www.fdic.gov/news/news/press/2020/pr20047.htmlLink to https://www.fdic.gov/news/news/press/2020/pr20047.htmlLink to https://www.fdic.gov/news/news/press/2020/pr20047.htmlLink to https://www.fdic.gov/news/news/press/2020/pr20047.htmlLink to https://www.fdic.gov/news/news/press/2020/pr20047.htmlLink to https://www.fdic.gov/news/news/press/2020/pr20047.htmlLink to https://www.fdic.gov/news/news/press/2020/pr20047.htmlLink to https://www.fdic.gov/news/news/press/2020/pr20047.htmlLink to https://www.fdic.gov/news/news/press/2020/pr20047.htmlLink to https://www.fdic.gov/news/news/press/2020/pr20047.htmlLink to https://www.fdic.gov/news/news/press/2020/pr20047.htmlLink to https://www.fdic.gov/news/news/press/2020/pr20047.htmlLink to https://www.fdic.gov/news/news/press/2020/pr20047.htmlLink to https://www.fdic.gov/news/news/press/2020/pr20047.htmlLink to https://www.fdic.gov/news/news/press/2020/pr20047.htmlLink to https://www.fdic.gov/news/news/press/2020/pr20047.htmlLink to https://www.fdic.gov/news/news/press/2020/pr20047.htmlLink to https://www.fdic.gov/news/news/press/2020/pr20047.htmlLink to https://www.fdic.gov/news/news/press/2020/pr20047.htmlLink to https://www.fdic.gov/news/news/press/2020/pr20047.htmlLink to https://www.fdic.gov/news/news/press/2020/pr20047.htmlClick here to review a copy of the Press release with a link to the Joint Statement. On April 3, 2020, the Bureau also issued a set of Frequently Asked Questions regarding the COVID-19 Emergency. Link to https://files.consumerfinance.gov/f/documents/cfpb_mortgage-servicing-rules-covid-19_faqs.pdfLink to https://files.consumerfinance.gov/f/documents/cfpb_mortgage-servicing-rules-covid-19_faqs.pdfLink to https://files.consumerfinance.gov/f/documents/cfpb_mortgage-servicing-rules-covid-19_faqs.pdfLink to https://files.consumerfinance.gov/f/documents/cfpb_mortgage-servicing-rules-covid-19_faqs.pdfLink to https://files.consumerfinance.gov/f/documents/cfpb_mortgage-servicing-rules-covid-19_faqs.pdfLink to https://files.consumerfinance.gov/f/documents/cfpb_mortgage-servicing-rules-covid-19_faqs.pdfLink to https://files.consumerfinance.gov/f/documents/cfpb_mortgage-servicing-rules-covid-19_faqs.pdfLink to https://files.consumerfinance.gov/f/documents/cfpb_mortgage-servicing-rules-covid-19_faqs.pdfLink to https://files.consumerfinance.gov/f/documents/cfpb_mortgage-servicing-rules-covid-19_faqs.pdfLink to https://files.consumerfinance.gov/f/documents/cfpb_mortgage-servicing-rules-covid-19_faqs.pdfLink to https://files.consumerfinance.gov/f/documents/cfpb_mortgage-servicing-rules-covid-19_faqs.pdfLink to https://files.consumerfinance.gov/f/documents/cfpb_mortgage-servicing-rules-covid-19_faqs.pdfLink to https://files.consumerfinance.gov/f/documents/cfpb_mortgage-servicing-rules-covid-19_faqs.pdfLink to https://files.consumerfinance.gov/f/documents/cfpb_mortgage-servicing-rules-covid-19_faqs.pdfLink to https://files.consumerfinance.gov/f/documents/cfpb_mortgage-servicing-rules-covid-19_faqs.pdfLink to https://files.consumerfinance.gov/f/documents/cfpb_mortgage-servicing-rules-covid-19_faqs.pdfLink to https://files.consumerfinance.gov/f/documents/cfpb_mortgage-servicing-rules-covid-19_faqs.pdfLink to https://files.consumerfinance.gov/f/documents/cfpb_mortgage-servicing-rules-covid-19_faqs.pdfLink to https://files.consumerfinance.gov/f/documents/cfpb_mortgage-servicing-rules-covid-19_faqs.pdfLink to https://files.consumerfinance.gov/f/documents/cfpb_mortgage-servicing-rules-covid-19_faqs.pdfLink to https://files.consumerfinance.gov/f/documents/cfpb_mortgage-servicing-rules-covid-19_faqs.pdfLink to https://files.consumerfinance.gov/f/documents/cfpb_mortgage-servicing-rules-covid-19_faqs.pdfLink to https://files.consumerfinance.gov/f/documents/cfpb_mortgage-servicing-rules-covid-19_faqs.pdfLink to https://files.consumerfinance.gov/f/documents/cfpb_mortgage-servicing-rules-covid-19_faqs.pdfLink to https://files.consumerfinance.gov/f/documents/cfpb_mortgage-servicing-rules-covid-19_faqs.pdfLink to https://files.consumerfinance.gov/f/documents/cfpb_mortgage-servicing-rules-covid-19_faqs.pdfLink to https://files.consumerfinance.gov/f/documents/cfpb_mortgage-servicing-rules-covid-19_faqs.pdfLink to https://files.consumerfinance.gov/f/documents/cfpb_mortgage-servicing-rules-covid-19_faqs.pdfLink to https://files.consumerfinance.gov/f/documents/cfpb_mortgage-servicing-rules-covid-19_faqs.pdfLink to https://files.consumerfinance.gov/f/documents/cfpb_mortgage-servicing-rules-covid-19_faqs.pdfLink to https://files.consumerfinance.gov/f/documents/cfpb_mortgage-servicing-rules-covid-19_faqs.pdfLink to https://files.consumerfinance.gov/f/documents/cfpb_mortgage-servicing-rules-covid-19_faqs.pdfLink to https://files.consumerfinance.gov/f/documents/cfpb_mortgage-servicing-rules-covid-19_faqs.pdfLink to https://files.consumerfinance.gov/f/documents/cfpb_mortgage-servicing-rules-covid-19_faqs.pdfLink to https://files.consumerfinance.gov/f/documents/cfpb_mortgage-servicing-rules-covid-19_faqs.pdfLink to https://files.consumerfinance.gov/f/documents/cfpb_mortgage-servicing-rules-covid-19_faqs.pdfLink to https://files.consumerfinance.gov/f/documents/cfpb_mortgage-servicing-rules-covid-19_faqs.pdfLink to https://files.consumerfinance.gov/f/documents/cfpb_mortgage-servicing-rules-covid-19_faqs.pdfLink to https://files.consumerfinance.gov/f/documents/cfpb_mortgage-servicing-rules-covid-19_faqs.pdfLink to https://files.consumerfinance.gov/f/documents/cfpb_mortgage-servicing-rules-covid-19_faqs.pdfLink to https://files.consumerfinance.gov/f/documents/cfpb_mortgage-servicing-rules-covid-19_faqs.pdfLink to https://files.consumerfinance.gov/f/documents/cfpb_mortgage-servicing-rules-covid-19_faqs.pdfLink to https://files.consumerfinance.gov/f/documents/cfpb_mortgage-servicing-rules-covid-19_faqs.pdfLink to https://files.consumerfinance.gov/f/documents/cfpb_mortgage-servicing-rules-covid-19_faqs.pdfLink to https://files.consumerfinance.gov/f/documents/cfpb_mortgage-servicing-rules-covid-19_faqs.pdfLink to https://files.consumerfinance.gov/f/documents/cfpb_mortgage-servicing-rules-covid-19_faqs.pdfLink to https://files.consumerfinance.gov/f/documents/cfpb_mortgage-servicing-rules-covid-19_faqs.pdfLink to https://files.consumerfinance.gov/f/documents/cfpb_mortgage-servicing-rules-covid-19_faqs.pdfLink to https://files.consumerfinance.gov/f/documents/cfpb_mortgage-servicing-rules-covid-19_faqs.pdfLink to https://files.consumerfinance.gov/f/documents/cfpb_mortgage-servicing-rules-covid-19_faqs.pdfLink to https://files.consumerfinance.gov/f/documents/cfpb_mortgage-servicing-rules-covid-19_faqs.pdfLink to https://files.consumerfinance.gov/f/documents/cfpb_mortgage-servicing-rules-covid-19_faqs.pdfLink to https://files.consumerfinance.gov/f/documents/cfpb_mortgage-servicing-rules-covid-19_faqs.pdfLink to https://files.consumerfinance.gov/f/documents/cfpb_mortgage-servicing-rules-covid-19_faqs.pdfLink to https://files.consumerfinance.gov/f/documents/cfpb_mortgage-servicing-rules-covid-19_faqs.pdfLink to https://files.consumerfinance.gov/f/documents/cfpb_mortgage-servicing-rules-covid-19_faqs.pdfLink to https://files.consumerfinance.gov/f/documents/cfpb_mortgage-servicing-rules-covid-19_faqs.pdfClick here to review a copy of the Bureau’s FAQ.

MBA and Financial Services Industry Urge Financial Regulators to Establish Liquidity Facility
On April 4, 2020, the Mortgage Bankers Association released a statement in conjunction with a broad coalition of housing and financial services organizations, calling on Treasury, the FHFA and the Fed to work urgently to assist servicers with liquidity during the required loan forbearance under the CARES Act, including a needed financing program. Link to https://mba-pa.informz.net/informzdataservice/onlineversion/ind/bWFpbGluZ2luc3RhbmNlaWQ9Nzg3NTc1NSZzdWJzY3JpYmVyaWQ9OTEyMDYwMDc4Link to https://mba-pa.informz.net/informzdataservice/onlineversion/ind/bWFpbGluZ2luc3RhbmNlaWQ9Nzg3NTc1NSZzdWJzY3JpYmVyaWQ9OTEyMDYwMDc4Link to https://mba-pa.informz.net/informzdataservice/onlineversion/ind/bWFpbGluZ2luc3RhbmNlaWQ9Nzg3NTc1NSZzdWJzY3JpYmVyaWQ9OTEyMDYwMDc4Link to https://mba-pa.informz.net/informzdataservice/onlineversion/ind/bWFpbGluZ2luc3RhbmNlaWQ9Nzg3NTc1NSZzdWJzY3JpYmVyaWQ9OTEyMDYwMDc4Link to https://mba-pa.informz.net/informzdataservice/onlineversion/ind/bWFpbGluZ2luc3RhbmNlaWQ9Nzg3NTc1NSZzdWJzY3JpYmVyaWQ9OTEyMDYwMDc4Link to https://mba-pa.informz.net/informzdataservice/onlineversion/ind/bWFpbGluZ2luc3RhbmNlaWQ9Nzg3NTc1NSZzdWJzY3JpYmVyaWQ9OTEyMDYwMDc4Link to https://mba-pa.informz.net/informzdataservice/onlineversion/ind/bWFpbGluZ2luc3RhbmNlaWQ9Nzg3NTc1NSZzdWJzY3JpYmVyaWQ9OTEyMDYwMDc4Link to 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https://mba-pa.informz.net/informzdataservice/onlineversion/ind/bWFpbGluZ2luc3RhbmNlaWQ9Nzg3NTc1NSZzdWJzY3JpYmVyaWQ9OTEyMDYwMDc4Link to https://mba-pa.informz.net/informzdataservice/onlineversion/ind/bWFpbGluZ2luc3RhbmNlaWQ9Nzg3NTc1NSZzdWJzY3JpYmVyaWQ9OTEyMDYwMDc4Link to https://mba-pa.informz.net/informzdataservice/onlineversion/ind/bWFpbGluZ2luc3RhbmNlaWQ9Nzg3NTc1NSZzdWJzY3JpYmVyaWQ9OTEyMDYwMDc4Link to https://mba-pa.informz.net/informzdataservice/onlineversion/ind/bWFpbGluZ2luc3RhbmNlaWQ9Nzg3NTc1NSZzdWJzY3JpYmVyaWQ9OTEyMDYwMDc4Link to https://mba-pa.informz.net/informzdataservice/onlineversion/ind/bWFpbGluZ2luc3RhbmNlaWQ9Nzg3NTc1NSZzdWJzY3JpYmVyaWQ9OTEyMDYwMDc4Link to https://mba-pa.informz.net/informzdataservice/onlineversion/ind/bWFpbGluZ2luc3RhbmNlaWQ9Nzg3NTc1NSZzdWJzY3JpYmVyaWQ9OTEyMDYwMDc4Link to https://mba-pa.informz.net/informzdataservice/onlineversion/ind/bWFpbGluZ2luc3RhbmNlaWQ9Nzg3NTc1NSZzdWJzY3JpYmVyaWQ9OTEyMDYwMDc4Link to https://mba-pa.informz.net/informzdataservice/onlineversion/ind/bWFpbGluZ2luc3RhbmNlaWQ9Nzg3NTc1NSZzdWJzY3JpYmVyaWQ9OTEyMDYwMDc4Link to https://mba-pa.informz.net/informzdataservice/onlineversion/ind/bWFpbGluZ2luc3RhbmNlaWQ9Nzg3NTc1NSZzdWJzY3JpYmVyaWQ9OTEyMDYwMDc4Link to https://mba-pa.informz.net/informzdataservice/onlineversion/ind/bWFpbGluZ2luc3RhbmNlaWQ9Nzg3NTc1NSZzdWJzY3JpYmVyaWQ9OTEyMDYwMDc4Link to https://mba-pa.informz.net/informzdataservice/onlineversion/ind/bWFpbGluZ2luc3RhbmNlaWQ9Nzg3NTc1NSZzdWJzY3JpYmVyaWQ9OTEyMDYwMDc4Link to https://mba-pa.informz.net/informzdataservice/onlineversion/ind/bWFpbGluZ2luc3RhbmNlaWQ9Nzg3NTc1NSZzdWJzY3JpYmVyaWQ9OTEyMDYwMDc4Link to https://mba-pa.informz.net/informzdataservice/onlineversion/ind/bWFpbGluZ2luc3RhbmNlaWQ9Nzg3NTc1NSZzdWJzY3JpYmVyaWQ9OTEyMDYwMDc4Link to https://mba-pa.informz.net/informzdataservice/onlineversion/ind/bWFpbGluZ2luc3RhbmNlaWQ9Nzg3NTc1NSZzdWJzY3JpYmVyaWQ9OTEyMDYwMDc4Link to https://mba-pa.informz.net/informzdataservice/onlineversion/ind/bWFpbGluZ2luc3RhbmNlaWQ9Nzg3NTc1NSZzdWJzY3JpYmVyaWQ9OTEyMDYwMDc4Link to https://mba-pa.informz.net/informzdataservice/onlineversion/ind/bWFpbGluZ2luc3RhbmNlaWQ9Nzg3NTc1NSZzdWJzY3JpYmVyaWQ9OTEyMDYwMDc4Link to https://mba-pa.informz.net/informzdataservice/onlineversion/ind/bWFpbGluZ2luc3RhbmNlaWQ9Nzg3NTc1NSZzdWJzY3JpYmVyaWQ9OTEyMDYwMDc4Link to https://mba-pa.informz.net/informzdataservice/onlineversion/ind/bWFpbGluZ2luc3RhbmNlaWQ9Nzg3NTc1NSZzdWJzY3JpYmVyaWQ9OTEyMDYwMDc4Link to https://mba-pa.informz.net/informzdataservice/onlineversion/ind/bWFpbGluZ2luc3RhbmNlaWQ9Nzg3NTc1NSZzdWJzY3JpYmVyaWQ9OTEyMDYwMDc4Link to https://mba-pa.informz.net/informzdataservice/onlineversion/ind/bWFpbGluZ2luc3RhbmNlaWQ9Nzg3NTc1NSZzdWJzY3JpYmVyaWQ9OTEyMDYwMDc4Link to https://mba-pa.informz.net/informzdataservice/onlineversion/ind/bWFpbGluZ2luc3RhbmNlaWQ9Nzg3NTc1NSZzdWJzY3JpYmVyaWQ9OTEyMDYwMDc4Link to https://mba-pa.informz.net/informzdataservice/onlineversion/ind/bWFpbGluZ2luc3RhbmNlaWQ9Nzg3NTc1NSZzdWJzY3JpYmVyaWQ9OTEyMDYwMDc4Link to https://mba-pa.informz.net/informzdataservice/onlineversion/ind/bWFpbGluZ2luc3RhbmNlaWQ9Nzg3NTc1NSZzdWJzY3JpYmVyaWQ9OTEyMDYwMDc4Link to https://mba-pa.informz.net/informzdataservice/onlineversion/ind/bWFpbGluZ2luc3RhbmNlaWQ9Nzg3NTc1NSZzdWJzY3JpYmVyaWQ9OTEyMDYwMDc4Link to https://mba-pa.informz.net/informzdataservice/onlineversion/ind/bWFpbGluZ2luc3RhbmNlaWQ9Nzg3NTc1NSZzdWJzY3JpYmVyaWQ9OTEyMDYwMDc4Link to https://mba-pa.informz.net/informzdataservice/onlineversion/ind/bWFpbGluZ2luc3RhbmNlaWQ9Nzg3NTc1NSZzdWJzY3JpYmVyaWQ9OTEyMDYwMDc4Link to https://mba-pa.informz.net/informzdataservice/onlineversion/ind/bWFpbGluZ2luc3RhbmNlaWQ9Nzg3NTc1NSZzdWJzY3JpYmVyaWQ9OTEyMDYwMDc4Link to https://mba-pa.informz.net/informzdataservice/onlineversion/ind/bWFpbGluZ2luc3RhbmNlaWQ9Nzg3NTc1NSZzdWJzY3JpYmVyaWQ9OTEyMDYwMDc4Link to https://mba-pa.informz.net/informzdataservice/onlineversion/ind/bWFpbGluZ2luc3RhbmNlaWQ9Nzg3NTc1NSZzdWJzY3JpYmVyaWQ9OTEyMDYwMDc4Click here to review the MBA’s News Release regarding the Statement.

