HF 1941

2nd Engrossment - 88th Legislature (2013 - 2014) Posted on 03/06/2014 03:25pm

A bill for an act
relating to real property; establishing mortgage foreclosure mediation; amending
Minnesota Statutes 2012, section 581.03; Minnesota Statutes 2013 Supplement,
section 580.02; proposing coding for new law as Minnesota Statutes, chapter
584; repealing Minnesota Statutes 2012, sections 580.021; 580.022.

BE IT ENACTED BY THE LEGISLATURE OF THE STATE OF MINNESOTA:

Section 1.

Minnesota Statutes 2013 Supplement, section 580.02, is amended to read:

580.02 REQUISITES FOR FORECLOSURE.

To entitle any party to make such foreclosure, it is requisite:

(1) that some default in a condition of such mortgage has occurred, by which the
power to sell has become operative;

(2) that no action or proceeding has been instituted at law to recover the debt then
remaining secured by such mortgage, or any part thereof, or, if the action or proceeding
has been instituted, that the same has been discontinued, or that an execution upon the
judgment rendered therein has been returned unsatisfied, in whole or in part;

(3) that the mortgage has been recorded and, if it has been assigned, that all
assignments thereof have been recorded; provided, that, if the mortgage is upon registered
land, it shall be sufficient if the mortgage and all assignments thereof have been duly
registered;

(4) deleted text begin before the notice of pendency as required under section 580.032 is recorded,
the party has complied with section 580.021; and deleted text end new text begin before or contemporaneous with the
notice of sale as required under section 580.03 is recorded, the party has recorded either
a fully executed opt-out notice or the affidavit of good faith in mediation as provided
in chapter 584, if applicable; and
new text end

(5) before the foreclosure sale, the party has complied with section 582.043, if
applicable.

Sec. 2.

Minnesota Statutes 2012, section 581.03, is amended to read:

581.03 JUDGMENT, TRANSCRIPT.

Judgment shall be entered, under the direction of the court, adjudging the amount due,
with costs and disbursements, and the sale of the mortgaged premises, or some part thereof,
to satisfy such amount, and directing the sheriff to proceed to sell the same according to
the provisions of law relating to the sale of real estate on execution, and to make report to
the court. A certified transcript of the judgment shall be delivered to the sheriff, and shall
be the sheriff's authority for making the sale. new text begin Before judgment may be entered, the party
seeking judgment must provide the court with either a fully executed opt-out notice or the
affidavit of good faith in mediation as provided in chapter 584, if applicable.
new text end

Sec. 3.

new text begin [584.01] DEFINITIONS.
new text end

new text begin Subdivision 1. new text end

new text begin Applicability. new text end

new text begin The definitions in this section apply to this chapter.
new text end

new text begin Subd. 2. new text end

new text begin Authorized foreclosure prevention agency. new text end

new text begin "Authorized foreclosure
prevention agency" means a government agency or a nonprofit agency funded, all or in
part, for foreclosure prevention services, by the Minnesota Housing Finance Agency
or the United States Department of Housing and Urban Development, or otherwise
approved by the United States Department of Housing and Urban Development to provide
foreclosure prevention counseling services.
new text end

new text begin Subd. 3. new text end

new text begin Foreclosing entity. new text end

new text begin "Foreclosing entity" means the person attempting to
foreclose a residential mortgage.
new text end

new text begin Subd. 4. new text end

new text begin Homeowner. new text end

new text begin "Homeowner" means the mortgagor who is an owner and
an occupant of the residential property subject to the residential mortgage sought to be
foreclosed by the foreclosing entity.
new text end

new text begin Subd. 5. new text end

new text begin Loss mitigation. new text end

new text begin "Loss mitigation" means a temporary or permanent loan
modification, a forbearance agreement, a repayment agreement, a principal reduction,
capitalizing arrears, or any other relief intended to prevent completion of the foreclosure.
new text end

new text begin Subd. 6. new text end

new text begin Mediator. new text end

new text begin "Mediator" means a mediator selected by the state Office of
Administrative Hearings, as provided in section 584.05.
new text end

new text begin Subd. 7. new text end

new text begin Office of Administrative Hearings. new text end

new text begin "Office of Administrative Hearings"
means the Office of Administrative Hearings as created by section 14.48.
new text end

