The Federal Reserve and the Office of the Comptroller of the Currency have initiated enforcement actions against a group of mortgage servicers because of deficiencies in the servicers’ foreclosure processes. The regulators are encouraging borrowers who were financially harmed in the mortgage foreclosure process in 2009 and 2010 to request an independent review. After the review, servicers may be required to provide compensation. You have until December 31, 2012, to submit your request. Get more information or start the process by visiting https://independentforeclosurereview.com.