Seattle City Council Asks Washington Governor for Complete Foreclosure Ban
On March 30, 2020, the City Counsel of Seattle sent a letter to Governor Inslee asserting: “While we have heard about temporary efforts from some financial institutions to delay foreclosures, particularly for mortgages secured by single-family homes and backed by the Federal Housing Administration, Fannie Mae, and Freddie Mac, we remain concerned that these voluntary efforts are not enforceable, and they do not cover all residential mortgages or commercial properties, including apartment buildings and buildings renting to small businesses.” The letter also inaccurately includes California in a list of states that already have moratoria. While California’s Governor requested a moratorium on foreclosure activity and the California Department of Business Oversight similarly urged financial institutions, there is currently no Order banning all foreclosure activity in the state. We will keep you updated as to whether the Governor of Washington issues such a moratorium for the state that would impact non-federally-backed loans. Link to http://www.seattle.gov/Documents/Departments/Council/letters/Letter-to-Governor-Inslee_Foreclosure-Moratorium.pdfLink to http://www.seattle.gov/Documents/Departments/Council/letters/Letter-to-Governor-Inslee_Foreclosure-Moratorium.pdfLink to http://www.seattle.gov/Documents/Departments/Council/letters/Letter-to-Governor-Inslee_Foreclosure-Moratorium.pdfLink to http://www.seattle.gov/Documents/Departments/Council/letters/Letter-to-Governor-Inslee_Foreclosure-Moratorium.pdfLink to http://www.seattle.gov/Documents/Departments/Council/letters/Letter-to-Governor-Inslee_Foreclosure-Moratorium.pdfLink to http://www.seattle.gov/Documents/Departments/Council/letters/Letter-to-Governor-Inslee_Foreclosure-Moratorium.pdfLink to http://www.seattle.gov/Documents/Departments/Council/letters/Letter-to-Governor-Inslee_Foreclosure-Moratorium.pdfLink to http://www.seattle.gov/Documents/Departments/Council/letters/Letter-to-Governor-Inslee_Foreclosure-Moratorium.pdfLink to http://www.seattle.gov/Documents/Departments/Council/letters/Letter-to-Governor-Inslee_Foreclosure-Moratorium.pdfLink to http://www.seattle.gov/Documents/Departments/Council/letters/Letter-to-Governor-Inslee_Foreclosure-Moratorium.pdfLink to http://www.seattle.gov/Documents/Departments/Council/letters/Letter-to-Governor-Inslee_Foreclosure-Moratorium.pdfLink to http://www.seattle.gov/Documents/Departments/Council/letters/Letter-to-Governor-Inslee_Foreclosure-Moratorium.pdfLink to http://www.seattle.gov/Documents/Departments/Council/letters/Letter-to-Governor-Inslee_Foreclosure-Moratorium.pdfLink to http://www.seattle.gov/Documents/Departments/Council/letters/Letter-to-Governor-Inslee_Foreclosure-Moratorium.pdfLink to http://www.seattle.gov/Documents/Departments/Council/letters/Letter-to-Governor-Inslee_Foreclosure-Moratorium.pdfLink to http://www.seattle.gov/Documents/Departments/Council/letters/Letter-to-Governor-Inslee_Foreclosure-Moratorium.pdfLink to http://www.seattle.gov/Documents/Departments/Council/letters/Letter-to-Governor-Inslee_Foreclosure-Moratorium.pdfLink to http://www.seattle.gov/Documents/Departments/Council/letters/Letter-to-Governor-Inslee_Foreclosure-Moratorium.pdfLink to http://www.seattle.gov/Documents/Departments/Council/letters/Letter-to-Governor-Inslee_Foreclosure-Moratorium.pdfLink to http://www.seattle.gov/Documents/Departments/Council/letters/Letter-to-Governor-Inslee_Foreclosure-Moratorium.pdfLink to http://www.seattle.gov/Documents/Departments/Council/letters/Letter-to-Governor-Inslee_Foreclosure-Moratorium.pdfLink to http://www.seattle.gov/Documents/Departments/Council/letters/Letter-to-Governor-Inslee_Foreclosure-Moratorium.pdfLink to http://www.seattle.gov/Documents/Departments/Council/letters/Letter-to-Governor-Inslee_Foreclosure-Moratorium.pdfLink to http://www.seattle.gov/Documents/Departments/Council/letters/Letter-to-Governor-Inslee_Foreclosure-Moratorium.pdfLink to http://www.seattle.gov/Documents/Departments/Council/letters/Letter-to-Governor-Inslee_Foreclosure-Moratorium.pdfLink to http://www.seattle.gov/Documents/Departments/Council/letters/Letter-to-Governor-Inslee_Foreclosure-Moratorium.pdfLink to http://www.seattle.gov/Documents/Departments/Council/letters/Letter-to-Governor-Inslee_Foreclosure-Moratorium.pdfLink to http://www.seattle.gov/Documents/Departments/Council/letters/Letter-to-Governor-Inslee_Foreclosure-Moratorium.pdfLink to http://www.seattle.gov/Documents/Departments/Council/letters/Letter-to-Governor-Inslee_Foreclosure-Moratorium.pdfLink to http://www.seattle.gov/Documents/Departments/Council/letters/Letter-to-Governor-Inslee_Foreclosure-Moratorium.pdfLink to http://www.seattle.gov/Documents/Departments/Council/letters/Letter-to-Governor-Inslee_Foreclosure-Moratorium.pdfLink to http://www.seattle.gov/Documents/Departments/Council/letters/Letter-to-Governor-Inslee_Foreclosure-Moratorium.pdfLink to http://www.seattle.gov/Documents/Departments/Council/letters/Letter-to-Governor-Inslee_Foreclosure-Moratorium.pdfLink to http://www.seattle.gov/Documents/Departments/Council/letters/Letter-to-Governor-Inslee_Foreclosure-Moratorium.pdfLink to http://www.seattle.gov/Documents/Departments/Council/letters/Letter-to-Governor-Inslee_Foreclosure-Moratorium.pdfLink to http://www.seattle.gov/Documents/Departments/Council/letters/Letter-to-Governor-Inslee_Foreclosure-Moratorium.pdfLink to http://www.seattle.gov/Documents/Departments/Council/letters/Letter-to-Governor-Inslee_Foreclosure-Moratorium.pdfLink to http://www.seattle.gov/Documents/Departments/Council/letters/Letter-to-Governor-Inslee_Foreclosure-Moratorium.pdfLink to http://www.seattle.gov/Documents/Departments/Council/letters/Letter-to-Governor-Inslee_Foreclosure-Moratorium.pdfLink to http://www.seattle.gov/Documents/Departments/Council/letters/Letter-to-Governor-Inslee_Foreclosure-Moratorium.pdfLink to http://www.seattle.gov/Documents/Departments/Council/letters/Letter-to-Governor-Inslee_Foreclosure-Moratorium.pdfLink to http://www.seattle.gov/Documents/Departments/Council/letters/Letter-to-Governor-Inslee_Foreclosure-Moratorium.pdfLink to http://www.seattle.gov/Documents/Departments/Council/letters/Letter-to-Governor-Inslee_Foreclosure-Moratorium.pdfLink to http://www.seattle.gov/Documents/Departments/Council/letters/Letter-to-Governor-Inslee_Foreclosure-Moratorium.pdfLink to http://www.seattle.gov/Documents/Departments/Council/letters/Letter-to-Governor-Inslee_Foreclosure-Moratorium.pdfLink to http://www.seattle.gov/Documents/Departments/Council/letters/Letter-to-Governor-Inslee_Foreclosure-Moratorium.pdfLink to http://www.seattle.gov/Documents/Departments/Council/letters/Letter-to-Governor-Inslee_Foreclosure-Moratorium.pdfLink to http://www.seattle.gov/Documents/Departments/Council/letters/Letter-to-Governor-Inslee_Foreclosure-Moratorium.pdfLink to http://www.seattle.gov/Documents/Departments/Council/letters/Letter-to-Governor-Inslee_Foreclosure-Moratorium.pdfLink to http://www.seattle.gov/Documents/Departments/Council/letters/Letter-to-Governor-Inslee_Foreclosure-Moratorium.pdfLink to http://www.seattle.gov/Documents/Departments/Council/letters/Letter-to-Governor-Inslee_Foreclosure-Moratorium.pdfLink to http://www.seattle.gov/Documents/Departments/Council/letters/Letter-to-Governor-Inslee_Foreclosure-Moratorium.pdfLink to http://www.seattle.gov/Documents/Departments/Council/letters/Letter-to-Governor-Inslee_Foreclosure-Moratorium.pdfLink to http://www.seattle.gov/Documents/Departments/Council/letters/Letter-to-Governor-Inslee_Foreclosure-Moratorium.pdfLink to http://www.seattle.gov/Documents/Departments/Council/letters/Letter-to-Governor-Inslee_Foreclosure-Moratorium.pdfLink to http://www.seattle.gov/Documents/Departments/Council/letters/Letter-to-Governor-Inslee_Foreclosure-Moratorium.pdfLink to http://www.seattle.gov/Documents/Departments/Council/letters/Letter-to-Governor-Inslee_Foreclosure-Moratorium.pdfClick here to review a copy of the letter.

Update on California Legislation
As previously reported, there are several bills pending in the California Legislature with potential impacts on our industry, including Senate Bill 908 to create a debt collection licensing requirement, Senate Bill 1322 enabling remote online notarization during the COVID-19 emergency, and the potential amendment to Senate Bill 828 to effect foreclosure and eviction moratoria statewide. On April 3, 2020, Senate and Assembly leaders announced the extended closure of the legislature through May 3rd. Thus, in the absence of some extraordinary emergency efforts, it appears that no California legislation will be formally moved forward or enacted until after the legislature returns on May 4, 2020 from its COVID-19 recess. As several pressing COVID-19 related issues remain unresolved , it is anticipated that committees will hit the ground running, and we will keep you updated on these activities.

Updates on Court Operations Limitations and Closures
Link to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfClick here to see an updated chart identifying information and website links for the status of Court Closures and Operations Limitations for the states of Arizona, California, Nevada, Oregon, Utah and Washington.

Due to the constantly changing situation, the above and the attached may not be a comprehensive list of closures and impacts. Keep checking this website for the latest developments in our states. If you have additional questions or concerns regarding these important matters, please feel free to contact Link to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netRobin Wright, Link to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netMichelle Mierzwa or Link to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netRobert Finlay.


Wright, Finlay & Zak's COVID-19 Update: April 3, 2020

April 3, 2020

As with our prior notifications regarding the impact of COVID-19-related issues, the situation continues to be fluid when it comes to servicing of loans, the management of default and REO assets and litigation in the court systems. Below is an update on the latest state and local developments throughout the Western U.S. In addition, this update also includes an update on GSE Guidelines for Remote Online Notarization and Powers of Attorney. As with all our updates, please keep in mind that additional orders and directives are being considered and issued by state and local jurisdictions as we speak, and we will continue to monitor all channels to provide you with updated information as it becomes available. Thanks, everyone.

GSEs Issue Updates Regarding Use of Remote Online Notarization and Powers of Attorney in light of COVID-19
On March 31, 2020, Fannie Mae and Freddie Mac issued updated guidance regarding COVID-19-related issues impacting loan originators including, among others:

  • Powers of attorney: providing flexibilities for use of a power of attorney
  • Remote online notarization: providing expansion of the use of remote online notarization

Link to https://cdn.ymaws.com/www.clta.org/resource/resmgr/covid19/COVID-19_Selling_LL-2020-03_.pdfLink to https://cdn.ymaws.com/www.clta.org/resource/resmgr/covid19/COVID-19_Selling_LL-2020-03_.pdfLink to https://cdn.ymaws.com/www.clta.org/resource/resmgr/covid19/COVID-19_Selling_LL-2020-03_.pdfLink to https://cdn.ymaws.com/www.clta.org/resource/resmgr/covid19/COVID-19_Selling_LL-2020-03_.pdfLink to https://cdn.ymaws.com/www.clta.org/resource/resmgr/covid19/COVID-19_Selling_LL-2020-03_.pdfLink to https://cdn.ymaws.com/www.clta.org/resource/resmgr/covid19/COVID-19_Selling_LL-2020-03_.pdfLink to https://cdn.ymaws.com/www.clta.org/resource/resmgr/covid19/COVID-19_Selling_LL-2020-03_.pdfLink to https://cdn.ymaws.com/www.clta.org/resource/resmgr/covid19/COVID-19_Selling_LL-2020-03_.pdfLink to https://cdn.ymaws.com/www.clta.org/resource/resmgr/covid19/COVID-19_Selling_LL-2020-03_.pdfLink to https://cdn.ymaws.com/www.clta.org/resource/resmgr/covid19/COVID-19_Selling_LL-2020-03_.pdfLink to https://cdn.ymaws.com/www.clta.org/resource/resmgr/covid19/COVID-19_Selling_LL-2020-03_.pdfLink to https://cdn.ymaws.com/www.clta.org/resource/resmgr/covid19/COVID-19_Selling_LL-2020-03_.pdfLink to https://cdn.ymaws.com/www.clta.org/resource/resmgr/covid19/COVID-19_Selling_LL-2020-03_.pdfLink to https://cdn.ymaws.com/www.clta.org/resource/resmgr/covid19/COVID-19_Selling_LL-2020-03_.pdfLink to https://cdn.ymaws.com/www.clta.org/resource/resmgr/covid19/COVID-19_Selling_LL-2020-03_.pdfLink to https://cdn.ymaws.com/www.clta.org/resource/resmgr/covid19/COVID-19_Selling_LL-2020-03_.pdfLink to https://cdn.ymaws.com/www.clta.org/resource/resmgr/covid19/COVID-19_Selling_LL-2020-03_.pdfLink to https://cdn.ymaws.com/www.clta.org/resource/resmgr/covid19/COVID-19_Selling_LL-2020-03_.pdfLink to https://cdn.ymaws.com/www.clta.org/resource/resmgr/covid19/COVID-19_Selling_LL-2020-03_.pdfLink to https://cdn.ymaws.com/www.clta.org/resource/resmgr/covid19/COVID-19_Selling_LL-2020-03_.pdfLink to https://cdn.ymaws.com/www.clta.org/resource/resmgr/covid19/COVID-19_Selling_LL-2020-03_.pdfLink to https://cdn.ymaws.com/www.clta.org/resource/resmgr/covid19/COVID-19_Selling_LL-2020-03_.pdfLink to https://cdn.ymaws.com/www.clta.org/resource/resmgr/covid19/COVID-19_Selling_LL-2020-03_.pdfLink to https://cdn.ymaws.com/www.clta.org/resource/resmgr/covid19/COVID-19_Selling_LL-2020-03_.pdfLink to https://cdn.ymaws.com/www.clta.org/resource/resmgr/covid19/COVID-19_Selling_LL-2020-03_.pdfLink to https://cdn.ymaws.com/www.clta.org/resource/resmgr/covid19/COVID-19_Selling_LL-2020-03_.pdfLink to https://cdn.ymaws.com/www.clta.org/resource/resmgr/covid19/COVID-19_Selling_LL-2020-03_.pdfLink to https://cdn.ymaws.com/www.clta.org/resource/resmgr/covid19/COVID-19_Selling_LL-2020-03_.pdfLink to https://cdn.ymaws.com/www.clta.org/resource/resmgr/covid19/COVID-19_Selling_LL-2020-03_.pdfLink to https://cdn.ymaws.com/www.clta.org/resource/resmgr/covid19/COVID-19_Selling_LL-2020-03_.pdfLink to https://cdn.ymaws.com/www.clta.org/resource/resmgr/covid19/COVID-19_Selling_LL-2020-03_.pdfLink to https://cdn.ymaws.com/www.clta.org/resource/resmgr/covid19/COVID-19_Selling_LL-2020-03_.pdfLink to https://cdn.ymaws.com/www.clta.org/resource/resmgr/covid19/COVID-19_Selling_LL-2020-03_.pdfLink to https://cdn.ymaws.com/www.clta.org/resource/resmgr/covid19/COVID-19_Selling_LL-2020-03_.pdfLink to https://cdn.ymaws.com/www.clta.org/resource/resmgr/covid19/COVID-19_Selling_LL-2020-03_.pdfLink to https://cdn.ymaws.com/www.clta.org/resource/resmgr/covid19/COVID-19_Selling_LL-2020-03_.pdfLink to https://cdn.ymaws.com/www.clta.org/resource/resmgr/covid19/COVID-19_Selling_LL-2020-03_.pdfLink to https://cdn.ymaws.com/www.clta.org/resource/resmgr/covid19/COVID-19_Selling_LL-2020-03_.pdfLink to https://cdn.ymaws.com/www.clta.org/resource/resmgr/covid19/COVID-19_Selling_LL-2020-03_.pdfLink to https://cdn.ymaws.com/www.clta.org/resource/resmgr/covid19/COVID-19_Selling_LL-2020-03_.pdfLink to https://cdn.ymaws.com/www.clta.org/resource/resmgr/covid19/COVID-19_Selling_LL-2020-03_.pdfLink to https://cdn.ymaws.com/www.clta.org/resource/resmgr/covid19/COVID-19_Selling_LL-2020-03_.pdfLink to https://cdn.ymaws.com/www.clta.org/resource/resmgr/covid19/COVID-19_Selling_LL-2020-03_.pdfLink to https://cdn.ymaws.com/www.clta.org/resource/resmgr/covid19/COVID-19_Selling_LL-2020-03_.pdfLink to https://cdn.ymaws.com/www.clta.org/resource/resmgr/covid19/COVID-19_Selling_LL-2020-03_.pdfLink to https://cdn.ymaws.com/www.clta.org/resource/resmgr/covid19/COVID-19_Selling_LL-2020-03_.pdfLink to https://cdn.ymaws.com/www.clta.org/resource/resmgr/covid19/COVID-19_Selling_LL-2020-03_.pdfLink to https://cdn.ymaws.com/www.clta.org/resource/resmgr/covid19/COVID-19_Selling_LL-2020-03_.pdfLink to https://cdn.ymaws.com/www.clta.org/resource/resmgr/covid19/COVID-19_Selling_LL-2020-03_.pdfLink to https://cdn.ymaws.com/www.clta.org/resource/resmgr/covid19/COVID-19_Selling_LL-2020-03_.pdfLink to https://cdn.ymaws.com/www.clta.org/resource/resmgr/covid19/COVID-19_Selling_LL-2020-03_.pdfLink to https://cdn.ymaws.com/www.clta.org/resource/resmgr/covid19/COVID-19_Selling_LL-2020-03_.pdfLink to https://cdn.ymaws.com/www.clta.org/resource/resmgr/covid19/COVID-19_Selling_LL-2020-03_.pdfLink to https://cdn.ymaws.com/www.clta.org/resource/resmgr/covid19/COVID-19_Selling_LL-2020-03_.pdfLink to https://cdn.ymaws.com/www.clta.org/resource/resmgr/covid19/COVID-19_Selling_LL-2020-03_.pdfLink to https://cdn.ymaws.com/www.clta.org/resource/resmgr/covid19/COVID-19_Selling_LL-2020-03_.pdfLink to https://cdn.ymaws.com/www.clta.org/resource/resmgr/covid19/COVID-19_Selling_LL-2020-03_.pdfLink to https://cdn.ymaws.com/www.clta.org/resource/resmgr/covid19/COVID-19_Selling_LL-2020-03_.pdfLink to https://cdn.ymaws.com/www.clta.org/resource/resmgr/covid19/COVID-19_Selling_LL-2020-03_.pdfClick here to review a copy of Fannie Mae’s Updated Lender Letter 2020-03. Link to https://cdn.ymaws.com/www.clta.org/resource/resmgr/covid19/Freddie_bulletin_2020-8.pdfLink to https://cdn.ymaws.com/www.clta.org/resource/resmgr/covid19/Freddie_bulletin_2020-8.pdfLink to https://cdn.ymaws.com/www.clta.org/resource/resmgr/covid19/Freddie_bulletin_2020-8.pdfLink to https://cdn.ymaws.com/www.clta.org/resource/resmgr/covid19/Freddie_bulletin_2020-8.pdfLink to https://cdn.ymaws.com/www.clta.org/resource/resmgr/covid19/Freddie_bulletin_2020-8.pdfLink to https://cdn.ymaws.com/www.clta.org/resource/resmgr/covid19/Freddie_bulletin_2020-8.pdfLink to https://cdn.ymaws.com/www.clta.org/resource/resmgr/covid19/Freddie_bulletin_2020-8.pdfLink to https://cdn.ymaws.com/www.clta.org/resource/resmgr/covid19/Freddie_bulletin_2020-8.pdfLink to https://cdn.ymaws.com/www.clta.org/resource/resmgr/covid19/Freddie_bulletin_2020-8.pdfLink to https://cdn.ymaws.com/www.clta.org/resource/resmgr/covid19/Freddie_bulletin_2020-8.pdfLink to https://cdn.ymaws.com/www.clta.org/resource/resmgr/covid19/Freddie_bulletin_2020-8.pdfLink to https://cdn.ymaws.com/www.clta.org/resource/resmgr/covid19/Freddie_bulletin_2020-8.pdfLink to https://cdn.ymaws.com/www.clta.org/resource/resmgr/covid19/Freddie_bulletin_2020-8.pdfLink to https://cdn.ymaws.com/www.clta.org/resource/resmgr/covid19/Freddie_bulletin_2020-8.pdfLink to https://cdn.ymaws.com/www.clta.org/resource/resmgr/covid19/Freddie_bulletin_2020-8.pdfLink to https://cdn.ymaws.com/www.clta.org/resource/resmgr/covid19/Freddie_bulletin_2020-8.pdfLink to https://cdn.ymaws.com/www.clta.org/resource/resmgr/covid19/Freddie_bulletin_2020-8.pdfLink to https://cdn.ymaws.com/www.clta.org/resource/resmgr/covid19/Freddie_bulletin_2020-8.pdfLink to https://cdn.ymaws.com/www.clta.org/resource/resmgr/covid19/Freddie_bulletin_2020-8.pdfLink to https://cdn.ymaws.com/www.clta.org/resource/resmgr/covid19/Freddie_bulletin_2020-8.pdfLink to https://cdn.ymaws.com/www.clta.org/resource/resmgr/covid19/Freddie_bulletin_2020-8.pdfLink to https://cdn.ymaws.com/www.clta.org/resource/resmgr/covid19/Freddie_bulletin_2020-8.pdfLink to https://cdn.ymaws.com/www.clta.org/resource/resmgr/covid19/Freddie_bulletin_2020-8.pdfLink to https://cdn.ymaws.com/www.clta.org/resource/resmgr/covid19/Freddie_bulletin_2020-8.pdfLink to https://cdn.ymaws.com/www.clta.org/resource/resmgr/covid19/Freddie_bulletin_2020-8.pdfLink to https://cdn.ymaws.com/www.clta.org/resource/resmgr/covid19/Freddie_bulletin_2020-8.pdfLink to https://cdn.ymaws.com/www.clta.org/resource/resmgr/covid19/Freddie_bulletin_2020-8.pdfLink to https://cdn.ymaws.com/www.clta.org/resource/resmgr/covid19/Freddie_bulletin_2020-8.pdfLink to https://cdn.ymaws.com/www.clta.org/resource/resmgr/covid19/Freddie_bulletin_2020-8.pdfLink to https://cdn.ymaws.com/www.clta.org/resource/resmgr/covid19/Freddie_bulletin_2020-8.pdfLink to https://cdn.ymaws.com/www.clta.org/resource/resmgr/covid19/Freddie_bulletin_2020-8.pdfLink to https://cdn.ymaws.com/www.clta.org/resource/resmgr/covid19/Freddie_bulletin_2020-8.pdfLink to https://cdn.ymaws.com/www.clta.org/resource/resmgr/covid19/Freddie_bulletin_2020-8.pdfLink to https://cdn.ymaws.com/www.clta.org/resource/resmgr/covid19/Freddie_bulletin_2020-8.pdfLink to https://cdn.ymaws.com/www.clta.org/resource/resmgr/covid19/Freddie_bulletin_2020-8.pdfLink to https://cdn.ymaws.com/www.clta.org/resource/resmgr/covid19/Freddie_bulletin_2020-8.pdfLink to https://cdn.ymaws.com/www.clta.org/resource/resmgr/covid19/Freddie_bulletin_2020-8.pdfLink to https://cdn.ymaws.com/www.clta.org/resource/resmgr/covid19/Freddie_bulletin_2020-8.pdfLink to https://cdn.ymaws.com/www.clta.org/resource/resmgr/covid19/Freddie_bulletin_2020-8.pdfLink to https://cdn.ymaws.com/www.clta.org/resource/resmgr/covid19/Freddie_bulletin_2020-8.pdfLink to https://cdn.ymaws.com/www.clta.org/resource/resmgr/covid19/Freddie_bulletin_2020-8.pdfLink to https://cdn.ymaws.com/www.clta.org/resource/resmgr/covid19/Freddie_bulletin_2020-8.pdfLink to https://cdn.ymaws.com/www.clta.org/resource/resmgr/covid19/Freddie_bulletin_2020-8.pdfLink to https://cdn.ymaws.com/www.clta.org/resource/resmgr/covid19/Freddie_bulletin_2020-8.pdfLink to https://cdn.ymaws.com/www.clta.org/resource/resmgr/covid19/Freddie_bulletin_2020-8.pdfLink to https://cdn.ymaws.com/www.clta.org/resource/resmgr/covid19/Freddie_bulletin_2020-8.pdfLink to https://cdn.ymaws.com/www.clta.org/resource/resmgr/covid19/Freddie_bulletin_2020-8.pdfLink to https://cdn.ymaws.com/www.clta.org/resource/resmgr/covid19/Freddie_bulletin_2020-8.pdfLink to https://cdn.ymaws.com/www.clta.org/resource/resmgr/covid19/Freddie_bulletin_2020-8.pdfLink to https://cdn.ymaws.com/www.clta.org/resource/resmgr/covid19/Freddie_bulletin_2020-8.pdfLink to https://cdn.ymaws.com/www.clta.org/resource/resmgr/covid19/Freddie_bulletin_2020-8.pdfLink to https://cdn.ymaws.com/www.clta.org/resource/resmgr/covid19/Freddie_bulletin_2020-8.pdfLink to https://cdn.ymaws.com/www.clta.org/resource/resmgr/covid19/Freddie_bulletin_2020-8.pdfLink to https://cdn.ymaws.com/www.clta.org/resource/resmgr/covid19/Freddie_bulletin_2020-8.pdfLink to https://cdn.ymaws.com/www.clta.org/resource/resmgr/covid19/Freddie_bulletin_2020-8.pdfLink to https://cdn.ymaws.com/www.clta.org/resource/resmgr/covid19/Freddie_bulletin_2020-8.pdfLink to https://cdn.ymaws.com/www.clta.org/resource/resmgr/covid19/Freddie_bulletin_2020-8.pdfLink to https://cdn.ymaws.com/www.clta.org/resource/resmgr/covid19/Freddie_bulletin_2020-8.pdfLink to https://cdn.ymaws.com/www.clta.org/resource/resmgr/covid19/Freddie_bulletin_2020-8.pdfClick here to review a copy of Freddie Mac’s Bulletin 2020-8. NOTE: Remote Online Notarization is not yet available in California, but stay tuned as a new legislation (Senate Bill 1322) has been introduced creating the Remote Online Notarization Act allowing remote online notary services only during the COVID-19 related state of emergency. We will advise you of the further progress of this Bill as the California Legislature returns in May.

