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Pursuant to the provisions of Massachusetts General Laws chapter 183, section 69, as added by Chapter 177 of the Acts of 2014 (Chapter 177), and in accordance with Massachusetts General Laws chapter 30A, section 2, a public hearing will be held on Tuesday, December 16, 2014 at 10:00 a.m., 1000 Washington Street, Hearing Room 1-E, Boston, Massachusetts, at which the Division of Banks will receive oral comments relative to the adoption of proposed promulgation of 209 CMR 57.00: Flood Insurance .
Chapter 177, An Act Further Regulating Flood Insurance, requires the Division of Banks to promulgate regulations. Chapter 177 amends Massachusetts General Laws chapter 183 by adding section 69 (Section 69), which prohibits creditors and creditors’ representatives from requiring flood insurance that is greater than the balance of a residential mortgage loan, includes coverage for contents, or that includes a deductible of less than $5,000. The provisions of Section 69 apply to purchase money mortgages, subordinate liens, home equity lines of credit, and home equity loans. Section 69 also requires that creditors, creditors’ representatives, and insurance producers provide borrowers with a notice about flood insurance coverage before it is purchased.
Additional changes may be made based on comments received at the public hearing or during the comment period.
Written comments may be submitted to the Massachusetts Division of Banks, 1000 Washington St., 10th Floor, Boston, MA 02118-6400 or at email@example.com until 5:00 p.m. on Monday, December 29, 2014. A copy of the proposed regulation may be obtained from, the Massachusetts Division of Banks or at www.mass.gov/dob.
Written comments accepted until December 29, 2014.