new text begin Subd. 8. new text end

new text begin Residential mortgage. new text end

new text begin "Residential mortgage" means a mortgage on a
property consisting of one to four family dwelling units, one of which the owner occupies
as the owner's principal place of residency as of the date when the foreclosing entity sends
the notice required under section 584.03, subdivision 1.
new text end

new text begin Subd. 9. new text end

new text begin Single point of contact. new text end

new text begin "Single point of contact" means personnel
authorized by the foreclosing entity or subsequent lienholder to bind the foreclosing entity
or subsequent lienholder, and bind the owner of any loan note related to the mortgage
sought to be foreclosed, in mediation as to loss mitigation or other actions to resolve the
foreclosure. This single point of contact must be an easily accessible and reliable point
of contact for the homeowner throughout the mediation process who can perform the
duties imposed on servicers for continuity of contact in Code of Federal Regulations, title
12, section 1024.40, if applicable.
new text end

new text begin Subd. 10. new text end

new text begin Subsequent lienholder. new text end

new text begin "Subsequent lienholder" means any creditor
having a recorded legal or equitable lien upon the residential property subject to the
residential mortgage, or some part of it, that is junior to the lien held by the foreclosing
entity.
new text end

Sec. 4.

new text begin [584.02] APPLICABILITY.
new text end

new text begin Subdivision 1. new text end

new text begin Applicability. new text end

new text begin This chapter applies to foreclosure of mortgages by
advertisement under chapter 580 and foreclosure of mortgages by actions under chapter
581 on a residential property. This chapter does not apply if the residential mortgage
sought to be foreclosed is a portfolio loan and the foreclosing entity, or any parent,
subsidiary, successor, or person similarly affiliated to the foreclosing entity, or the servicer
or agent of the foreclosing entity, has recorded less than 125 notices of pendency under
chapter 580 or lis pendens under chapter 581 in the year prior to the year of the notice of
default. For purposes of this section, "portfolio mortgage loan" means a mortgage and
related loan note that are owned by the originator of the mortgage loan and that have not
been previously sold, assigned, or otherwise transferred to a person other than a successor
entity to a financial institution that originated the mortgage and related loan note.
new text end

new text begin Subd. 2. new text end

new text begin Additional authority. new text end

new text begin The Office of Administrative Hearings may enact
regulations to carry out the provisions of chapter 584. Until December 31, 2015, the Office
of Administrative Hearings may establish procedures and take other actions necessary
to create the residential foreclosure mediation program provided in chapter 584 without
complying with the rulemaking requirements of chapter 14.
new text end

Sec. 5.

new text begin [584.03] MEDIATION NOTICES.
new text end

new text begin Subdivision 1. new text end

new text begin Notice of requested mediation. new text end

new text begin A foreclosing entity desiring to
foreclose a residential mortgage shall notify the Office of Administrative Hearings and
the Minnesota Homeownership Center of the proposed foreclosure. This notice shall be
sent by the foreclosing entity to the Office of Administrative Hearings and the Minnesota
Homeownership Center no earlier than 45 days after a homeowner's delinquency on the
mortgage. This notice must include the single point of contact, the address of the property
sought to be foreclosed, and the name and most recent telephone number of the homeowner.
new text end

new text begin Subd. 2. new text end

new text begin Minnesota Homeownership Center. new text end

new text begin The Minnesota Homeownership
Center shall appoint a mortgage foreclosure prevention counselor and shall send a written
notice to the Office of Administrative Hearings and the homeowner with the counselor's
contact information within seven days of reviewing the notice of default in subdivision
1. Any participating authorized foreclosure prevention agency must comply with federal
regulations governing housing counseling programs.
new text end

new text begin Subd. 3. new text end

new text begin Office of Administrative Hearings notice of mediation. new text end

new text begin Within 14 days
of receiving the notice of default in subdivision 1, the Office of Administrative Hearings
shall select an authorized foreclosure prevention agency. The Office of Administrative
Hearings shall send a notice of the mediation to the homeowner, the foreclosing entity,
and the authorized foreclosure prevention agency. The notice shall include at least the
following information: the foreclosing entity's single point of contact, the address of the
property sought to be foreclosed, the name and most recent telephone number of the
homeowner, the name and contact information for the authorized foreclosure prevention
agency, the date and location of the mediation, and a copy of the homeowner opt-out form
provided for in section 584.04. The date of the mediation shall not be less than 21 days or
more than 60 days after the notice is sent by the Office of Administrative Hearings.
new text end

new text begin The notice must contain the following information related to the foreclosure
prevention agency:
new text end