Washington’s Governor Held Press Conference Regarding Mortgage Forbearance; Department of Financial Institutions Guidance; Stay Extension
On April 2, 2020, Gov. Inslee announced at a press conference “mortgage forbearance” for federally-backed mortgage loans (as implemented by the CARES Act), and a new team at the Department of Financial Institutions set-up to help homeowners. Link to https://www.governor.wa.gov/news-media/inslee-and-dfi-announce-assistance-homeowners-unable-make-mortgage-paymentsLink to https://www.governor.wa.gov/news-media/inslee-and-dfi-announce-assistance-homeowners-unable-make-mortgage-paymentsLink to https://www.governor.wa.gov/news-media/inslee-and-dfi-announce-assistance-homeowners-unable-make-mortgage-paymentsLink to https://www.governor.wa.gov/news-media/inslee-and-dfi-announce-assistance-homeowners-unable-make-mortgage-paymentsLink to https://www.governor.wa.gov/news-media/inslee-and-dfi-announce-assistance-homeowners-unable-make-mortgage-paymentsLink to https://www.governor.wa.gov/news-media/inslee-and-dfi-announce-assistance-homeowners-unable-make-mortgage-paymentsLink to https://www.governor.wa.gov/news-media/inslee-and-dfi-announce-assistance-homeowners-unable-make-mortgage-paymentsLink to https://www.governor.wa.gov/news-media/inslee-and-dfi-announce-assistance-homeowners-unable-make-mortgage-paymentsLink to https://www.governor.wa.gov/news-media/inslee-and-dfi-announce-assistance-homeowners-unable-make-mortgage-paymentsLink to https://www.governor.wa.gov/news-media/inslee-and-dfi-announce-assistance-homeowners-unable-make-mortgage-paymentsLink to https://www.governor.wa.gov/news-media/inslee-and-dfi-announce-assistance-homeowners-unable-make-mortgage-paymentsLink to https://www.governor.wa.gov/news-media/inslee-and-dfi-announce-assistance-homeowners-unable-make-mortgage-paymentsLink to https://www.governor.wa.gov/news-media/inslee-and-dfi-announce-assistance-homeowners-unable-make-mortgage-paymentsLink to https://www.governor.wa.gov/news-media/inslee-and-dfi-announce-assistance-homeowners-unable-make-mortgage-paymentsLink to https://www.governor.wa.gov/news-media/inslee-and-dfi-announce-assistance-homeowners-unable-make-mortgage-paymentsLink to https://www.governor.wa.gov/news-media/inslee-and-dfi-announce-assistance-homeowners-unable-make-mortgage-paymentsLink to https://www.governor.wa.gov/news-media/inslee-and-dfi-announce-assistance-homeowners-unable-make-mortgage-paymentsLink to https://www.governor.wa.gov/news-media/inslee-and-dfi-announce-assistance-homeowners-unable-make-mortgage-paymentsLink to https://www.governor.wa.gov/news-media/inslee-and-dfi-announce-assistance-homeowners-unable-make-mortgage-paymentsLink to https://www.governor.wa.gov/news-media/inslee-and-dfi-announce-assistance-homeowners-unable-make-mortgage-paymentsLink to https://www.governor.wa.gov/news-media/inslee-and-dfi-announce-assistance-homeowners-unable-make-mortgage-paymentsLink to https://www.governor.wa.gov/news-media/inslee-and-dfi-announce-assistance-homeowners-unable-make-mortgage-paymentsLink to https://www.governor.wa.gov/news-media/inslee-and-dfi-announce-assistance-homeowners-unable-make-mortgage-paymentsLink to https://www.governor.wa.gov/news-media/inslee-and-dfi-announce-assistance-homeowners-unable-make-mortgage-paymentsLink to https://www.governor.wa.gov/news-media/inslee-and-dfi-announce-assistance-homeowners-unable-make-mortgage-paymentsLink to https://www.governor.wa.gov/news-media/inslee-and-dfi-announce-assistance-homeowners-unable-make-mortgage-paymentsLink to https://www.governor.wa.gov/news-media/inslee-and-dfi-announce-assistance-homeowners-unable-make-mortgage-paymentsLink to https://www.governor.wa.gov/news-media/inslee-and-dfi-announce-assistance-homeowners-unable-make-mortgage-paymentsLink to https://www.governor.wa.gov/news-media/inslee-and-dfi-announce-assistance-homeowners-unable-make-mortgage-paymentsLink to https://www.governor.wa.gov/news-media/inslee-and-dfi-announce-assistance-homeowners-unable-make-mortgage-paymentsLink to https://www.governor.wa.gov/news-media/inslee-and-dfi-announce-assistance-homeowners-unable-make-mortgage-paymentsLink to https://www.governor.wa.gov/news-media/inslee-and-dfi-announce-assistance-homeowners-unable-make-mortgage-paymentsLink to https://www.governor.wa.gov/news-media/inslee-and-dfi-announce-assistance-homeowners-unable-make-mortgage-paymentsLink to https://www.governor.wa.gov/news-media/inslee-and-dfi-announce-assistance-homeowners-unable-make-mortgage-paymentsLink to https://www.governor.wa.gov/news-media/inslee-and-dfi-announce-assistance-homeowners-unable-make-mortgage-paymentsLink to https://www.governor.wa.gov/news-media/inslee-and-dfi-announce-assistance-homeowners-unable-make-mortgage-paymentsLink to https://www.governor.wa.gov/news-media/inslee-and-dfi-announce-assistance-homeowners-unable-make-mortgage-paymentsLink to https://www.governor.wa.gov/news-media/inslee-and-dfi-announce-assistance-homeowners-unable-make-mortgage-paymentsLink to https://www.governor.wa.gov/news-media/inslee-and-dfi-announce-assistance-homeowners-unable-make-mortgage-paymentsLink to https://www.governor.wa.gov/news-media/inslee-and-dfi-announce-assistance-homeowners-unable-make-mortgage-paymentsLink to https://www.governor.wa.gov/news-media/inslee-and-dfi-announce-assistance-homeowners-unable-make-mortgage-paymentsLink to https://www.governor.wa.gov/news-media/inslee-and-dfi-announce-assistance-homeowners-unable-make-mortgage-paymentsLink to https://www.governor.wa.gov/news-media/inslee-and-dfi-announce-assistance-homeowners-unable-make-mortgage-paymentsLink to https://www.governor.wa.gov/news-media/inslee-and-dfi-announce-assistance-homeowners-unable-make-mortgage-paymentsLink to https://www.governor.wa.gov/news-media/inslee-and-dfi-announce-assistance-homeowners-unable-make-mortgage-paymentsLink to https://www.governor.wa.gov/news-media/inslee-and-dfi-announce-assistance-homeowners-unable-make-mortgage-paymentsLink to https://www.governor.wa.gov/news-media/inslee-and-dfi-announce-assistance-homeowners-unable-make-mortgage-paymentsLink to https://www.governor.wa.gov/news-media/inslee-and-dfi-announce-assistance-homeowners-unable-make-mortgage-paymentsLink to https://www.governor.wa.gov/news-media/inslee-and-dfi-announce-assistance-homeowners-unable-make-mortgage-paymentsLink to https://www.governor.wa.gov/news-media/inslee-and-dfi-announce-assistance-homeowners-unable-make-mortgage-paymentsLink to https://www.governor.wa.gov/news-media/inslee-and-dfi-announce-assistance-homeowners-unable-make-mortgage-paymentsLink to https://www.governor.wa.gov/news-media/inslee-and-dfi-announce-assistance-homeowners-unable-make-mortgage-paymentsLink to https://www.governor.wa.gov/news-media/inslee-and-dfi-announce-assistance-homeowners-unable-make-mortgage-paymentsLink to https://www.governor.wa.gov/news-media/inslee-and-dfi-announce-assistance-homeowners-unable-make-mortgage-paymentsLink to https://www.governor.wa.gov/news-media/inslee-and-dfi-announce-assistance-homeowners-unable-make-mortgage-paymentsLink to https://www.governor.wa.gov/news-media/inslee-and-dfi-announce-assistance-homeowners-unable-make-mortgage-paymentsLink to https://www.governor.wa.gov/news-media/inslee-and-dfi-announce-assistance-homeowners-unable-make-mortgage-paymentsLink to https://www.governor.wa.gov/news-media/inslee-and-dfi-announce-assistance-homeowners-unable-make-mortgage-paymentsLink to https://www.governor.wa.gov/news-media/inslee-and-dfi-announce-assistance-homeowners-unable-make-mortgage-paymentsClick here to see the announcement page here. Link to https://dfi.wa.gov/homeownershipLink to https://dfi.wa.gov/homeownershipLink to https://dfi.wa.gov/homeownershipLink to https://dfi.wa.gov/homeownershipLink to https://dfi.wa.gov/homeownershipLink to https://dfi.wa.gov/homeownershipLink to https://dfi.wa.gov/homeownershipLink to https://dfi.wa.gov/homeownershipLink to https://dfi.wa.gov/homeownershipLink to https://dfi.wa.gov/homeownershipLink to https://dfi.wa.gov/homeownershipLink to https://dfi.wa.gov/homeownershipLink to https://dfi.wa.gov/homeownershipLink to https://dfi.wa.gov/homeownershipLink to https://dfi.wa.gov/homeownershipLink to https://dfi.wa.gov/homeownershipLink to https://dfi.wa.gov/homeownershipLink to https://dfi.wa.gov/homeownershipLink to https://dfi.wa.gov/homeownershipLink to https://dfi.wa.gov/homeownershipLink to https://dfi.wa.gov/homeownershipLink to https://dfi.wa.gov/homeownershipLink to https://dfi.wa.gov/homeownershipLink to https://dfi.wa.gov/homeownershipLink to https://dfi.wa.gov/homeownershipLink to https://dfi.wa.gov/homeownershipLink to https://dfi.wa.gov/homeownershipLink to https://dfi.wa.gov/homeownershipLink to https://dfi.wa.gov/homeownershipLink to https://dfi.wa.gov/homeownershipLink to https://dfi.wa.gov/homeownershipLink to https://dfi.wa.gov/homeownershipLink to https://dfi.wa.gov/homeownershipLink to https://dfi.wa.gov/homeownershipLink to https://dfi.wa.gov/homeownershipLink to https://dfi.wa.gov/homeownershipLink to https://dfi.wa.gov/homeownershipLink to https://dfi.wa.gov/homeownershipLink to https://dfi.wa.gov/homeownershipLink to https://dfi.wa.gov/homeownershipLink to https://dfi.wa.gov/homeownershipLink to https://dfi.wa.gov/homeownershipLink to https://dfi.wa.gov/homeownershipLink to https://dfi.wa.gov/homeownershipLink to https://dfi.wa.gov/homeownershipLink to https://dfi.wa.gov/homeownershipLink to https://dfi.wa.gov/homeownershipLink to https://dfi.wa.gov/homeownershipLink to https://dfi.wa.gov/homeownershipLink to https://dfi.wa.gov/homeownershipLink to https://dfi.wa.gov/homeownershipLink to https://dfi.wa.gov/homeownershipLink to https://dfi.wa.gov/homeownershipLink to https://dfi.wa.gov/homeownershipLink to https://dfi.wa.gov/homeownershipLink to https://dfi.wa.gov/homeownershipLink to https://dfi.wa.gov/homeownershipLink to https://dfi.wa.gov/homeownershipLink to https://dfi.wa.gov/homeownershipClick here to review a special page for mortgage assistance through the DFI. Specific banks are listed on a sub-page showcasing their announcements to help borrowers across the board. Link to https://dfi.wa.gov/homeownership/covid-19-mortgage-assistance-washington-residents#mortgage-lendersLink to https://dfi.wa.gov/homeownership/covid-19-mortgage-assistance-washington-residents#mortgage-lendersLink to https://dfi.wa.gov/homeownership/covid-19-mortgage-assistance-washington-residents#mortgage-lendersLink to https://dfi.wa.gov/homeownership/covid-19-mortgage-assistance-washington-residents#mortgage-lendersLink to https://dfi.wa.gov/homeownership/covid-19-mortgage-assistance-washington-residents#mortgage-lendersLink to https://dfi.wa.gov/homeownership/covid-19-mortgage-assistance-washington-residents#mortgage-lendersLink to https://dfi.wa.gov/homeownership/covid-19-mortgage-assistance-washington-residents#mortgage-lendersLink to https://dfi.wa.gov/homeownership/covid-19-mortgage-assistance-washington-residents#mortgage-lendersLink to https://dfi.wa.gov/homeownership/covid-19-mortgage-assistance-washington-residents#mortgage-lendersLink to https://dfi.wa.gov/homeownership/covid-19-mortgage-assistance-washington-residents#mortgage-lendersLink to https://dfi.wa.gov/homeownership/covid-19-mortgage-assistance-washington-residents#mortgage-lendersLink to https://dfi.wa.gov/homeownership/covid-19-mortgage-assistance-washington-residents#mortgage-lendersLink to https://dfi.wa.gov/homeownership/covid-19-mortgage-assistance-washington-residents#mortgage-lendersLink to https://dfi.wa.gov/homeownership/covid-19-mortgage-assistance-washington-residents#mortgage-lendersLink to https://dfi.wa.gov/homeownership/covid-19-mortgage-assistance-washington-residents#mortgage-lendersLink to https://dfi.wa.gov/homeownership/covid-19-mortgage-assistance-washington-residents#mortgage-lendersLink to https://dfi.wa.gov/homeownership/covid-19-mortgage-assistance-washington-residents#mortgage-lendersLink to https://dfi.wa.gov/homeownership/covid-19-mortgage-assistance-washington-residents#mortgage-lendersLink to https://dfi.wa.gov/homeownership/covid-19-mortgage-assistance-washington-residents#mortgage-lendersLink to https://dfi.wa.gov/homeownership/covid-19-mortgage-assistance-washington-residents#mortgage-lendersLink to https://dfi.wa.gov/homeownership/covid-19-mortgage-assistance-washington-residents#mortgage-lendersLink to https://dfi.wa.gov/homeownership/covid-19-mortgage-assistance-washington-residents#mortgage-lendersLink to https://dfi.wa.gov/homeownership/covid-19-mortgage-assistance-washington-residents#mortgage-lendersLink to https://dfi.wa.gov/homeownership/covid-19-mortgage-assistance-washington-residents#mortgage-lendersLink to https://dfi.wa.gov/homeownership/covid-19-mortgage-assistance-washington-residents#mortgage-lendersLink to https://dfi.wa.gov/homeownership/covid-19-mortgage-assistance-washington-residents#mortgage-lendersLink to https://dfi.wa.gov/homeownership/covid-19-mortgage-assistance-washington-residents#mortgage-lendersLink to https://dfi.wa.gov/homeownership/covid-19-mortgage-assistance-washington-residents#mortgage-lendersLink to https://dfi.wa.gov/homeownership/covid-19-mortgage-assistance-washington-residents#mortgage-lendersLink to https://dfi.wa.gov/homeownership/covid-19-mortgage-assistance-washington-residents#mortgage-lendersLink to https://dfi.wa.gov/homeownership/covid-19-mortgage-assistance-washington-residents#mortgage-lendersLink to https://dfi.wa.gov/homeownership/covid-19-mortgage-assistance-washington-residents#mortgage-lendersLink to https://dfi.wa.gov/homeownership/covid-19-mortgage-assistance-washington-residents#mortgage-lendersLink to https://dfi.wa.gov/homeownership/covid-19-mortgage-assistance-washington-residents#mortgage-lendersLink to https://dfi.wa.gov/homeownership/covid-19-mortgage-assistance-washington-residents#mortgage-lendersLink to https://dfi.wa.gov/homeownership/covid-19-mortgage-assistance-washington-residents#mortgage-lendersLink to https://dfi.wa.gov/homeownership/covid-19-mortgage-assistance-washington-residents#mortgage-lendersLink to https://dfi.wa.gov/homeownership/covid-19-mortgage-assistance-washington-residents#mortgage-lendersLink to https://dfi.wa.gov/homeownership/covid-19-mortgage-assistance-washington-residents#mortgage-lendersLink to https://dfi.wa.gov/homeownership/covid-19-mortgage-assistance-washington-residents#mortgage-lendersLink to https://dfi.wa.gov/homeownership/covid-19-mortgage-assistance-washington-residents#mortgage-lendersLink to https://dfi.wa.gov/homeownership/covid-19-mortgage-assistance-washington-residents#mortgage-lendersLink to https://dfi.wa.gov/homeownership/covid-19-mortgage-assistance-washington-residents#mortgage-lendersLink to https://dfi.wa.gov/homeownership/covid-19-mortgage-assistance-washington-residents#mortgage-lendersLink to https://dfi.wa.gov/homeownership/covid-19-mortgage-assistance-washington-residents#mortgage-lendersLink to https://dfi.wa.gov/homeownership/covid-19-mortgage-assistance-washington-residents#mortgage-lendersLink to https://dfi.wa.gov/homeownership/covid-19-mortgage-assistance-washington-residents#mortgage-lendersLink to https://dfi.wa.gov/homeownership/covid-19-mortgage-assistance-washington-residents#mortgage-lendersLink to https://dfi.wa.gov/homeownership/covid-19-mortgage-assistance-washington-residents#mortgage-lendersLink to https://dfi.wa.gov/homeownership/covid-19-mortgage-assistance-washington-residents#mortgage-lendersLink to https://dfi.wa.gov/homeownership/covid-19-mortgage-assistance-washington-residents#mortgage-lendersLink to https://dfi.wa.gov/homeownership/covid-19-mortgage-assistance-washington-residents#mortgage-lendersLink to https://dfi.wa.gov/homeownership/covid-19-mortgage-assistance-washington-residents#mortgage-lendersLink to https://dfi.wa.gov/homeownership/covid-19-mortgage-assistance-washington-residents#mortgage-lendersLink to https://dfi.wa.gov/homeownership/covid-19-mortgage-assistance-washington-residents#mortgage-lendersLink to https://dfi.wa.gov/homeownership/covid-19-mortgage-assistance-washington-residents#mortgage-lendersLink to https://dfi.wa.gov/homeownership/covid-19-mortgage-assistance-washington-residents#mortgage-lendersLink to https://dfi.wa.gov/homeownership/covid-19-mortgage-assistance-washington-residents#mortgage-lendersLink to https://dfi.wa.gov/homeownership/covid-19-mortgage-assistance-washington-residents#mortgage-lendersClick here to review that sub-page. Thus, if your organization has special programs you are offering to borrowers over and above the federally-backed programs, you may want to contact the DFI to be included in its materials. The Governor also announced an extension of his “Stay Home, Stay Healthy” Order to May 4, 2020. Link to https://www.governor.wa.gov/news-media/inslee-extends-stay-home-stay-healthy-through-may-4Link to https://www.governor.wa.gov/news-media/inslee-extends-stay-home-stay-healthy-through-may-4Link to https://www.governor.wa.gov/news-media/inslee-extends-stay-home-stay-healthy-through-may-4Link to https://www.governor.wa.gov/news-media/inslee-extends-stay-home-stay-healthy-through-may-4Link to https://www.governor.wa.gov/news-media/inslee-extends-stay-home-stay-healthy-through-may-4Link to https://www.governor.wa.gov/news-media/inslee-extends-stay-home-stay-healthy-through-may-4Link to https://www.governor.wa.gov/news-media/inslee-extends-stay-home-stay-healthy-through-may-4Link to https://www.governor.wa.gov/news-media/inslee-extends-stay-home-stay-healthy-through-may-4Link to https://www.governor.wa.gov/news-media/inslee-extends-stay-home-stay-healthy-through-may-4Link to https://www.governor.wa.gov/news-media/inslee-extends-stay-home-stay-healthy-through-may-4Link to https://www.governor.wa.gov/news-media/inslee-extends-stay-home-stay-healthy-through-may-4Link to https://www.governor.wa.gov/news-media/inslee-extends-stay-home-stay-healthy-through-may-4Link to https://www.governor.wa.gov/news-media/inslee-extends-stay-home-stay-healthy-through-may-4Link to https://www.governor.wa.gov/news-media/inslee-extends-stay-home-stay-healthy-through-may-4Link to https://www.governor.wa.gov/news-media/inslee-extends-stay-home-stay-healthy-through-may-4Link to https://www.governor.wa.gov/news-media/inslee-extends-stay-home-stay-healthy-through-may-4Link to https://www.governor.wa.gov/news-media/inslee-extends-stay-home-stay-healthy-through-may-4Link to https://www.governor.wa.gov/news-media/inslee-extends-stay-home-stay-healthy-through-may-4Link to https://www.governor.wa.gov/news-media/inslee-extends-stay-home-stay-healthy-through-may-4Link to https://www.governor.wa.gov/news-media/inslee-extends-stay-home-stay-healthy-through-may-4Link to https://www.governor.wa.gov/news-media/inslee-extends-stay-home-stay-healthy-through-may-4Link to https://www.governor.wa.gov/news-media/inslee-extends-stay-home-stay-healthy-through-may-4Link to https://www.governor.wa.gov/news-media/inslee-extends-stay-home-stay-healthy-through-may-4Link to https://www.governor.wa.gov/news-media/inslee-extends-stay-home-stay-healthy-through-may-4Link to https://www.governor.wa.gov/news-media/inslee-extends-stay-home-stay-healthy-through-may-4Link to https://www.governor.wa.gov/news-media/inslee-extends-stay-home-stay-healthy-through-may-4Link to https://www.governor.wa.gov/news-media/inslee-extends-stay-home-stay-healthy-through-may-4Link to https://www.governor.wa.gov/news-media/inslee-extends-stay-home-stay-healthy-through-may-4Link to https://www.governor.wa.gov/news-media/inslee-extends-stay-home-stay-healthy-through-may-4Link to https://www.governor.wa.gov/news-media/inslee-extends-stay-home-stay-healthy-through-may-4Link to https://www.governor.wa.gov/news-media/inslee-extends-stay-home-stay-healthy-through-may-4Link to https://www.governor.wa.gov/news-media/inslee-extends-stay-home-stay-healthy-through-may-4Link to https://www.governor.wa.gov/news-media/inslee-extends-stay-home-stay-healthy-through-may-4Link to https://www.governor.wa.gov/news-media/inslee-extends-stay-home-stay-healthy-through-may-4Link to https://www.governor.wa.gov/news-media/inslee-extends-stay-home-stay-healthy-through-may-4Link to https://www.governor.wa.gov/news-media/inslee-extends-stay-home-stay-healthy-through-may-4Link to https://www.governor.wa.gov/news-media/inslee-extends-stay-home-stay-healthy-through-may-4Link to https://www.governor.wa.gov/news-media/inslee-extends-stay-home-stay-healthy-through-may-4Link to https://www.governor.wa.gov/news-media/inslee-extends-stay-home-stay-healthy-through-may-4Link to https://www.governor.wa.gov/news-media/inslee-extends-stay-home-stay-healthy-through-may-4Link to https://www.governor.wa.gov/news-media/inslee-extends-stay-home-stay-healthy-through-may-4Link to https://www.governor.wa.gov/news-media/inslee-extends-stay-home-stay-healthy-through-may-4Link to https://www.governor.wa.gov/news-media/inslee-extends-stay-home-stay-healthy-through-may-4Link to https://www.governor.wa.gov/news-media/inslee-extends-stay-home-stay-healthy-through-may-4Link to https://www.governor.wa.gov/news-media/inslee-extends-stay-home-stay-healthy-through-may-4Link to https://www.governor.wa.gov/news-media/inslee-extends-stay-home-stay-healthy-through-may-4Link to https://www.governor.wa.gov/news-media/inslee-extends-stay-home-stay-healthy-through-may-4Link to https://www.governor.wa.gov/news-media/inslee-extends-stay-home-stay-healthy-through-may-4Link to https://www.governor.wa.gov/news-media/inslee-extends-stay-home-stay-healthy-through-may-4Link to https://www.governor.wa.gov/news-media/inslee-extends-stay-home-stay-healthy-through-may-4Link to https://www.governor.wa.gov/news-media/inslee-extends-stay-home-stay-healthy-through-may-4Link to https://www.governor.wa.gov/news-media/inslee-extends-stay-home-stay-healthy-through-may-4Link to https://www.governor.wa.gov/news-media/inslee-extends-stay-home-stay-healthy-through-may-4Link to https://www.governor.wa.gov/news-media/inslee-extends-stay-home-stay-healthy-through-may-4Link to https://www.governor.wa.gov/news-media/inslee-extends-stay-home-stay-healthy-through-may-4Link to https://www.governor.wa.gov/news-media/inslee-extends-stay-home-stay-healthy-through-may-4Link to https://www.governor.wa.gov/news-media/inslee-extends-stay-home-stay-healthy-through-may-4Link to https://www.governor.wa.gov/news-media/inslee-extends-stay-home-stay-healthy-through-may-4Link to https://www.governor.wa.gov/news-media/inslee-extends-stay-home-stay-healthy-through-may-4Click here to review a link to the new release.

Oregon’s Governor Issues Additional Executive Order
On April 1, 2020, Oregon’s Governor issued the attached Executive Order 20-13, which includes the following expanded protections for tenants relevant to our clients:

  • Extends existing eviction moratorium to commercial properties
  • Sheriffs cannot serve any document or take any action as to residential properties related to non-payment
  • For non-residential properties, the reason for non-payment must be COVID-related, and the tenant is to provide the landlord, “within 30 calendar days of unpaid rent being due, with documentation or other evidence that nonpayment is caused by, in whole or in part, directly or indirectly, the COVID-19 pandemic. Acceptable documentation or other evidence includes, without limitation, proof of loss of income due to any governmental restrictions imposed to mitigate the spread of COVID-19.”
  • Can still evict for defaults other than non-payment, although it is unlikely that an Oregon court is willing to hear the matter based on current limited court schedules as specified in the attached Chief Justice Order 20-006 issued March 27, 2020.

Link to https://www.oregon.gov/gov/admin/Pages/eo_20-13.aspxLink to https://www.oregon.gov/gov/admin/Pages/eo_20-13.aspxLink to https://www.oregon.gov/gov/admin/Pages/eo_20-13.aspxLink to https://www.oregon.gov/gov/admin/Pages/eo_20-13.aspxLink to https://www.oregon.gov/gov/admin/Pages/eo_20-13.aspxLink to https://www.oregon.gov/gov/admin/Pages/eo_20-13.aspxLink to https://www.oregon.gov/gov/admin/Pages/eo_20-13.aspxLink to https://www.oregon.gov/gov/admin/Pages/eo_20-13.aspxLink to https://www.oregon.gov/gov/admin/Pages/eo_20-13.aspxLink to https://www.oregon.gov/gov/admin/Pages/eo_20-13.aspxLink to https://www.oregon.gov/gov/admin/Pages/eo_20-13.aspxLink to https://www.oregon.gov/gov/admin/Pages/eo_20-13.aspxLink to https://www.oregon.gov/gov/admin/Pages/eo_20-13.aspxLink to https://www.oregon.gov/gov/admin/Pages/eo_20-13.aspxLink to https://www.oregon.gov/gov/admin/Pages/eo_20-13.aspxLink to https://www.oregon.gov/gov/admin/Pages/eo_20-13.aspxLink to https://www.oregon.gov/gov/admin/Pages/eo_20-13.aspxLink to https://www.oregon.gov/gov/admin/Pages/eo_20-13.aspxLink to https://www.oregon.gov/gov/admin/Pages/eo_20-13.aspxLink to https://www.oregon.gov/gov/admin/Pages/eo_20-13.aspxLink to https://www.oregon.gov/gov/admin/Pages/eo_20-13.aspxLink to https://www.oregon.gov/gov/admin/Pages/eo_20-13.aspxLink to https://www.oregon.gov/gov/admin/Pages/eo_20-13.aspxLink to https://www.oregon.gov/gov/admin/Pages/eo_20-13.aspxLink to https://www.oregon.gov/gov/admin/Pages/eo_20-13.aspxLink to https://www.oregon.gov/gov/admin/Pages/eo_20-13.aspxLink to https://www.oregon.gov/gov/admin/Pages/eo_20-13.aspxLink to https://www.oregon.gov/gov/admin/Pages/eo_20-13.aspxLink to https://www.oregon.gov/gov/admin/Pages/eo_20-13.aspxLink to https://www.oregon.gov/gov/admin/Pages/eo_20-13.aspxLink to https://www.oregon.gov/gov/admin/Pages/eo_20-13.aspxLink to https://www.oregon.gov/gov/admin/Pages/eo_20-13.aspxLink to https://www.oregon.gov/gov/admin/Pages/eo_20-13.aspxLink to https://www.oregon.gov/gov/admin/Pages/eo_20-13.aspxLink to https://www.oregon.gov/gov/admin/Pages/eo_20-13.aspxLink to https://www.oregon.gov/gov/admin/Pages/eo_20-13.aspxLink to https://www.oregon.gov/gov/admin/Pages/eo_20-13.aspxLink to https://www.oregon.gov/gov/admin/Pages/eo_20-13.aspxLink to https://www.oregon.gov/gov/admin/Pages/eo_20-13.aspxLink to https://www.oregon.gov/gov/admin/Pages/eo_20-13.aspxLink to https://www.oregon.gov/gov/admin/Pages/eo_20-13.aspxLink to https://www.oregon.gov/gov/admin/Pages/eo_20-13.aspxLink to https://www.oregon.gov/gov/admin/Pages/eo_20-13.aspxLink to https://www.oregon.gov/gov/admin/Pages/eo_20-13.aspxLink to https://www.oregon.gov/gov/admin/Pages/eo_20-13.aspxLink to https://www.oregon.gov/gov/admin/Pages/eo_20-13.aspxLink to https://www.oregon.gov/gov/admin/Pages/eo_20-13.aspxLink to https://www.oregon.gov/gov/admin/Pages/eo_20-13.aspxLink to https://www.oregon.gov/gov/admin/Pages/eo_20-13.aspxLink to https://www.oregon.gov/gov/admin/Pages/eo_20-13.aspxLink to https://www.oregon.gov/gov/admin/Pages/eo_20-13.aspxLink to https://www.oregon.gov/gov/admin/Pages/eo_20-13.aspxLink to https://www.oregon.gov/gov/admin/Pages/eo_20-13.aspxLink to https://www.oregon.gov/gov/admin/Pages/eo_20-13.aspxLink to https://www.oregon.gov/gov/admin/Pages/eo_20-13.aspxLink to https://www.oregon.gov/gov/admin/Pages/eo_20-13.aspxLink to https://www.oregon.gov/gov/admin/Pages/eo_20-13.aspxLink to https://www.oregon.gov/gov/admin/Pages/eo_20-13.aspxLink to https://www.oregon.gov/gov/admin/Pages/eo_20-13.aspxClick here to review a copy of the Order.