new text begin [Name of authorized foreclosure agency] is a nonprofit agency and is an expert in
housing and foreclosure prevention counseling and assistance. They are experienced in
dealing with lenders and homeowners who are behind on mortgage payments and can help
you understand your options and work with you to address your delinquency. They are
approved by either the Minnesota Housing Finance Agency or the United States Department
of Housing and Urban Development. They are not connected with the foreclosing entity in
any way. They will accompany you to the mediation and can provide information and
assistance to reach an agreement with the foreclosing entity prior to the mediation.
new text end

new text begin Subd. 4. new text end

new text begin Notice of mediation cancellation. new text end

new text begin (a) If the authorized foreclosure
prevention agency notifies the Office of Administrative Hearings within 14 days of the
date of the scheduled mediation that it is unable to establish contact with a homeowner,
the Office of Administrative Hearings shall send the notice required in this section. The
notice shall be sent by regular and certified mail. The notice shall inform the homeowner
that the mediation will be canceled and the foreclosing entity will be permitted to proceed
with foreclosure if the homeowner does not contact the Office of Administrative Hearings
by a date that is at least two business days prior to the scheduled date of mediation.
The notice shall also inform the homeowner that the notice required in this section is
being sent to the homeowner because the authorized foreclosure prevention agency
has made four attempts to contact the homeowner and has been unable to confirm the
homeowner's appearance at the mediation. If the homeowner fails to contact the Office
of Administrative Hearings at least two business days prior to the scheduled date of
mediation, the Office of Administrative Hearings shall provide to the foreclosing entity an
opt-out notice under section 584.04, subdivision 2.
new text end

new text begin (b) The authorized foreclosure prevention agency selected by the Office of
Administrative Hearings to provide foreclosure counseling services to the homeowner
may inform the Office of Administrative Hearings that it is unable to establish contact
with the homeowner only if the authorized foreclosure prevention agency satisfies the
following requirements:
new text end

new text begin (1) the authorized foreclosure prevention agency has made four attempts to contact
the homeowner;
new text end

new text begin (2) at least one of the four attempts to contact the homeowner was by telephone;
new text end

new text begin (3) at least one of the attempts to contact the homeowner was in writing; and
new text end

new text begin (4) the authorized foreclosure prevention agency has stated in each written attempt
at contact that the purpose of mediation is to help the homeowner avoid foreclosure,
that the authorized foreclosure prevention agency has been selected by the Office of
Administrative Hearings to provide foreclosure counseling services to the homeowner if
the homeowner wants those services, and the mediation may be canceled if the homeowner
does not communicate to either the Office of Administrative Hearings or the authorized
foreclosure prevention agency an intent to participate in mediation.
new text end

new text begin Subd. 5. new text end

new text begin Foreclosing entity's disclosure of loss mitigation information. new text end

new text begin (a)
Within 14 days of the date that the Office of Administrative Hearings sent the notice of
mediation provided in subdivision 3, the foreclosing entity shall send to the homeowner
and the Office of Administrative Hearings a notice of loss mitigation information.
new text end

new text begin (b) The notice of loss mitigation information shall include the following:
new text end

new text begin (1) a statement of all information the foreclosing entity currently has that has been or
may be used in a loss mitigation decision;
new text end

new text begin (2) a list of information that the foreclosing entity reasonably needs from the
homeowner to make a loss mitigation decision;
new text end

new text begin (3) a statement that the homeowner may request the equation used to make any
calculation concerning a loss mitigation decision; and
new text end

new text begin (4) the identity and contact information for the single point of contact.
new text end

new text begin (c) The notice required by this subdivision must be in 14-point boldface type and the
title of the notice must be in 20-point boldface type. The notice must appear substantially
as follows:
new text end

new text begin "NOTICE OF INFORMATION NEEDED FOR MORTGAGE WORKOUT
AGREEMENT
new text end

new text begin You are scheduled to appear for mortgage foreclosure mediation at [date, time,
and location of mediation]. We are required to send you this notice under the law of
the State of Minnesota.
new text end

new text begin Foreclosure mediation is a state-run program which provides eligible homeowners
with the opportunity to work with a neutral third party to modify their mortgage to avoid
foreclosure. An agent of [name of foreclosing entity] will be there to negotiate and modify
the terms of your loan. Mediations can result in a modification to your loan or other
solution to keep you in your house or allow a reasonable resolution to the foreclosure.
new text end