City of Los Angeles Updates
On March 30, Mayor Garcetti ordered a rent freeze on all rentals subject to Los Angeles Rent Stabilization Ordinance (“LARSO”). The order impacts any rent increases planned for April 1 for LARSO-covered properties, and the prohibition extends through the end of the Emergency Declaration. Link to https://www.lamayor.org/sites/g/files/wph446/f/page/file/20200330MayorPublicOrderSuspendingRSORentIncreasesLA.pdfLink to https://www.lamayor.org/sites/g/files/wph446/f/page/file/20200330MayorPublicOrderSuspendingRSORentIncreasesLA.pdfLink to https://www.lamayor.org/sites/g/files/wph446/f/page/file/20200330MayorPublicOrderSuspendingRSORentIncreasesLA.pdfLink to https://www.lamayor.org/sites/g/files/wph446/f/page/file/20200330MayorPublicOrderSuspendingRSORentIncreasesLA.pdfLink to https://www.lamayor.org/sites/g/files/wph446/f/page/file/20200330MayorPublicOrderSuspendingRSORentIncreasesLA.pdfLink to https://www.lamayor.org/sites/g/files/wph446/f/page/file/20200330MayorPublicOrderSuspendingRSORentIncreasesLA.pdfLink to https://www.lamayor.org/sites/g/files/wph446/f/page/file/20200330MayorPublicOrderSuspendingRSORentIncreasesLA.pdfLink to https://www.lamayor.org/sites/g/files/wph446/f/page/file/20200330MayorPublicOrderSuspendingRSORentIncreasesLA.pdfLink to https://www.lamayor.org/sites/g/files/wph446/f/page/file/20200330MayorPublicOrderSuspendingRSORentIncreasesLA.pdfLink to https://www.lamayor.org/sites/g/files/wph446/f/page/file/20200330MayorPublicOrderSuspendingRSORentIncreasesLA.pdfLink to https://www.lamayor.org/sites/g/files/wph446/f/page/file/20200330MayorPublicOrderSuspendingRSORentIncreasesLA.pdfLink to https://www.lamayor.org/sites/g/files/wph446/f/page/file/20200330MayorPublicOrderSuspendingRSORentIncreasesLA.pdfLink to https://www.lamayor.org/sites/g/files/wph446/f/page/file/20200330MayorPublicOrderSuspendingRSORentIncreasesLA.pdfLink to https://www.lamayor.org/sites/g/files/wph446/f/page/file/20200330MayorPublicOrderSuspendingRSORentIncreasesLA.pdfLink to https://www.lamayor.org/sites/g/files/wph446/f/page/file/20200330MayorPublicOrderSuspendingRSORentIncreasesLA.pdfLink to https://www.lamayor.org/sites/g/files/wph446/f/page/file/20200330MayorPublicOrderSuspendingRSORentIncreasesLA.pdfLink to https://www.lamayor.org/sites/g/files/wph446/f/page/file/20200330MayorPublicOrderSuspendingRSORentIncreasesLA.pdfLink to https://www.lamayor.org/sites/g/files/wph446/f/page/file/20200330MayorPublicOrderSuspendingRSORentIncreasesLA.pdfLink to https://www.lamayor.org/sites/g/files/wph446/f/page/file/20200330MayorPublicOrderSuspendingRSORentIncreasesLA.pdfLink to https://www.lamayor.org/sites/g/files/wph446/f/page/file/20200330MayorPublicOrderSuspendingRSORentIncreasesLA.pdfLink to https://www.lamayor.org/sites/g/files/wph446/f/page/file/20200330MayorPublicOrderSuspendingRSORentIncreasesLA.pdfLink to https://www.lamayor.org/sites/g/files/wph446/f/page/file/20200330MayorPublicOrderSuspendingRSORentIncreasesLA.pdfLink to https://www.lamayor.org/sites/g/files/wph446/f/page/file/20200330MayorPublicOrderSuspendingRSORentIncreasesLA.pdfLink to https://www.lamayor.org/sites/g/files/wph446/f/page/file/20200330MayorPublicOrderSuspendingRSORentIncreasesLA.pdfLink to https://www.lamayor.org/sites/g/files/wph446/f/page/file/20200330MayorPublicOrderSuspendingRSORentIncreasesLA.pdfLink to https://www.lamayor.org/sites/g/files/wph446/f/page/file/20200330MayorPublicOrderSuspendingRSORentIncreasesLA.pdfLink to https://www.lamayor.org/sites/g/files/wph446/f/page/file/20200330MayorPublicOrderSuspendingRSORentIncreasesLA.pdfLink to https://www.lamayor.org/sites/g/files/wph446/f/page/file/20200330MayorPublicOrderSuspendingRSORentIncreasesLA.pdfLink to https://www.lamayor.org/sites/g/files/wph446/f/page/file/20200330MayorPublicOrderSuspendingRSORentIncreasesLA.pdfLink to https://www.lamayor.org/sites/g/files/wph446/f/page/file/20200330MayorPublicOrderSuspendingRSORentIncreasesLA.pdfLink to https://www.lamayor.org/sites/g/files/wph446/f/page/file/20200330MayorPublicOrderSuspendingRSORentIncreasesLA.pdfLink to https://www.lamayor.org/sites/g/files/wph446/f/page/file/20200330MayorPublicOrderSuspendingRSORentIncreasesLA.pdfLink to https://www.lamayor.org/sites/g/files/wph446/f/page/file/20200330MayorPublicOrderSuspendingRSORentIncreasesLA.pdfLink to https://www.lamayor.org/sites/g/files/wph446/f/page/file/20200330MayorPublicOrderSuspendingRSORentIncreasesLA.pdfLink to https://www.lamayor.org/sites/g/files/wph446/f/page/file/20200330MayorPublicOrderSuspendingRSORentIncreasesLA.pdfLink to https://www.lamayor.org/sites/g/files/wph446/f/page/file/20200330MayorPublicOrderSuspendingRSORentIncreasesLA.pdfLink to https://www.lamayor.org/sites/g/files/wph446/f/page/file/20200330MayorPublicOrderSuspendingRSORentIncreasesLA.pdfLink to https://www.lamayor.org/sites/g/files/wph446/f/page/file/20200330MayorPublicOrderSuspendingRSORentIncreasesLA.pdfLink to https://www.lamayor.org/sites/g/files/wph446/f/page/file/20200330MayorPublicOrderSuspendingRSORentIncreasesLA.pdfLink to https://www.lamayor.org/sites/g/files/wph446/f/page/file/20200330MayorPublicOrderSuspendingRSORentIncreasesLA.pdfLink to https://www.lamayor.org/sites/g/files/wph446/f/page/file/20200330MayorPublicOrderSuspendingRSORentIncreasesLA.pdfLink to https://www.lamayor.org/sites/g/files/wph446/f/page/file/20200330MayorPublicOrderSuspendingRSORentIncreasesLA.pdfLink to https://www.lamayor.org/sites/g/files/wph446/f/page/file/20200330MayorPublicOrderSuspendingRSORentIncreasesLA.pdfLink to https://www.lamayor.org/sites/g/files/wph446/f/page/file/20200330MayorPublicOrderSuspendingRSORentIncreasesLA.pdfLink to https://www.lamayor.org/sites/g/files/wph446/f/page/file/20200330MayorPublicOrderSuspendingRSORentIncreasesLA.pdfLink to https://www.lamayor.org/sites/g/files/wph446/f/page/file/20200330MayorPublicOrderSuspendingRSORentIncreasesLA.pdfLink to https://www.lamayor.org/sites/g/files/wph446/f/page/file/20200330MayorPublicOrderSuspendingRSORentIncreasesLA.pdfLink to https://www.lamayor.org/sites/g/files/wph446/f/page/file/20200330MayorPublicOrderSuspendingRSORentIncreasesLA.pdfLink to https://www.lamayor.org/sites/g/files/wph446/f/page/file/20200330MayorPublicOrderSuspendingRSORentIncreasesLA.pdfLink to https://www.lamayor.org/sites/g/files/wph446/f/page/file/20200330MayorPublicOrderSuspendingRSORentIncreasesLA.pdfLink to https://www.lamayor.org/sites/g/files/wph446/f/page/file/20200330MayorPublicOrderSuspendingRSORentIncreasesLA.pdfLink to https://www.lamayor.org/sites/g/files/wph446/f/page/file/20200330MayorPublicOrderSuspendingRSORentIncreasesLA.pdfLink to https://www.lamayor.org/sites/g/files/wph446/f/page/file/20200330MayorPublicOrderSuspendingRSORentIncreasesLA.pdfLink to https://www.lamayor.org/sites/g/files/wph446/f/page/file/20200330MayorPublicOrderSuspendingRSORentIncreasesLA.pdfLink to https://www.lamayor.org/sites/g/files/wph446/f/page/file/20200330MayorPublicOrderSuspendingRSORentIncreasesLA.pdfLink to https://www.lamayor.org/sites/g/files/wph446/f/page/file/20200330MayorPublicOrderSuspendingRSORentIncreasesLA.pdfLink to https://www.lamayor.org/sites/g/files/wph446/f/page/file/20200330MayorPublicOrderSuspendingRSORentIncreasesLA.pdfLink to https://www.lamayor.org/sites/g/files/wph446/f/page/file/20200330MayorPublicOrderSuspendingRSORentIncreasesLA.pdfLink to https://www.lamayor.org/sites/g/files/wph446/f/page/file/20200330MayorPublicOrderSuspendingRSORentIncreasesLA.pdfClick here to review a copy of the Order.

The Los Angeles City Council approved an emergency ordinance temporarily banning evictions for renters who are unable to pay rent because of the virus. The council also waived late fees and allowed residential renters to make up late payments for up to a year after the expiration of the emergency order and commercial renters 3 months. Council members, however, rejected a blanket ban on all evictions during the pandemic, and all back rent must still be paid. The Ordinance No. 20-0147-S19 is effective March 31, 2020 and provides protection during the locally-declared COVID-19 emergency. Link to https://hcidla.lacity.org/covid-19-eviction-moratoriumLink to https://hcidla.lacity.org/covid-19-eviction-moratoriumLink to https://hcidla.lacity.org/covid-19-eviction-moratoriumLink to https://hcidla.lacity.org/covid-19-eviction-moratoriumLink to https://hcidla.lacity.org/covid-19-eviction-moratoriumLink to https://hcidla.lacity.org/covid-19-eviction-moratoriumLink to https://hcidla.lacity.org/covid-19-eviction-moratoriumLink to https://hcidla.lacity.org/covid-19-eviction-moratoriumLink to https://hcidla.lacity.org/covid-19-eviction-moratoriumLink to https://hcidla.lacity.org/covid-19-eviction-moratoriumLink to https://hcidla.lacity.org/covid-19-eviction-moratoriumLink to https://hcidla.lacity.org/covid-19-eviction-moratoriumLink to https://hcidla.lacity.org/covid-19-eviction-moratoriumLink to https://hcidla.lacity.org/covid-19-eviction-moratoriumLink to https://hcidla.lacity.org/covid-19-eviction-moratoriumLink to https://hcidla.lacity.org/covid-19-eviction-moratoriumLink to https://hcidla.lacity.org/covid-19-eviction-moratoriumLink to https://hcidla.lacity.org/covid-19-eviction-moratoriumLink to https://hcidla.lacity.org/covid-19-eviction-moratoriumLink to https://hcidla.lacity.org/covid-19-eviction-moratoriumLink to https://hcidla.lacity.org/covid-19-eviction-moratoriumLink to https://hcidla.lacity.org/covid-19-eviction-moratoriumLink to https://hcidla.lacity.org/covid-19-eviction-moratoriumLink to https://hcidla.lacity.org/covid-19-eviction-moratoriumLink to https://hcidla.lacity.org/covid-19-eviction-moratoriumLink to https://hcidla.lacity.org/covid-19-eviction-moratoriumLink to https://hcidla.lacity.org/covid-19-eviction-moratoriumLink to https://hcidla.lacity.org/covid-19-eviction-moratoriumLink to https://hcidla.lacity.org/covid-19-eviction-moratoriumLink to https://hcidla.lacity.org/covid-19-eviction-moratoriumLink to https://hcidla.lacity.org/covid-19-eviction-moratoriumLink to https://hcidla.lacity.org/covid-19-eviction-moratoriumLink to https://hcidla.lacity.org/covid-19-eviction-moratoriumLink to https://hcidla.lacity.org/covid-19-eviction-moratoriumLink to https://hcidla.lacity.org/covid-19-eviction-moratoriumLink to https://hcidla.lacity.org/covid-19-eviction-moratoriumLink to https://hcidla.lacity.org/covid-19-eviction-moratoriumLink to https://hcidla.lacity.org/covid-19-eviction-moratoriumLink to https://hcidla.lacity.org/covid-19-eviction-moratoriumLink to https://hcidla.lacity.org/covid-19-eviction-moratoriumLink to https://hcidla.lacity.org/covid-19-eviction-moratoriumLink to https://hcidla.lacity.org/covid-19-eviction-moratoriumLink to https://hcidla.lacity.org/covid-19-eviction-moratoriumLink to https://hcidla.lacity.org/covid-19-eviction-moratoriumLink to https://hcidla.lacity.org/covid-19-eviction-moratoriumLink to https://hcidla.lacity.org/covid-19-eviction-moratoriumLink to https://hcidla.lacity.org/covid-19-eviction-moratoriumLink to https://hcidla.lacity.org/covid-19-eviction-moratoriumLink to https://hcidla.lacity.org/covid-19-eviction-moratoriumLink to https://hcidla.lacity.org/covid-19-eviction-moratoriumLink to https://hcidla.lacity.org/covid-19-eviction-moratoriumLink to https://hcidla.lacity.org/covid-19-eviction-moratoriumLink to https://hcidla.lacity.org/covid-19-eviction-moratoriumLink to https://hcidla.lacity.org/covid-19-eviction-moratoriumLink to https://hcidla.lacity.org/covid-19-eviction-moratoriumLink to https://hcidla.lacity.org/covid-19-eviction-moratoriumLink to https://hcidla.lacity.org/covid-19-eviction-moratoriumLink to https://hcidla.lacity.org/covid-19-eviction-moratoriumLink to https://hcidla.lacity.org/covid-19-eviction-moratoriumClick here to review a summary of the provisions and protections in the Ordinance and Link to http://clkrep.lacity.org/onlinedocs/2020/20-0147-S19_ORD_186585_03-31-2020.pdfLink to http://clkrep.lacity.org/onlinedocs/2020/20-0147-S19_ORD_186585_03-31-2020.pdfLink to http://clkrep.lacity.org/onlinedocs/2020/20-0147-S19_ORD_186585_03-31-2020.pdfLink to http://clkrep.lacity.org/onlinedocs/2020/20-0147-S19_ORD_186585_03-31-2020.pdfLink to http://clkrep.lacity.org/onlinedocs/2020/20-0147-S19_ORD_186585_03-31-2020.pdfLink to http://clkrep.lacity.org/onlinedocs/2020/20-0147-S19_ORD_186585_03-31-2020.pdfLink to http://clkrep.lacity.org/onlinedocs/2020/20-0147-S19_ORD_186585_03-31-2020.pdfLink to http://clkrep.lacity.org/onlinedocs/2020/20-0147-S19_ORD_186585_03-31-2020.pdfLink to http://clkrep.lacity.org/onlinedocs/2020/20-0147-S19_ORD_186585_03-31-2020.pdfLink to http://clkrep.lacity.org/onlinedocs/2020/20-0147-S19_ORD_186585_03-31-2020.pdfLink to http://clkrep.lacity.org/onlinedocs/2020/20-0147-S19_ORD_186585_03-31-2020.pdfLink to http://clkrep.lacity.org/onlinedocs/2020/20-0147-S19_ORD_186585_03-31-2020.pdfLink to http://clkrep.lacity.org/onlinedocs/2020/20-0147-S19_ORD_186585_03-31-2020.pdfLink to http://clkrep.lacity.org/onlinedocs/2020/20-0147-S19_ORD_186585_03-31-2020.pdfLink to http://clkrep.lacity.org/onlinedocs/2020/20-0147-S19_ORD_186585_03-31-2020.pdfLink to http://clkrep.lacity.org/onlinedocs/2020/20-0147-S19_ORD_186585_03-31-2020.pdfLink to http://clkrep.lacity.org/onlinedocs/2020/20-0147-S19_ORD_186585_03-31-2020.pdfLink to http://clkrep.lacity.org/onlinedocs/2020/20-0147-S19_ORD_186585_03-31-2020.pdfLink to http://clkrep.lacity.org/onlinedocs/2020/20-0147-S19_ORD_186585_03-31-2020.pdfLink to http://clkrep.lacity.org/onlinedocs/2020/20-0147-S19_ORD_186585_03-31-2020.pdfLink to http://clkrep.lacity.org/onlinedocs/2020/20-0147-S19_ORD_186585_03-31-2020.pdfLink to http://clkrep.lacity.org/onlinedocs/2020/20-0147-S19_ORD_186585_03-31-2020.pdfLink to http://clkrep.lacity.org/onlinedocs/2020/20-0147-S19_ORD_186585_03-31-2020.pdfLink to http://clkrep.lacity.org/onlinedocs/2020/20-0147-S19_ORD_186585_03-31-2020.pdfLink to http://clkrep.lacity.org/onlinedocs/2020/20-0147-S19_ORD_186585_03-31-2020.pdfLink to http://clkrep.lacity.org/onlinedocs/2020/20-0147-S19_ORD_186585_03-31-2020.pdfLink to http://clkrep.lacity.org/onlinedocs/2020/20-0147-S19_ORD_186585_03-31-2020.pdfLink to http://clkrep.lacity.org/onlinedocs/2020/20-0147-S19_ORD_186585_03-31-2020.pdfLink to http://clkrep.lacity.org/onlinedocs/2020/20-0147-S19_ORD_186585_03-31-2020.pdfLink to http://clkrep.lacity.org/onlinedocs/2020/20-0147-S19_ORD_186585_03-31-2020.pdfLink to http://clkrep.lacity.org/onlinedocs/2020/20-0147-S19_ORD_186585_03-31-2020.pdfLink to http://clkrep.lacity.org/onlinedocs/2020/20-0147-S19_ORD_186585_03-31-2020.pdfLink to http://clkrep.lacity.org/onlinedocs/2020/20-0147-S19_ORD_186585_03-31-2020.pdfLink to http://clkrep.lacity.org/onlinedocs/2020/20-0147-S19_ORD_186585_03-31-2020.pdfLink to http://clkrep.lacity.org/onlinedocs/2020/20-0147-S19_ORD_186585_03-31-2020.pdfLink to http://clkrep.lacity.org/onlinedocs/2020/20-0147-S19_ORD_186585_03-31-2020.pdfLink to http://clkrep.lacity.org/onlinedocs/2020/20-0147-S19_ORD_186585_03-31-2020.pdfLink to http://clkrep.lacity.org/onlinedocs/2020/20-0147-S19_ORD_186585_03-31-2020.pdfLink to http://clkrep.lacity.org/onlinedocs/2020/20-0147-S19_ORD_186585_03-31-2020.pdfLink to http://clkrep.lacity.org/onlinedocs/2020/20-0147-S19_ORD_186585_03-31-2020.pdfLink to http://clkrep.lacity.org/onlinedocs/2020/20-0147-S19_ORD_186585_03-31-2020.pdfLink to http://clkrep.lacity.org/onlinedocs/2020/20-0147-S19_ORD_186585_03-31-2020.pdfLink to http://clkrep.lacity.org/onlinedocs/2020/20-0147-S19_ORD_186585_03-31-2020.pdfLink to http://clkrep.lacity.org/onlinedocs/2020/20-0147-S19_ORD_186585_03-31-2020.pdfLink to http://clkrep.lacity.org/onlinedocs/2020/20-0147-S19_ORD_186585_03-31-2020.pdfLink to http://clkrep.lacity.org/onlinedocs/2020/20-0147-S19_ORD_186585_03-31-2020.pdfLink to http://clkrep.lacity.org/onlinedocs/2020/20-0147-S19_ORD_186585_03-31-2020.pdfLink to http://clkrep.lacity.org/onlinedocs/2020/20-0147-S19_ORD_186585_03-31-2020.pdfLink to http://clkrep.lacity.org/onlinedocs/2020/20-0147-S19_ORD_186585_03-31-2020.pdfLink to http://clkrep.lacity.org/onlinedocs/2020/20-0147-S19_ORD_186585_03-31-2020.pdfLink to http://clkrep.lacity.org/onlinedocs/2020/20-0147-S19_ORD_186585_03-31-2020.pdfLink to http://clkrep.lacity.org/onlinedocs/2020/20-0147-S19_ORD_186585_03-31-2020.pdfLink to http://clkrep.lacity.org/onlinedocs/2020/20-0147-S19_ORD_186585_03-31-2020.pdfLink to http://clkrep.lacity.org/onlinedocs/2020/20-0147-S19_ORD_186585_03-31-2020.pdfLink to http://clkrep.lacity.org/onlinedocs/2020/20-0147-S19_ORD_186585_03-31-2020.pdfLink to http://clkrep.lacity.org/onlinedocs/2020/20-0147-S19_ORD_186585_03-31-2020.pdfLink to http://clkrep.lacity.org/onlinedocs/2020/20-0147-S19_ORD_186585_03-31-2020.pdfLink to http://clkrep.lacity.org/onlinedocs/2020/20-0147-S19_ORD_186585_03-31-2020.pdfLink to http://clkrep.lacity.org/onlinedocs/2020/20-0147-S19_ORD_186585_03-31-2020.pdfclick here to review the text of the ordinance.

Updates on Court Operations Limitations and Closures
Link to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfClick here to see an updated chart identifying information and website links for the status of Court Closures and Operations Limitations for the states of Arizona, California, Nevada, Oregon, Utah and Washington.

Due to the constantly changing situation, the above and the attached may not be a comprehensive list of closures and impacts. Keep checking this website for the latest developments in our states. If you have additional questions or concerns regarding these important matters, please feel free to contact Link to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netRobin Wright, Link to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netMichelle Mierzwa or Link to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netRobert Finlay.


Wright, Finlay & Zak's COVID-19 Update: April 2, 2020

April 2, 2020

As with our prior notifications regarding the impact of COVID-19-related issues, the situation continues to be fluid when it comes to servicing of loans, the management of default and REO assets and litigation in the court systems. Below is an update on the latest state and local developments throughout the Western U.S. In addition, this update also includes an update on HUD Loss Mitigation Guidelines. As with all our updates, please keep in mind that additional orders and directives are being considered and issued by state and local jurisdictions as we speak, and we will continue to monitor all channels to provide you with updated information as it becomes available. Thanks, everyone.

HUD Issues New Guidelines for Loss Mitigation Alternatives following CARES Act
On April 1, 2020, the U.S. Department of Housing and Urban Development issued Mortgagee Letter 2020-06, including updates regarding available loss mitigation alternatives as specified by the federal CARES Act (H.R. 748). As previously reported, the CARES Act requires servicers of federally-backed* (including HUD/FHA) 1 to 4 family residential mortgage loans to allow borrowers to request up to six months of loan payment forbearance if impacted directly or indirectly by COVID-19, and thereafter another six months, as needed. The Mortgagee Letter provides guidance regarding the available forbearance and introduces the “COVID-19 National Emergency Standalone Partial Claim” for eligible borrowers following the term of COVID-19 forbearance programs. In addition, the Mortgagee Letter includes specific guidance and options for extensions of due and payable terms relevant to Home Equity Conversion Mortgages (“HECM”). *Federally-backed mortgage loans under the CARES Act include Fannie Mae, Freddie Mac, FHA/HUD, VA and FHA-insured loans. This term is a narrower subset of loans than “federally-related loans” as governed by the CFPB Servicing Rules. Link to https://www.hud.gov/sites/dfiles/OCHCO/documents/20-06hsngml.pdfLink to https://www.hud.gov/sites/dfiles/OCHCO/documents/20-06hsngml.pdfLink to https://www.hud.gov/sites/dfiles/OCHCO/documents/20-06hsngml.pdfLink to https://www.hud.gov/sites/dfiles/OCHCO/documents/20-06hsngml.pdfLink to https://www.hud.gov/sites/dfiles/OCHCO/documents/20-06hsngml.pdfLink to https://www.hud.gov/sites/dfiles/OCHCO/documents/20-06hsngml.pdfLink to https://www.hud.gov/sites/dfiles/OCHCO/documents/20-06hsngml.pdfLink to https://www.hud.gov/sites/dfiles/OCHCO/documents/20-06hsngml.pdfLink to https://www.hud.gov/sites/dfiles/OCHCO/documents/20-06hsngml.pdfLink to https://www.hud.gov/sites/dfiles/OCHCO/documents/20-06hsngml.pdfLink to https://www.hud.gov/sites/dfiles/OCHCO/documents/20-06hsngml.pdfLink to https://www.hud.gov/sites/dfiles/OCHCO/documents/20-06hsngml.pdfLink to https://www.hud.gov/sites/dfiles/OCHCO/documents/20-06hsngml.pdfLink to https://www.hud.gov/sites/dfiles/OCHCO/documents/20-06hsngml.pdfLink to https://www.hud.gov/sites/dfiles/OCHCO/documents/20-06hsngml.pdfLink to https://www.hud.gov/sites/dfiles/OCHCO/documents/20-06hsngml.pdfLink to https://www.hud.gov/sites/dfiles/OCHCO/documents/20-06hsngml.pdfLink to https://www.hud.gov/sites/dfiles/OCHCO/documents/20-06hsngml.pdfLink to https://www.hud.gov/sites/dfiles/OCHCO/documents/20-06hsngml.pdfLink to https://www.hud.gov/sites/dfiles/OCHCO/documents/20-06hsngml.pdfLink to https://www.hud.gov/sites/dfiles/OCHCO/documents/20-06hsngml.pdfLink to https://www.hud.gov/sites/dfiles/OCHCO/documents/20-06hsngml.pdfLink to https://www.hud.gov/sites/dfiles/OCHCO/documents/20-06hsngml.pdfLink to https://www.hud.gov/sites/dfiles/OCHCO/documents/20-06hsngml.pdfLink to https://www.hud.gov/sites/dfiles/OCHCO/documents/20-06hsngml.pdfLink to https://www.hud.gov/sites/dfiles/OCHCO/documents/20-06hsngml.pdfLink to https://www.hud.gov/sites/dfiles/OCHCO/documents/20-06hsngml.pdfLink to https://www.hud.gov/sites/dfiles/OCHCO/documents/20-06hsngml.pdfLink to https://www.hud.gov/sites/dfiles/OCHCO/documents/20-06hsngml.pdfLink to https://www.hud.gov/sites/dfiles/OCHCO/documents/20-06hsngml.pdfLink to https://www.hud.gov/sites/dfiles/OCHCO/documents/20-06hsngml.pdfLink to https://www.hud.gov/sites/dfiles/OCHCO/documents/20-06hsngml.pdfLink to https://www.hud.gov/sites/dfiles/OCHCO/documents/20-06hsngml.pdfLink to https://www.hud.gov/sites/dfiles/OCHCO/documents/20-06hsngml.pdfLink to https://www.hud.gov/sites/dfiles/OCHCO/documents/20-06hsngml.pdfLink to https://www.hud.gov/sites/dfiles/OCHCO/documents/20-06hsngml.pdfLink to https://www.hud.gov/sites/dfiles/OCHCO/documents/20-06hsngml.pdfLink to https://www.hud.gov/sites/dfiles/OCHCO/documents/20-06hsngml.pdfLink to https://www.hud.gov/sites/dfiles/OCHCO/documents/20-06hsngml.pdfLink to https://www.hud.gov/sites/dfiles/OCHCO/documents/20-06hsngml.pdfLink to https://www.hud.gov/sites/dfiles/OCHCO/documents/20-06hsngml.pdfLink to https://www.hud.gov/sites/dfiles/OCHCO/documents/20-06hsngml.pdfLink to https://www.hud.gov/sites/dfiles/OCHCO/documents/20-06hsngml.pdfLink to https://www.hud.gov/sites/dfiles/OCHCO/documents/20-06hsngml.pdfLink to https://www.hud.gov/sites/dfiles/OCHCO/documents/20-06hsngml.pdfLink to https://www.hud.gov/sites/dfiles/OCHCO/documents/20-06hsngml.pdfLink to https://www.hud.gov/sites/dfiles/OCHCO/documents/20-06hsngml.pdfLink to https://www.hud.gov/sites/dfiles/OCHCO/documents/20-06hsngml.pdfLink to https://www.hud.gov/sites/dfiles/OCHCO/documents/20-06hsngml.pdfLink to https://www.hud.gov/sites/dfiles/OCHCO/documents/20-06hsngml.pdfLink to https://www.hud.gov/sites/dfiles/OCHCO/documents/20-06hsngml.pdfLink to https://www.hud.gov/sites/dfiles/OCHCO/documents/20-06hsngml.pdfLink to https://www.hud.gov/sites/dfiles/OCHCO/documents/20-06hsngml.pdfLink to https://www.hud.gov/sites/dfiles/OCHCO/documents/20-06hsngml.pdfLink to https://www.hud.gov/sites/dfiles/OCHCO/documents/20-06hsngml.pdfLink to https://www.hud.gov/sites/dfiles/OCHCO/documents/20-06hsngml.pdfLink to https://www.hud.gov/sites/dfiles/OCHCO/documents/20-06hsngml.pdfLink to https://www.hud.gov/sites/dfiles/OCHCO/documents/20-06hsngml.pdfLink to https://www.hud.gov/sites/dfiles/OCHCO/documents/20-06hsngml.pdfLink to https://www.hud.gov/sites/dfiles/OCHCO/documents/20-06hsngml.pdfLink to https://www.hud.gov/sites/dfiles/OCHCO/documents/20-06hsngml.pdfLink to https://www.hud.gov/sites/dfiles/OCHCO/documents/20-06hsngml.pdfClick here to review a copy of the Mortgagee Letter.

Nevada Issues Updated Guidance on Evictions and Financial Institutions
As previously reported, on March 29, 2020, Nevada’s Governor issued a Directive prohibiting Evictions (as specified). On March 29, 2020, the Governor also issued updated guidance to clarify some aspects of the Directive regarding Evictions. The guidance prohibits landlord self-help actions outside of the legal eviction process and applies the eviction moratorium to small businesses as well as homeowners. Among other things, the guidance confirms that leases and rental agreements are not terminated and both landlords (for repairs) and tenants (for rent) remain obligated to perform. Finally, the guidance provides that the Directive “applies to all evictions, including those already filed in the courts, except if those previously filed evictions were initiated due to the tenant posing some (non-COVID related) danger to other tenants or the public, criminal activity, or property damage.” This last section of the Directive appears to directly conflict with Section 4 of the Governor’s March 29, 2020 Directive 008 which provides: “No provision contained in this Directive shall be construed [t]o prohibit the continuation of any eviction or foreclosure action or proceeding predating the March 12, 2020 Declaration of Emergency.” Due to this conflict and the stated intent of the Directive in the supplemental guidance, the most prudent approach is to place all eviction proceedings on hold that do not involve health/safety/criminal issues. For the avoidance of doubt, the Governor’s guidance provides: “The overarching goal here is to keep people at home, and any attempt to get around this Directive will be dealt with harshly.” [Emphasis added.] Link to /documents/covid19/NV-Governor-Guidance-re-March-29-Eviction-Order.pdfLink to /documents/covid19/NV-Governor-Guidance-re-March-29-Eviction-Order.pdfLink to /documents/covid19/NV-Governor-Guidance-re-March-29-Eviction-Order.pdfLink to /documents/covid19/NV-Governor-Guidance-re-March-29-Eviction-Order.pdfLink to /documents/covid19/NV-Governor-Guidance-re-March-29-Eviction-Order.pdfLink to /documents/covid19/NV-Governor-Guidance-re-March-29-Eviction-Order.pdfLink to /documents/covid19/NV-Governor-Guidance-re-March-29-Eviction-Order.pdfLink to /documents/covid19/NV-Governor-Guidance-re-March-29-Eviction-Order.pdfLink to /documents/covid19/NV-Governor-Guidance-re-March-29-Eviction-Order.pdfLink to /documents/covid19/NV-Governor-Guidance-re-March-29-Eviction-Order.pdfLink to /documents/covid19/NV-Governor-Guidance-re-March-29-Eviction-Order.pdfLink to /documents/covid19/NV-Governor-Guidance-re-March-29-Eviction-Order.pdfLink to /documents/covid19/NV-Governor-Guidance-re-March-29-Eviction-Order.pdfLink to /documents/covid19/NV-Governor-Guidance-re-March-29-Eviction-Order.pdfLink to /documents/covid19/NV-Governor-Guidance-re-March-29-Eviction-Order.pdfLink to /documents/covid19/NV-Governor-Guidance-re-March-29-Eviction-Order.pdfLink to /documents/covid19/NV-Governor-Guidance-re-March-29-Eviction-Order.pdfLink to /documents/covid19/NV-Governor-Guidance-re-March-29-Eviction-Order.pdfLink to /documents/covid19/NV-Governor-Guidance-re-March-29-Eviction-Order.pdfLink to /documents/covid19/NV-Governor-Guidance-re-March-29-Eviction-Order.pdfLink to /documents/covid19/NV-Governor-Guidance-re-March-29-Eviction-Order.pdfLink to /documents/covid19/NV-Governor-Guidance-re-March-29-Eviction-Order.pdfLink to /documents/covid19/NV-Governor-Guidance-re-March-29-Eviction-Order.pdfLink to /documents/covid19/NV-Governor-Guidance-re-March-29-Eviction-Order.pdfLink to /documents/covid19/NV-Governor-Guidance-re-March-29-Eviction-Order.pdfLink to /documents/covid19/NV-Governor-Guidance-re-March-29-Eviction-Order.pdfLink to /documents/covid19/NV-Governor-Guidance-re-March-29-Eviction-Order.pdfLink to /documents/covid19/NV-Governor-Guidance-re-March-29-Eviction-Order.pdfLink to /documents/covid19/NV-Governor-Guidance-re-March-29-Eviction-Order.pdfLink to /documents/covid19/NV-Governor-Guidance-re-March-29-Eviction-Order.pdfLink to /documents/covid19/NV-Governor-Guidance-re-March-29-Eviction-Order.pdfLink to /documents/covid19/NV-Governor-Guidance-re-March-29-Eviction-Order.pdfLink to /documents/covid19/NV-Governor-Guidance-re-March-29-Eviction-Order.pdfLink to /documents/covid19/NV-Governor-Guidance-re-March-29-Eviction-Order.pdfLink to 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/documents/covid19/NV-Governor-Guidance-re-March-29-Eviction-Order.pdfLink to /documents/covid19/NV-Governor-Guidance-re-March-29-Eviction-Order.pdfLink to /documents/covid19/NV-Governor-Guidance-re-March-29-Eviction-Order.pdfLink to /documents/covid19/NV-Governor-Guidance-re-March-29-Eviction-Order.pdfClick here to review a copy of the “Gov. Sisolak Guidance: Directive 008 – Evictions” is attached.

Also, as previously reported in Nevada, on March 27, 2020, the Division of Mortgage Lending (“DML”) issued correspondence providing guidance to licensees relating to loan servicing during the COVID-19 pandemic. On March 30, 2020 the DML issued updated correspondence, including an extension of the recommended payment forbearance, foreclosure moratorium, credit reporting relief and fee waivers to 90 days instead of 60. As noted previously, the DML correspondence “urges” licensees to provide the described relief, but it is not mandatory. However, the Governor’s Order dated March 29, 2020 prohibiting foreclosure and eviction activity and mortgage and lease late charges during the declared emergency IS mandatory. We know these separate orders and regulatory agency correspondence can be confusing, so please do not hesitate to reach out if you have any questions regarding the interplay between these items a applied to your servicing operations. Link to /documents/covid19/NV-DML-Guidance-updated-March-30.pdfLink to /documents/covid19/NV-DML-Guidance-updated-March-30.pdfLink to /documents/covid19/NV-DML-Guidance-updated-March-30.pdfLink to /documents/covid19/NV-DML-Guidance-updated-March-30.pdfLink to /documents/covid19/NV-DML-Guidance-updated-March-30.pdfLink to /documents/covid19/NV-DML-Guidance-updated-March-30.pdfLink to /documents/covid19/NV-DML-Guidance-updated-March-30.pdfLink to /documents/covid19/NV-DML-Guidance-updated-March-30.pdfLink to /documents/covid19/NV-DML-Guidance-updated-March-30.pdfLink to /documents/covid19/NV-DML-Guidance-updated-March-30.pdfLink to /documents/covid19/NV-DML-Guidance-updated-March-30.pdfLink to /documents/covid19/NV-DML-Guidance-updated-March-30.pdfLink to /documents/covid19/NV-DML-Guidance-updated-March-30.pdfLink to /documents/covid19/NV-DML-Guidance-updated-March-30.pdfLink to /documents/covid19/NV-DML-Guidance-updated-March-30.pdfLink to /documents/covid19/NV-DML-Guidance-updated-March-30.pdfLink to /documents/covid19/NV-DML-Guidance-updated-March-30.pdfLink to /documents/covid19/NV-DML-Guidance-updated-March-30.pdfLink to /documents/covid19/NV-DML-Guidance-updated-March-30.pdfLink to /documents/covid19/NV-DML-Guidance-updated-March-30.pdfLink to /documents/covid19/NV-DML-Guidance-updated-March-30.pdfLink to /documents/covid19/NV-DML-Guidance-updated-March-30.pdfLink to /documents/covid19/NV-DML-Guidance-updated-March-30.pdfLink to /documents/covid19/NV-DML-Guidance-updated-March-30.pdfLink to /documents/covid19/NV-DML-Guidance-updated-March-30.pdfLink to /documents/covid19/NV-DML-Guidance-updated-March-30.pdfLink to /documents/covid19/NV-DML-Guidance-updated-March-30.pdfLink to /documents/covid19/NV-DML-Guidance-updated-March-30.pdfLink to /documents/covid19/NV-DML-Guidance-updated-March-30.pdfLink to /documents/covid19/NV-DML-Guidance-updated-March-30.pdfLink to /documents/covid19/NV-DML-Guidance-updated-March-30.pdfLink to /documents/covid19/NV-DML-Guidance-updated-March-30.pdfLink to /documents/covid19/NV-DML-Guidance-updated-March-30.pdfLink to /documents/covid19/NV-DML-Guidance-updated-March-30.pdfLink to /documents/covid19/NV-DML-Guidance-updated-March-30.pdfLink to /documents/covid19/NV-DML-Guidance-updated-March-30.pdfLink to /documents/covid19/NV-DML-Guidance-updated-March-30.pdfLink to /documents/covid19/NV-DML-Guidance-updated-March-30.pdfLink to /documents/covid19/NV-DML-Guidance-updated-March-30.pdfLink to /documents/covid19/NV-DML-Guidance-updated-March-30.pdfLink to /documents/covid19/NV-DML-Guidance-updated-March-30.pdfLink to /documents/covid19/NV-DML-Guidance-updated-March-30.pdfLink to /documents/covid19/NV-DML-Guidance-updated-March-30.pdfLink to /documents/covid19/NV-DML-Guidance-updated-March-30.pdfLink to /documents/covid19/NV-DML-Guidance-updated-March-30.pdfLink to /documents/covid19/NV-DML-Guidance-updated-March-30.pdfLink to /documents/covid19/NV-DML-Guidance-updated-March-30.pdfLink to /documents/covid19/NV-DML-Guidance-updated-March-30.pdfLink to /documents/covid19/NV-DML-Guidance-updated-March-30.pdfLink to /documents/covid19/NV-DML-Guidance-updated-March-30.pdfLink to /documents/covid19/NV-DML-Guidance-updated-March-30.pdfLink to /documents/covid19/NV-DML-Guidance-updated-March-30.pdfLink to /documents/covid19/NV-DML-Guidance-updated-March-30.pdfLink to /documents/covid19/NV-DML-Guidance-updated-March-30.pdfLink to /documents/covid19/NV-DML-Guidance-updated-March-30.pdfLink to /documents/covid19/NV-DML-Guidance-updated-March-30.pdfLink to /documents/covid19/NV-DML-Guidance-updated-March-30.pdfLink to /documents/covid19/NV-DML-Guidance-updated-March-30.pdfLink to /documents/covid19/NV-DML-Guidance-updated-March-30.pdfLink to /documents/covid19/NV-DML-Guidance-updated-March-30.pdfLink to /documents/covid19/NV-DML-Guidance-updated-March-30.pdfLink to /documents/covid19/NV-DML-Guidance-updated-March-30.pdfClick here to review a copy of the March 30, 2020 DML correspondence.

Utah and Salt Lake County Issue COVID-related Orders
On March 27, 2020, Utah’s Governor issued a Coronavirus Directive to “Stay Safe, Stay Home”, establishing minimum statewide standards effective through April 13, 2020. The Directive provided guidelines: (1) for individuals to stay home, work from home, and engage in social distancing and preventive hygiene habits; (2) with additional limiting guidelines for high risk individuals over 60 or with serious underlying medical conditions; (3) limiting education and dining outside the home; and (4) limiting non-essential travel and congregation in public or outdoor locations. The Directive does not limit conduct of particular business except to comply with work-from home, social distancing and gathering protocols to the extent possible and limit activity to that essential to maintain critical operations. On April 1, 2020 the Governor issued an Executive Order instituting a moratorium on residential evictions through May 15, 2020 for tenants who were current on rent payment in March and have been directly impacted by COVID-19 with respect to wage or job loss, personal diagnosis or quarantine. The Order clarifies that a tenant remains responsible for payment of rent pursuant to the rental agreement, and rent is not forgiven.