new text begin We have or may in the future use the following information that we currently
possess about you or your home:
new text end

new text begin [List of all such information].
new text end

new text begin [If homeowner information necessary] The mediation of the foreclosure on your
home is most likely to succeed in a mortgage workout agreement to help you stay in the
home if you provide the following information about you and your home:
new text end

new text begin [List of information and what documents can provide this information].
new text end

new text begin You should send this information to us and to the Office of Administrative Hearings.
You can send information to the Office of Administrative Hearings at [to be provided by
the Office of Administrative Hearings]. You can send the requested information to us, or
you can ask us any questions regarding this notice or the mediation process, as follows:
new text end

new text begin [Identity and contact information for single point of contact]."
new text end

new text begin Subd. 6. new text end

new text begin Notice to subsequent lienholders. new text end

new text begin (a) Within 14 days of the date that the
Office of Administrative Hearings sent the notice of mediation provided in subdivision
3, the foreclosing entity shall send to subsequent lienholders a notice identifying the
homeowner, the address of the property sought to be foreclosed, and the mediation time,
date, and location. The notice shall also state that the mediator may void the lien on the
property held by the subsequent lienholder if the subsequent lienholder fails to participate
in the mediation in good faith.
new text end

new text begin (b) The foreclosing entity shall provide the Office of Administrative Hearings a list
of all subsequent lienholders sent the notice required under this subdivision.
new text end

new text begin Subd. 7. new text end

new text begin Notice of mediator. new text end

new text begin The Office of Administrative Hearings shall notify
the foreclosing entity, the homeowner, and the subsequent lienholders of the name and
contact information of the assigned mediator.
new text end

Sec. 6.

new text begin [584.04] OPT-OUT FORM.
new text end

new text begin Subdivision 1. new text end

new text begin Opt-out forms. new text end

new text begin The Office of Administrative Hearings shall create
two forms, a homeowner opt-out notice and an inability to contact opt-out notice. Only
one form of opt-out notice is needed to cancel the mediation and satisfy any requirement
for obtaining or recording an opt-out notice.
new text end

new text begin Subd. 2. new text end

new text begin Homeowner opt-out. new text end

new text begin The Office of Administrative Hearings shall provide
a notice to the homeowner that the homeowner can complete to decline participation
in the mediation process. If the Office of Administrative Hearings receives a signed
opt-out notice from the homeowner, the Office of Administrative Hearings shall cancel the
mediation and promptly provide a copy of this completed opt-out form to the foreclosing
entity. The foreclosing entity shall promptly provide a copy of the completed opt-out form
to subsequent lienholders previously sent a notice of the mediation by the foreclosing entity.
new text end

new text begin Subd. 3. new text end

new text begin Inability to contact opt-out. new text end

new text begin If the Office of Administrative Hearings
sends the notice of possible mediation cancellation required under section 584.03,
subdivision 4, and the homeowner fails to contact the Office of Administrative Hearings
at least two business days prior to the scheduled date of mediation, the Office of
Administrative Hearings shall cancel the mediation, complete an opt-out form, and
promptly provide the form to the foreclosing entity. The foreclosing entity shall promptly
provide a copy of the completed opt-out form to subsequent lienholders previously sent a
notice of the mediation by the foreclosing entity.
new text end

Sec. 7.

new text begin [584.05] MEDIATORS.
new text end

new text begin Subdivision 1. new text end

new text begin Mediator eligibility. new text end

new text begin The Office of Administrative Hearings shall
establish the qualifications necessary for a person to serve as a mediator under this
chapter. Mediators cannot have a conflict of interest that prevents the mediator from being
impartial with any party involved in the mediation program.
new text end

new text begin Subd. 2. new text end

new text begin Duties of the mediator. new text end

new text begin At the mediation, the mediator shall:
new text end

new text begin (1) listen to the homeowner, foreclosing entity, and subsequent lienholders, if any;
new text end

new text begin (2) attempt to mediate between the homeowner, foreclosing entity, and subsequent
lienholders, if any;
new text end

new text begin (3) advise the homeowner, foreclosing entity, and subsequent lienholders, if any, of
assistance programs available and known to the mediator;
new text end

new text begin (4) attempt to arrive at an agreement to fairly adjust, refinance, or pay the mortgage;
and
new text end

new text begin (5) advise, counsel, and assist the homeowner, foreclosing entity, and subsequent
lienholders, if any, in attempting to arrive at an agreement for the future conduct of the
financial relations among them.
new text end

new text begin Subd. 3. new text end

new text begin Mediator liability and immunity. new text end

new text begin (a) A mediator is immune from civil
liability for actions within the scope of the position as mediator. A mediator does not have
a duty to advise the homeowner, foreclosing entity, or subsequent lienholders, if any,
about the law or to encourage or assist the homeowner, foreclosing entity, or subsequent
lienholders, if any, in reserving or establishing legal rights. This subdivision is an addition
to and not a limitation of immunity otherwise accorded to a mediator under any law.
new text end

new text begin (b) A mediator cannot be examined about a communication or document, including
work notes, made or used in the course of or because of mediation under this chapter. This
paragraph does not apply to the parties in the dispute in an application to a court by a
party to have a mediated settlement agreement set aside or reformed. A communication
or document otherwise not privileged does not become privileged because it is used in
the cause of mediation. This paragraph is not intended to limit the privilege accorded to
communication during mediation under any law.
new text end

Sec. 8.

new text begin [584.06] HOMEOWNER'S RIGHT TO REQUEST LOSS MITIGATION
FORMULA.
new text end

new text begin At any time after the notice of requested mediation is sent by the foreclosing entity,
the homeowner has the right to request from the foreclosing entity the formula and
information used in deciding whether the homeowner is eligible for a loan modification,
loss mitigation, or other mortgage workout option to help the homeowner resolve the
foreclosure. The single point of contact must respond to the homeowner's request within
seven days of the request.
new text end

Sec. 9.

new text begin [584.07] GOOD FAITH IN MEDIATION REQUIRED.
new text end

new text begin Subdivision 1. new text end

new text begin Obligation of good faith. new text end

new text begin The homeowner and the foreclosing entity
must engage in mediation in good faith.
new text end

new text begin Subd. 2. new text end

new text begin Determination of good faith. new text end

new text begin A foreclosing entity does not participate in
good faith if the foreclosing entity:
new text end

new text begin (1) fails to attend or participate in mediation sessions without good cause;
new text end

new text begin (2) fails to provide information required under this section, section 584.03, or section
584.08 without reasonable justification;
new text end

new text begin (3) fails to provide a single point of contact for the mediation process;
new text end

new text begin (4) fails to provide the formula used in deciding whether the homeowner is eligible
for a loss mitigation program to help resolve the foreclosure, as required by section
584.06, if the formula is requested by the homeowner;
new text end

new text begin (5) fails to provide a reasonable explanation for not agreeing to loss mitigation;
new text end

new text begin (6) takes action or fails to take action that unreasonably obstructs or impedes
mediation or loss mitigation; or
new text end

new text begin (7) engages in any other conduct that evidences lack of good faith in providing loss
mitigation or reasonably assisting the homeowner in resolving the foreclosure.
new text end

new text begin A failure to agree to modify, reduce, restructure, refinance, or forgive debt is not, in
itself, evidence of lack of good faith by the foreclosing entity.
new text end

new text begin Subd. 3. new text end

new text begin Certificate of good faith in mediation. new text end

new text begin If the mediator determines that
the foreclosing entity participated in the mediation in good faith, the mediator shall
promptly provide to all parties a certificate attesting to this determination. If the mediator
determines that the foreclosing entity has not participated in the mediation in good faith,
the mediator shall provide to all parties within one week of the end of the mediation a
report attesting to this determination and the reason for the determination.
new text end

new text begin Subd. 4. new text end

new text begin Lack of good faith. new text end

new text begin If the homeowner does not execute an opt-out form
and the mediator does not provide the foreclosing entity a certificate of good faith in
mediation following a mediation, all actions taken and documents recorded as part of the
foreclosure process are void, and the foreclosing entity shall be prohibited from taking any
action to initiate a new foreclosure for one year from the date of mediation.
new text end

Sec. 10.