Link to https://drive.google.com/file/d/1Qey2xIxAEqIxiiAHJyHSxBosmjetkbN7/viewLink to https://drive.google.com/file/d/1Qey2xIxAEqIxiiAHJyHSxBosmjetkbN7/viewLink to https://drive.google.com/file/d/1Qey2xIxAEqIxiiAHJyHSxBosmjetkbN7/viewLink to https://drive.google.com/file/d/1Qey2xIxAEqIxiiAHJyHSxBosmjetkbN7/viewLink to https://drive.google.com/file/d/1Qey2xIxAEqIxiiAHJyHSxBosmjetkbN7/viewLink to https://drive.google.com/file/d/1Qey2xIxAEqIxiiAHJyHSxBosmjetkbN7/viewLink to https://drive.google.com/file/d/1Qey2xIxAEqIxiiAHJyHSxBosmjetkbN7/viewLink to https://drive.google.com/file/d/1Qey2xIxAEqIxiiAHJyHSxBosmjetkbN7/viewLink to https://drive.google.com/file/d/1Qey2xIxAEqIxiiAHJyHSxBosmjetkbN7/viewLink to https://drive.google.com/file/d/1Qey2xIxAEqIxiiAHJyHSxBosmjetkbN7/viewLink to https://drive.google.com/file/d/1Qey2xIxAEqIxiiAHJyHSxBosmjetkbN7/viewLink to https://drive.google.com/file/d/1Qey2xIxAEqIxiiAHJyHSxBosmjetkbN7/viewLink to https://drive.google.com/file/d/1Qey2xIxAEqIxiiAHJyHSxBosmjetkbN7/viewLink to https://drive.google.com/file/d/1Qey2xIxAEqIxiiAHJyHSxBosmjetkbN7/viewLink to https://drive.google.com/file/d/1Qey2xIxAEqIxiiAHJyHSxBosmjetkbN7/viewLink to https://drive.google.com/file/d/1Qey2xIxAEqIxiiAHJyHSxBosmjetkbN7/viewLink to https://drive.google.com/file/d/1Qey2xIxAEqIxiiAHJyHSxBosmjetkbN7/viewLink to https://drive.google.com/file/d/1Qey2xIxAEqIxiiAHJyHSxBosmjetkbN7/viewLink to https://drive.google.com/file/d/1Qey2xIxAEqIxiiAHJyHSxBosmjetkbN7/viewLink to https://drive.google.com/file/d/1Qey2xIxAEqIxiiAHJyHSxBosmjetkbN7/viewLink to https://drive.google.com/file/d/1Qey2xIxAEqIxiiAHJyHSxBosmjetkbN7/viewLink to https://drive.google.com/file/d/1Qey2xIxAEqIxiiAHJyHSxBosmjetkbN7/viewLink to https://drive.google.com/file/d/1Qey2xIxAEqIxiiAHJyHSxBosmjetkbN7/viewLink to https://drive.google.com/file/d/1Qey2xIxAEqIxiiAHJyHSxBosmjetkbN7/viewLink to https://drive.google.com/file/d/1Qey2xIxAEqIxiiAHJyHSxBosmjetkbN7/viewLink to https://drive.google.com/file/d/1Qey2xIxAEqIxiiAHJyHSxBosmjetkbN7/viewLink to https://drive.google.com/file/d/1Qey2xIxAEqIxiiAHJyHSxBosmjetkbN7/viewLink to https://drive.google.com/file/d/1Qey2xIxAEqIxiiAHJyHSxBosmjetkbN7/viewLink to https://drive.google.com/file/d/1Qey2xIxAEqIxiiAHJyHSxBosmjetkbN7/viewLink to https://drive.google.com/file/d/1Qey2xIxAEqIxiiAHJyHSxBosmjetkbN7/viewLink to https://drive.google.com/file/d/1Qey2xIxAEqIxiiAHJyHSxBosmjetkbN7/viewLink to https://drive.google.com/file/d/1Qey2xIxAEqIxiiAHJyHSxBosmjetkbN7/viewLink to https://drive.google.com/file/d/1Qey2xIxAEqIxiiAHJyHSxBosmjetkbN7/viewLink to https://drive.google.com/file/d/1Qey2xIxAEqIxiiAHJyHSxBosmjetkbN7/viewLink to https://drive.google.com/file/d/1Qey2xIxAEqIxiiAHJyHSxBosmjetkbN7/viewLink to https://drive.google.com/file/d/1Qey2xIxAEqIxiiAHJyHSxBosmjetkbN7/viewLink to https://drive.google.com/file/d/1Qey2xIxAEqIxiiAHJyHSxBosmjetkbN7/viewLink to https://drive.google.com/file/d/1Qey2xIxAEqIxiiAHJyHSxBosmjetkbN7/viewLink to https://drive.google.com/file/d/1Qey2xIxAEqIxiiAHJyHSxBosmjetkbN7/viewLink to https://drive.google.com/file/d/1Qey2xIxAEqIxiiAHJyHSxBosmjetkbN7/viewLink to https://drive.google.com/file/d/1Qey2xIxAEqIxiiAHJyHSxBosmjetkbN7/viewLink to https://drive.google.com/file/d/1Qey2xIxAEqIxiiAHJyHSxBosmjetkbN7/viewLink to https://drive.google.com/file/d/1Qey2xIxAEqIxiiAHJyHSxBosmjetkbN7/viewLink to https://drive.google.com/file/d/1Qey2xIxAEqIxiiAHJyHSxBosmjetkbN7/viewLink to https://drive.google.com/file/d/1Qey2xIxAEqIxiiAHJyHSxBosmjetkbN7/viewLink to https://drive.google.com/file/d/1Qey2xIxAEqIxiiAHJyHSxBosmjetkbN7/viewLink to https://drive.google.com/file/d/1Qey2xIxAEqIxiiAHJyHSxBosmjetkbN7/viewLink to https://drive.google.com/file/d/1Qey2xIxAEqIxiiAHJyHSxBosmjetkbN7/viewLink to https://drive.google.com/file/d/1Qey2xIxAEqIxiiAHJyHSxBosmjetkbN7/viewLink to https://drive.google.com/file/d/1Qey2xIxAEqIxiiAHJyHSxBosmjetkbN7/viewLink to https://drive.google.com/file/d/1Qey2xIxAEqIxiiAHJyHSxBosmjetkbN7/viewLink to https://drive.google.com/file/d/1Qey2xIxAEqIxiiAHJyHSxBosmjetkbN7/viewLink to https://drive.google.com/file/d/1Qey2xIxAEqIxiiAHJyHSxBosmjetkbN7/viewLink to https://drive.google.com/file/d/1Qey2xIxAEqIxiiAHJyHSxBosmjetkbN7/viewLink to https://drive.google.com/file/d/1Qey2xIxAEqIxiiAHJyHSxBosmjetkbN7/viewLink to https://drive.google.com/file/d/1Qey2xIxAEqIxiiAHJyHSxBosmjetkbN7/viewLink to https://drive.google.com/file/d/1Qey2xIxAEqIxiiAHJyHSxBosmjetkbN7/viewLink to https://drive.google.com/file/d/1Qey2xIxAEqIxiiAHJyHSxBosmjetkbN7/viewLink to https://drive.google.com/file/d/1Qey2xIxAEqIxiiAHJyHSxBosmjetkbN7/viewLink to https://drive.google.com/file/d/1Qey2xIxAEqIxiiAHJyHSxBosmjetkbN7/viewLink to https://drive.google.com/file/d/1Qey2xIxAEqIxiiAHJyHSxBosmjetkbN7/viewLink to https://drive.google.com/file/d/1Qey2xIxAEqIxiiAHJyHSxBosmjetkbN7/viewClick here to review a copy of the above-referenced Directive. Link to https://drive.google.com/file/d/1DIvfcaMeSeUhfNmzr-3Cwo3DyZQZIO2l/viewLink to https://drive.google.com/file/d/1DIvfcaMeSeUhfNmzr-3Cwo3DyZQZIO2l/viewLink to https://drive.google.com/file/d/1DIvfcaMeSeUhfNmzr-3Cwo3DyZQZIO2l/viewLink to https://drive.google.com/file/d/1DIvfcaMeSeUhfNmzr-3Cwo3DyZQZIO2l/viewLink to https://drive.google.com/file/d/1DIvfcaMeSeUhfNmzr-3Cwo3DyZQZIO2l/viewLink to https://drive.google.com/file/d/1DIvfcaMeSeUhfNmzr-3Cwo3DyZQZIO2l/viewLink to https://drive.google.com/file/d/1DIvfcaMeSeUhfNmzr-3Cwo3DyZQZIO2l/viewLink to https://drive.google.com/file/d/1DIvfcaMeSeUhfNmzr-3Cwo3DyZQZIO2l/viewLink to https://drive.google.com/file/d/1DIvfcaMeSeUhfNmzr-3Cwo3DyZQZIO2l/viewLink to https://drive.google.com/file/d/1DIvfcaMeSeUhfNmzr-3Cwo3DyZQZIO2l/viewLink to https://drive.google.com/file/d/1DIvfcaMeSeUhfNmzr-3Cwo3DyZQZIO2l/viewLink to https://drive.google.com/file/d/1DIvfcaMeSeUhfNmzr-3Cwo3DyZQZIO2l/viewLink to https://drive.google.com/file/d/1DIvfcaMeSeUhfNmzr-3Cwo3DyZQZIO2l/viewLink to https://drive.google.com/file/d/1DIvfcaMeSeUhfNmzr-3Cwo3DyZQZIO2l/viewLink to https://drive.google.com/file/d/1DIvfcaMeSeUhfNmzr-3Cwo3DyZQZIO2l/viewLink to https://drive.google.com/file/d/1DIvfcaMeSeUhfNmzr-3Cwo3DyZQZIO2l/viewLink to https://drive.google.com/file/d/1DIvfcaMeSeUhfNmzr-3Cwo3DyZQZIO2l/viewLink to https://drive.google.com/file/d/1DIvfcaMeSeUhfNmzr-3Cwo3DyZQZIO2l/viewLink to https://drive.google.com/file/d/1DIvfcaMeSeUhfNmzr-3Cwo3DyZQZIO2l/viewLink to https://drive.google.com/file/d/1DIvfcaMeSeUhfNmzr-3Cwo3DyZQZIO2l/viewLink to https://drive.google.com/file/d/1DIvfcaMeSeUhfNmzr-3Cwo3DyZQZIO2l/viewLink to https://drive.google.com/file/d/1DIvfcaMeSeUhfNmzr-3Cwo3DyZQZIO2l/viewLink to https://drive.google.com/file/d/1DIvfcaMeSeUhfNmzr-3Cwo3DyZQZIO2l/viewLink to https://drive.google.com/file/d/1DIvfcaMeSeUhfNmzr-3Cwo3DyZQZIO2l/viewLink to https://drive.google.com/file/d/1DIvfcaMeSeUhfNmzr-3Cwo3DyZQZIO2l/viewLink to https://drive.google.com/file/d/1DIvfcaMeSeUhfNmzr-3Cwo3DyZQZIO2l/viewLink to https://drive.google.com/file/d/1DIvfcaMeSeUhfNmzr-3Cwo3DyZQZIO2l/viewLink to https://drive.google.com/file/d/1DIvfcaMeSeUhfNmzr-3Cwo3DyZQZIO2l/viewLink to https://drive.google.com/file/d/1DIvfcaMeSeUhfNmzr-3Cwo3DyZQZIO2l/viewLink to https://drive.google.com/file/d/1DIvfcaMeSeUhfNmzr-3Cwo3DyZQZIO2l/viewLink to https://drive.google.com/file/d/1DIvfcaMeSeUhfNmzr-3Cwo3DyZQZIO2l/viewLink to https://drive.google.com/file/d/1DIvfcaMeSeUhfNmzr-3Cwo3DyZQZIO2l/viewLink to https://drive.google.com/file/d/1DIvfcaMeSeUhfNmzr-3Cwo3DyZQZIO2l/viewLink to https://drive.google.com/file/d/1DIvfcaMeSeUhfNmzr-3Cwo3DyZQZIO2l/viewLink to https://drive.google.com/file/d/1DIvfcaMeSeUhfNmzr-3Cwo3DyZQZIO2l/viewLink to https://drive.google.com/file/d/1DIvfcaMeSeUhfNmzr-3Cwo3DyZQZIO2l/viewLink to https://drive.google.com/file/d/1DIvfcaMeSeUhfNmzr-3Cwo3DyZQZIO2l/viewLink to https://drive.google.com/file/d/1DIvfcaMeSeUhfNmzr-3Cwo3DyZQZIO2l/viewLink to https://drive.google.com/file/d/1DIvfcaMeSeUhfNmzr-3Cwo3DyZQZIO2l/viewLink to https://drive.google.com/file/d/1DIvfcaMeSeUhfNmzr-3Cwo3DyZQZIO2l/viewLink to https://drive.google.com/file/d/1DIvfcaMeSeUhfNmzr-3Cwo3DyZQZIO2l/viewLink to https://drive.google.com/file/d/1DIvfcaMeSeUhfNmzr-3Cwo3DyZQZIO2l/viewLink to https://drive.google.com/file/d/1DIvfcaMeSeUhfNmzr-3Cwo3DyZQZIO2l/viewLink to https://drive.google.com/file/d/1DIvfcaMeSeUhfNmzr-3Cwo3DyZQZIO2l/viewLink to https://drive.google.com/file/d/1DIvfcaMeSeUhfNmzr-3Cwo3DyZQZIO2l/viewLink to https://drive.google.com/file/d/1DIvfcaMeSeUhfNmzr-3Cwo3DyZQZIO2l/viewLink to https://drive.google.com/file/d/1DIvfcaMeSeUhfNmzr-3Cwo3DyZQZIO2l/viewLink to https://drive.google.com/file/d/1DIvfcaMeSeUhfNmzr-3Cwo3DyZQZIO2l/viewLink to https://drive.google.com/file/d/1DIvfcaMeSeUhfNmzr-3Cwo3DyZQZIO2l/viewLink to https://drive.google.com/file/d/1DIvfcaMeSeUhfNmzr-3Cwo3DyZQZIO2l/viewLink to https://drive.google.com/file/d/1DIvfcaMeSeUhfNmzr-3Cwo3DyZQZIO2l/viewLink to https://drive.google.com/file/d/1DIvfcaMeSeUhfNmzr-3Cwo3DyZQZIO2l/viewLink to https://drive.google.com/file/d/1DIvfcaMeSeUhfNmzr-3Cwo3DyZQZIO2l/viewLink to https://drive.google.com/file/d/1DIvfcaMeSeUhfNmzr-3Cwo3DyZQZIO2l/viewLink to https://drive.google.com/file/d/1DIvfcaMeSeUhfNmzr-3Cwo3DyZQZIO2l/viewLink to https://drive.google.com/file/d/1DIvfcaMeSeUhfNmzr-3Cwo3DyZQZIO2l/viewLink to https://drive.google.com/file/d/1DIvfcaMeSeUhfNmzr-3Cwo3DyZQZIO2l/viewLink to https://drive.google.com/file/d/1DIvfcaMeSeUhfNmzr-3Cwo3DyZQZIO2l/viewLink to https://drive.google.com/file/d/1DIvfcaMeSeUhfNmzr-3Cwo3DyZQZIO2l/viewLink to https://drive.google.com/file/d/1DIvfcaMeSeUhfNmzr-3Cwo3DyZQZIO2l/viewLink to https://drive.google.com/file/d/1DIvfcaMeSeUhfNmzr-3Cwo3DyZQZIO2l/viewLink to https://drive.google.com/file/d/1DIvfcaMeSeUhfNmzr-3Cwo3DyZQZIO2l/viewClick here to review a copy of the Executive Order.

On March 29, 2020, Salt Lake County issued a Public Health Order, effective to April 13, 2020. The Order goes beyond the Governor’s Directive and expressly prohibits “all public and private gatherings of any number of people that are not part of a single household…” The Order also orders specific businesses to close, like public amusement parks, salons and spas. Similar to localities in other states, the Order references the CISA Critical Infrastructures Workers as exceptions to the Stay at Home directives. As a reminder, the CISA designates as essential “Financial Institutions and Services, Banks, credit unions, and other depository or lending institutions; currency exchanges, consumer lenders and pawn brokers; licensed financial service providers; insurance services; personnel necessary to perform essential functions at broker dealers and investment advisor offices” and “Professional services, such as legal or accounting services, insurance services, real estate services (including appraisal, home inspection and title services…”

Link to https://slco.org/globalassets/1-site-files/health/programs/covid/pho/pho3.pdfLink to https://slco.org/globalassets/1-site-files/health/programs/covid/pho/pho3.pdfLink to https://slco.org/globalassets/1-site-files/health/programs/covid/pho/pho3.pdfLink to https://slco.org/globalassets/1-site-files/health/programs/covid/pho/pho3.pdfLink to https://slco.org/globalassets/1-site-files/health/programs/covid/pho/pho3.pdfLink to https://slco.org/globalassets/1-site-files/health/programs/covid/pho/pho3.pdfLink to https://slco.org/globalassets/1-site-files/health/programs/covid/pho/pho3.pdfLink to https://slco.org/globalassets/1-site-files/health/programs/covid/pho/pho3.pdfLink to https://slco.org/globalassets/1-site-files/health/programs/covid/pho/pho3.pdfLink to https://slco.org/globalassets/1-site-files/health/programs/covid/pho/pho3.pdfLink to https://slco.org/globalassets/1-site-files/health/programs/covid/pho/pho3.pdfLink to 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https://slco.org/globalassets/1-site-files/health/programs/covid/pho/pho3.pdfLink to https://slco.org/globalassets/1-site-files/health/programs/covid/pho/pho3.pdfLink to https://slco.org/globalassets/1-site-files/health/programs/covid/pho/pho3.pdfLink to https://slco.org/globalassets/1-site-files/health/programs/covid/pho/pho3.pdfLink to https://slco.org/globalassets/1-site-files/health/programs/covid/pho/pho3.pdfLink to https://slco.org/globalassets/1-site-files/health/programs/covid/pho/pho3.pdfLink to https://slco.org/globalassets/1-site-files/health/programs/covid/pho/pho3.pdfLink to https://slco.org/globalassets/1-site-files/health/programs/covid/pho/pho3.pdfLink to https://slco.org/globalassets/1-site-files/health/programs/covid/pho/pho3.pdfLink to https://slco.org/globalassets/1-site-files/health/programs/covid/pho/pho3.pdfLink to https://slco.org/globalassets/1-site-files/health/programs/covid/pho/pho3.pdfLink to https://slco.org/globalassets/1-site-files/health/programs/covid/pho/pho3.pdfLink to https://slco.org/globalassets/1-site-files/health/programs/covid/pho/pho3.pdfLink to https://slco.org/globalassets/1-site-files/health/programs/covid/pho/pho3.pdfLink to https://slco.org/globalassets/1-site-files/health/programs/covid/pho/pho3.pdfLink to https://slco.org/globalassets/1-site-files/health/programs/covid/pho/pho3.pdfLink to https://slco.org/globalassets/1-site-files/health/programs/covid/pho/pho3.pdfLink to https://slco.org/globalassets/1-site-files/health/programs/covid/pho/pho3.pdfClick here to review a copy of the Order.

Updates on Court Operations Limitations and Closures
Link to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfClick here to see an updated chart identifying information and website links for the status of Court Closures and Operations Limitations for the states of Arizona, California, Nevada, Oregon, Utah and Washington.

Link to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfLink to /documents/covid19/COVID-19-Disruptions.pdfClick hereto see an updated chart identifying information and website links for the status of Court Closures and Operations Limitations for the states of Arizona, California, Nevada, Oregon, Utah and Washington.

Due to the constantly changing situation, the above and the attached may not be a comprehensive list of closures and impacts. Keep checking this website for the latest developments in our states. If you have additional questions or concerns regarding these important matters, please feel free to contact Link to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netRobin Wright, Link to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netLink to mailto:mmierzwa@wrightlegal.netMichelle Mierzwa or Link to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netLink to mailto:rfinlay@wrightlegal.netRobert Finlay.