new text begin [584.08] MEDIATION PROCESS.
new text end

new text begin Subdivision 1. new text end

new text begin Appearances. new text end

new text begin There will be one mediation session unless the
mediator determines that a subsequent session is needed and may be helpful to a successful
mediation. The Office of Administrative Hearings may allow the parties to appear through
remote communication. The Office of Administrative Hearings may reschedule the time
or location of the mediation if reasonably necessary for the participation of a party. A
subsequent or rescheduled session may take place outside of the time period provided
in section 584.03, subdivision 3.
new text end

new text begin Subd. 2. new text end

new text begin Documents required at mediation. new text end

new text begin The foreclosing entity shall bring to
the mediation the following documents:
new text end

new text begin (1) a valid copy of the mortgage and note, and each assignment or endorsement of
the mortgage and note;
new text end

new text begin (2) an accurate statement containing the balance of the loan within seven days
of the date of mediation;
new text end

new text begin (3) an accurate statement of any arrearage and an itemized statement of the arrearages;
new text end

new text begin (4) the payment history and schedule for the preceding 12 months, or since
default, whichever is longer, including a breakdown of all fees and charges claimed and
outstanding; and
new text end

new text begin (5) any appraisal or valuation estimate relied upon by the foreclosing entity in
making a loan mitigation decision.
new text end

new text begin Subd. 3. new text end

new text begin Mediation agreement. new text end

new text begin The foreclosing entity, homeowner, and, if any,
subsequent lienholders who are parties to an agreement reached in mediation are bound
by the terms of the agreement, may enforce the mediation agreement as a legal contract,
and may use the mediation agreement as a defense against an action contrary to the
mediation agreement.
new text end

Sec. 11.

new text begin [584.09] SUBSEQUENT LIENHOLDERS GOOD FAITH IN
MEDIATION REQUIRED.
new text end

new text begin Subdivision 1. new text end

new text begin Requirement of good faith. new text end

new text begin A subsequent lienholder must
participate in mediation in good faith. A subsequent lienholder does not participate in
good faith if the subsequent lienholder:
new text end

new text begin (1) fails to attend and participate in mediation sessions without good cause;
new text end

new text begin (2) fails to designate a single point of contact with authority to make binding
commitments to participate in the mediation;
new text end

new text begin (3) fails to provide a reasonable explanation for not agreeing to a loss mitigation;
new text end

new text begin (4) takes action or fails to take action that unreasonably obstructs or impedes
mediation or the determination of a loss mitigation; or
new text end

new text begin (5) engages in any other conduct that evidences a lack of good faith in providing a
loss mitigation or reasonably assisting the homeowner in resolving the foreclosure.
new text end

new text begin A failure to agree to modify, reduce, restructure, refinance, or forgive debt is not, in
itself, evidence of lack of good faith by the subsequent lienholder.
new text end

new text begin Subd. 2. new text end

new text begin Failure to participate in good faith. new text end

new text begin If the mediator determines that a
subsequent lienholder has not participated in good faith in the mediation, the mediator
shall provide to all parties within one week of the end of the mediation a certificate
attesting to this determination. The homeowner may record this certificate, which shall
have the effect of making void the lien of the subsequent lienholder determined to have
not participated in good faith.
new text end

Sec. 12.

new text begin [584.10] MORTGAGE FORECLOSURE MEDIATION PROGRAM
DATA.
new text end

new text begin Subdivision 1. new text end

new text begin Requirement to maintain data. new text end

new text begin The Office of Administrative
Hearings shall create an annual report on the success rate of the foreclosure mediation
program.
new text end

new text begin Subd. 2. new text end

new text begin Mediator reports. new text end

new text begin The reports of mediators under section 584.07,
subdivision 3, are classified as private data on individuals under section 13.02, subdivision
12, or nonpublic data under section 13.02, subdivision 9.
new text end

new text begin Subd. 3. new text end

new text begin Confidentiality of data created by the Office of Administrative Hearings
in foreclosure mediation. new text end

new text begin (a) All data regarding the finances of homeowners, foreclosing
entities, and subsequent lienholders created, collected, and maintained by the mediators or
the Office of Administrative Hearings are classified as private data on individuals under
section 13.02, subdivision 12, or nonpublic data under section 13.02, subdivision 9.
new text end

new text begin (b) All data and reports created by the Office of Administrative Hearings in
complying with subdivision 1 shall be classified as public data not on individuals under
section 13.02, subdivision 14.
new text end

Sec. 13. new text begin APPROPRIATION; OFFICE OF ADMINISTRATIVE HEARINGS.
new text end

new text begin $....... is appropriated in fiscal year 2015 from the general fund to the Office of
Administrative Hearings for the operation of the foreclosure mediation program under
Minnesota Statutes, chapter 584.
new text end

Sec. 14. new text begin REPEALER.
new text end

new text begin Minnesota Statutes 2012, sections 580.021; and 580.022, new text end new text begin are repealed.
new text end