Wright, Finlay & Zak's COVID-19 Update: April 1, 2020

April 1, 2020

As with our prior notifications regarding the impact of COVID-19-related issues, the situation continues to be fluid when it comes to servicing of loans, the management of default and REO assets and litigation in the court systems. Below is an update on the latest state and local developments throughout the Western U.S. In addition, this update also includes an update on Critical Infrastructure and Essential Businesses. As with all our updates, please keep in mind that additional orders and directives are being considered and issued by state and local jurisdictions as we speak, and we will continue to monitor all channels to provide you with updated information as it becomes available. Thanks, everyone.

Nevada Governor Issues Stay at Home Order

On March 31, 2020, Nevada’s Governor issued “Declaration of Emergency Directive 010 Stay at Home Order” effective through April 30, 2020. The Order extends the original March 12, 2020 Declaration of Emergency and all related orders. “All Nevadans are ordered to stay in their residences. Gathering of individuals outside the home is prohibited,” subject to a few exceptions for persons to:

  • Provide services, perform work necessary or obtain services from Essential Healthcare operations
  • Provide services or perform work necessary to the operations of Essential Infrastructure operations
  • Perform work necessary or obtain services or goods from other Essential Licensed Businesses
  • Engage in outdoor activity like hiking, walking and running in compliance with 6 foot distancing and only with household members
  • Persons experiencing homelessness are exempt

Link to /documents/covid19/NV-March-31-Stay-at-Home-Order-through-April-30.pdfLink to /documents/covid19/NV-March-31-Stay-at-Home-Order-through-April-30.pdfLink to /documents/covid19/NV-March-31-Stay-at-Home-Order-through-April-30.pdfLink to /documents/covid19/NV-March-31-Stay-at-Home-Order-through-April-30.pdfLink to /documents/covid19/NV-March-31-Stay-at-Home-Order-through-April-30.pdfLink to /documents/covid19/NV-March-31-Stay-at-Home-Order-through-April-30.pdfLink to /documents/covid19/NV-March-31-Stay-at-Home-Order-through-April-30.pdfLink to /documents/covid19/NV-March-31-Stay-at-Home-Order-through-April-30.pdfLink to /documents/covid19/NV-March-31-Stay-at-Home-Order-through-April-30.pdfLink to /documents/covid19/NV-March-31-Stay-at-Home-Order-through-April-30.pdfLink to /documents/covid19/NV-March-31-Stay-at-Home-Order-through-April-30.pdfLink to /documents/covid19/NV-March-31-Stay-at-Home-Order-through-April-30.pdfLink to /documents/covid19/NV-March-31-Stay-at-Home-Order-through-April-30.pdfLink to /documents/covid19/NV-March-31-Stay-at-Home-Order-through-April-30.pdfLink to /documents/covid19/NV-March-31-Stay-at-Home-Order-through-April-30.pdfLink to /documents/covid19/NV-March-31-Stay-at-Home-Order-through-April-30.pdfLink to /documents/covid19/NV-March-31-Stay-at-Home-Order-through-April-30.pdfLink to /documents/covid19/NV-March-31-Stay-at-Home-Order-through-April-30.pdfLink to /documents/covid19/NV-March-31-Stay-at-Home-Order-through-April-30.pdfLink to /documents/covid19/NV-March-31-Stay-at-Home-Order-through-April-30.pdfLink to /documents/covid19/NV-March-31-Stay-at-Home-Order-through-April-30.pdfLink to /documents/covid19/NV-March-31-Stay-at-Home-Order-through-April-30.pdfLink to /documents/covid19/NV-March-31-Stay-at-Home-Order-through-April-30.pdfLink to /documents/covid19/NV-March-31-Stay-at-Home-Order-through-April-30.pdfLink to /documents/covid19/NV-March-31-Stay-at-Home-Order-through-April-30.pdfLink to /documents/covid19/NV-March-31-Stay-at-Home-Order-through-April-30.pdfLink to /documents/covid19/NV-March-31-Stay-at-Home-Order-through-April-30.pdfLink to /documents/covid19/NV-March-31-Stay-at-Home-Order-through-April-30.pdfLink to /documents/covid19/NV-March-31-Stay-at-Home-Order-through-April-30.pdfLink to /documents/covid19/NV-March-31-Stay-at-Home-Order-through-April-30.pdfLink to /documents/covid19/NV-March-31-Stay-at-Home-Order-through-April-30.pdfLink to /documents/covid19/NV-March-31-Stay-at-Home-Order-through-April-30.pdfLink to /documents/covid19/NV-March-31-Stay-at-Home-Order-through-April-30.pdfLink to /documents/covid19/NV-March-31-Stay-at-Home-Order-through-April-30.pdfLink to /documents/covid19/NV-March-31-Stay-at-Home-Order-through-April-30.pdfLink to /documents/covid19/NV-March-31-Stay-at-Home-Order-through-April-30.pdfLink to /documents/covid19/NV-March-31-Stay-at-Home-Order-through-April-30.pdfLink to /documents/covid19/NV-March-31-Stay-at-Home-Order-through-April-30.pdfLink to /documents/covid19/NV-March-31-Stay-at-Home-Order-through-April-30.pdfLink to /documents/covid19/NV-March-31-Stay-at-Home-Order-through-April-30.pdfLink to /documents/covid19/NV-March-31-Stay-at-Home-Order-through-April-30.pdfLink to /documents/covid19/NV-March-31-Stay-at-Home-Order-through-April-30.pdfLink to /documents/covid19/NV-March-31-Stay-at-Home-Order-through-April-30.pdfLink to /documents/covid19/NV-March-31-Stay-at-Home-Order-through-April-30.pdfLink to /documents/covid19/NV-March-31-Stay-at-Home-Order-through-April-30.pdfLink to /documents/covid19/NV-March-31-Stay-at-Home-Order-through-April-30.pdfLink to /documents/covid19/NV-March-31-Stay-at-Home-Order-through-April-30.pdfLink to /documents/covid19/NV-March-31-Stay-at-Home-Order-through-April-30.pdfLink to /documents/covid19/NV-March-31-Stay-at-Home-Order-through-April-30.pdfLink to /documents/covid19/NV-March-31-Stay-at-Home-Order-through-April-30.pdfLink to /documents/covid19/NV-March-31-Stay-at-Home-Order-through-April-30.pdfLink to /documents/covid19/NV-March-31-Stay-at-Home-Order-through-April-30.pdfLink to /documents/covid19/NV-March-31-Stay-at-Home-Order-through-April-30.pdfLink to /documents/covid19/NV-March-31-Stay-at-Home-Order-through-April-30.pdfLink to /documents/covid19/NV-March-31-Stay-at-Home-Order-through-April-30.pdfLink to /documents/covid19/NV-March-31-Stay-at-Home-Order-through-April-30.pdfLink to /documents/covid19/NV-March-31-Stay-at-Home-Order-through-April-30.pdfLink to /documents/covid19/NV-March-31-Stay-at-Home-Order-through-April-30.pdfLink to /documents/covid19/NV-March-31-Stay-at-Home-Order-through-April-30.pdfLink to /documents/covid19/NV-March-31-Stay-at-Home-Order-through-April-30.pdfLink to /documents/covid19/NV-March-31-Stay-at-Home-Order-through-April-30.pdfLink to /documents/covid19/NV-March-31-Stay-at-Home-Order-through-April-30.pdfLink to /documents/covid19/NV-March-31-Stay-at-Home-Order-through-April-30.pdfLink to /documents/covid19/NV-March-31-Stay-at-Home-Order-through-April-30.pdfLink to /documents/covid19/NV-March-31-Stay-at-Home-Order-through-April-30.pdfLink to /documents/covid19/NV-March-31-Stay-at-Home-Order-through-April-30.pdfClick here to review a copy of the Order.

As a reminder, effective March 20, 2020, new sections of the Nevada Administrative Code were enacted to define Essential Licensed Businesses, and a few highlights of interest to our clients are the following:

NAC 414.XXX Business During Times of Declared Emergency (1) “Essential Licensed Business” means a business operating in the state of Nevada that provides:…(k) Banks and Financial Institutions;…(w) Professional or technical services including legal, accounting, tax, payroll, real estate and property management services;…” [Emphasis added.] However, “(3) All Essential Licensed Businesses must: (a) comply with social distancing guidance issued by the Centers for Disease Control and Prevention document entitled Implementation of Mitigation Strategies for Communities with Local COVID-19 Transmission, the Governor’s Medical Advisory Team, a Governor’s Directive, any other Nevada state regulatory agency or Board…”

CISA Issues Updated Guidance Regarding Critical Infrastructure Sectors During COVID-19 Response

As previously reported, the California Governor’s 3/19/20 Stay at Home Order requires “all individuals living in the State of California to stay home or at their place of residence except as needed to maintain continuity of operations of the federal critical infrastructure sectors as outlined at Link to https://www.cisa.gov/critical-infrastructure-sectorsLink to https://www.cisa.gov/critical-infrastructure-sectorsLink to https://www.cisa.gov/critical-infrastructure-sectorsLink to https://www.cisa.gov/critical-infrastructure-sectorsLink to https://www.cisa.gov/critical-infrastructure-sectorsLink to https://www.cisa.gov/critical-infrastructure-sectorsLink to https://www.cisa.gov/critical-infrastructure-sectorsLink to https://www.cisa.gov/critical-infrastructure-sectorsLink to https://www.cisa.gov/critical-infrastructure-sectorsLink to https://www.cisa.gov/critical-infrastructure-sectorsLink to https://www.cisa.gov/critical-infrastructure-sectorsLink to https://www.cisa.gov/critical-infrastructure-sectorsLink to https://www.cisa.gov/critical-infrastructure-sectorsLink to https://www.cisa.gov/critical-infrastructure-sectorsLink to https://www.cisa.gov/critical-infrastructure-sectorsLink to https://www.cisa.gov/critical-infrastructure-sectorsLink to https://www.cisa.gov/critical-infrastructure-sectorsLink to https://www.cisa.gov/critical-infrastructure-sectorsLink to https://www.cisa.gov/critical-infrastructure-sectorsLink to https://www.cisa.gov/critical-infrastructure-sectorsLink to https://www.cisa.gov/critical-infrastructure-sectorsLink to https://www.cisa.gov/critical-infrastructure-sectorsLink to https://www.cisa.gov/critical-infrastructure-sectorsLink to https://www.cisa.gov/critical-infrastructure-sectorsLink to https://www.cisa.gov/critical-infrastructure-sectorsLink to https://www.cisa.gov/critical-infrastructure-sectorsLink to https://www.cisa.gov/critical-infrastructure-sectorsLink to https://www.cisa.gov/critical-infrastructure-sectorsLink to https://www.cisa.gov/critical-infrastructure-sectorsLink to https://www.cisa.gov/critical-infrastructure-sectorsLink to https://www.cisa.gov/critical-infrastructure-sectorsLink to https://www.cisa.gov/critical-infrastructure-sectorsLink to https://www.cisa.gov/critical-infrastructure-sectorsLink to https://www.cisa.gov/critical-infrastructure-sectorsLink to https://www.cisa.gov/critical-infrastructure-sectorsLink to https://www.cisa.gov/critical-infrastructure-sectorsLink to https://www.cisa.gov/critical-infrastructure-sectorsLink to https://www.cisa.gov/critical-infrastructure-sectorsLink to https://www.cisa.gov/critical-infrastructure-sectorsLink to https://www.cisa.gov/critical-infrastructure-sectorsLink to https://www.cisa.gov/critical-infrastructure-sectorsLink to https://www.cisa.gov/critical-infrastructure-sectorsLink to https://www.cisa.gov/critical-infrastructure-sectorsLink to https://www.cisa.gov/critical-infrastructure-sectorsLink to https://www.cisa.gov/critical-infrastructure-sectorsLink to https://www.cisa.gov/critical-infrastructure-sectorsLink to https://www.cisa.gov/critical-infrastructure-sectorsLink to https://www.cisa.gov/critical-infrastructure-sectorsLink to https://www.cisa.gov/critical-infrastructure-sectorsLink to https://www.cisa.gov/critical-infrastructure-sectorsLink to https://www.cisa.gov/critical-infrastructure-sectorsLink to https://www.cisa.gov/critical-infrastructure-sectorsLink to https://www.cisa.gov/critical-infrastructure-sectorsLink to https://www.cisa.gov/critical-infrastructure-sectorsLink to https://www.cisa.gov/critical-infrastructure-sectorsLink to https://www.cisa.gov/critical-infrastructure-sectorsLink to https://www.cisa.gov/critical-infrastructure-sectorsLink to https://www.cisa.gov/critical-infrastructure-sectorsLink to https://www.cisa.gov/critical-infrastructure-sectorsLink to https://www.cisa.gov/critical-infrastructure-sectorsLink to https://www.cisa.gov/critical-infrastructure-sectorsLink to https://www.cisa.gov/critical-infrastructure-sectorsLink to https://www.cisa.gov/critical-infrastructure-sectorsLink to https://www.cisa.gov/critical-infrastructure-sectorsLink to https://www.cisa.gov/critical-infrastructure-sectorsvLink to https://www.cisa.gov/critical-infrastructure-sectorsvLink to https://urldefense.com/v3/__https:/www.cisa.gov/critical-infrastructure-sectors__;!!COskAx4!XhuUo2YS0TZn-oXiZ70nRms5Ilub3mYb481oHDI4yJZGi0ZLcenxh6FTdia_kh2nrIiRnA$https://www.cisa.gov/critical-infrastructure-sectors.... The federal government has identified 16 critical infrastructure sectors whose assets, systems, and networks, whether physical or virtual, are considered so vital to the United States that their incapacitation or destruction would have a debilitating effect on security, economic security, public health or safety, or any combination thereof. I order that Californians working in these 16 critical infrastructure sectors may continue their work because of the importance of these sectors to California’s health and well-being.”

Federal critical infrastructure sectors include the Financial Services Sector, defined as “thousands of depository institutions, providers of investment products, insurance companies, other credit and financing organizations and the providers of critical financial utilities and services that support these functions.” [Emphasis added.] Link to https://www.cisa.gov/financial-services-sectorLink to https://www.cisa.gov/financial-services-sectorLink to https://www.cisa.gov/financial-services-sectorLink to https://www.cisa.gov/financial-services-sectorLink to https://www.cisa.gov/financial-services-sectorLink to https://www.cisa.gov/financial-services-sectorLink to https://www.cisa.gov/financial-services-sectorLink to https://www.cisa.gov/financial-services-sectorLink to https://www.cisa.gov/financial-services-sectorLink to https://www.cisa.gov/financial-services-sectorLink to https://www.cisa.gov/financial-services-sectorLink to https://www.cisa.gov/financial-services-sectorLink to https://www.cisa.gov/financial-services-sectorLink to https://www.cisa.gov/financial-services-sectorLink to https://www.cisa.gov/financial-services-sectorLink to https://www.cisa.gov/financial-services-sectorLink to https://www.cisa.gov/financial-services-sectorLink to https://www.cisa.gov/financial-services-sectorLink to https://www.cisa.gov/financial-services-sectorLink to https://www.cisa.gov/financial-services-sectorLink to https://www.cisa.gov/financial-services-sectorLink to https://www.cisa.gov/financial-services-sectorLink to https://www.cisa.gov/financial-services-sectorLink to https://www.cisa.gov/financial-services-sectorLink to https://www.cisa.gov/financial-services-sectorLink to https://www.cisa.gov/financial-services-sectorLink to https://www.cisa.gov/financial-services-sectorLink to https://www.cisa.gov/financial-services-sectorLink to https://www.cisa.gov/financial-services-sectorLink to https://www.cisa.gov/financial-services-sectorLink to https://www.cisa.gov/financial-services-sectorLink to https://www.cisa.gov/financial-services-sectorLink to https://www.cisa.gov/financial-services-sectorLink to https://www.cisa.gov/financial-services-sectorLink to https://www.cisa.gov/financial-services-sectorLink to https://www.cisa.gov/financial-services-sectorLink to https://www.cisa.gov/financial-services-sectorLink to https://www.cisa.gov/financial-services-sectorLink to https://www.cisa.gov/financial-services-sectorLink to https://www.cisa.gov/financial-services-sectorLink to https://www.cisa.gov/financial-services-sectorLink to https://www.cisa.gov/financial-services-sectorLink to https://www.cisa.gov/financial-services-sectorLink to https://www.cisa.gov/financial-services-sectorLink to https://www.cisa.gov/financial-services-sectorLink to https://www.cisa.gov/financial-services-sectorLink to https://www.cisa.gov/financial-services-sectorLink to https://www.cisa.gov/financial-services-sectorLink to https://www.cisa.gov/financial-services-sectorLink to https://www.cisa.gov/financial-services-sectorLink to https://www.cisa.gov/financial-services-sectorLink to https://www.cisa.gov/financial-services-sectorLink to https://www.cisa.gov/financial-services-sectorLink to https://www.cisa.gov/financial-services-sectorLink to https://www.cisa.gov/financial-services-sectorLink to https://www.cisa.gov/financial-services-sectorLink to https://www.cisa.gov/financial-services-sectorLink to https://www.cisa.gov/financial-services-sectorLink to https://www.cisa.gov/financial-services-sectorLink to https://www.cisa.gov/financial-services-sectorLink to https://www.cisa.gov/financial-services-sectorLink to https://www.cisa.gov/financial-services-sectorLink to https://www.cisa.gov/financial-services-sectorLink to https://www.cisa.gov/financial-services-sectorLink to https://www.cisa.gov/financial-services-sectorLink to https://www.cisa.gov/financial-services-sectorLink to https://urldefense.com/v3/__https:/www.cisa.gov/critical-infrastructure-sectors*20and*20here:*20*20https:/www.cisa.gov/financial-services-sector__;JSUlJQ!!COskAx4!XhuUo2YS0TZn-oXiZ70nRms5Ilub3mYb481oHDI4yJZGi0ZLcenxh6FTdia_kh2n7xW05w$Click here to view the website.

The Cybersecurity & Infrastructure Security Agency (“CISA”) guidance defines workers in the sector of “Financial Services” to include the following:

  • “Workers who are needed to provide, process and maintain systems for processing, verification, and recording of financial transactions and services, including payment, clearing, and settlement; wholesale funding; insurance services; consumer and commercial lending; and capital markets activities).”
  • “Workers who are needed to provide business, commercial, and consumer access to bank and non-bank financial services and lending services, including ATMs, lending and money transmission, and to move currency, checks, securities, and payments (e.g., armored cash carriers).”

On March 28, 2020, the CISA issued helpful amendments to our industry in “Other Community- or Government-Based Operations and Essential Functions” to include the following:

  • “Staff at government offices who perform title search, notary and recording services in support of mortgage and real estate services and transactions
  • Residential and commercial real estate services, including settlement services.” [Emphasis added.]

Link to /documents/covid19/CISA_Guidance_on_the_Essential_Critical_Infrastructure_Workforce_Version....pdfLink to /documents/covid19/CISA_Guidance_on_the_Essential_Critical_Infrastructure_Workforce_Version....pdfLink to /documents/covid19/CISA_Guidance_on_the_Essential_Critical_Infrastructure_Workforce_Version....pdfLink to /documents/covid19/CISA_Guidance_on_the_Essential_Critical_Infrastructure_Workforce_Version....pdfLink to /documents/covid19/CISA_Guidance_on_the_Essential_Critical_Infrastructure_Workforce_Version....pdfLink to /documents/covid19/CISA_Guidance_on_the_Essential_Critical_Infrastructure_Workforce_Version....pdfLink to /documents/covid19/CISA_Guidance_on_the_Essential_Critical_Infrastructure_Workforce_Version....pdfLink to /documents/covid19/CISA_Guidance_on_the_Essential_Critical_Infrastructure_Workforce_Version....pdfLink to /documents/covid19/CISA_Guidance_on_the_Essential_Critical_Infrastructure_Workforce_Version....pdfLink to /documents/covid19/CISA_Guidance_on_the_Essential_Critical_Infrastructure_Workforce_Version....pdfLink to /documents/covid19/CISA_Gu