Learn how to submit copies of “Right to Request Modified Mortgage Loan” notices (aka 35B notices) to the Attorney General's Office.
On August 3, 2012, Chapter 194 of the Acts of 2012, An Act Preventing Unlawful and Unnecessary Foreclosures, was signed into law. This law is codified at Chapter 244 § 35B of the Massachusetts General Laws. This law requires creditors holding “certain mortgage loans” to notify borrowers of the borrower’s right to pursue a modified mortgage loan.
Notices must include the contact information for loan modification assistance at the Office of the Attorney General and a copy of the notice must be filed with the Attorney General. See G.L. Ch. 244, §35B(c).
Please use the below contact information on these notices:
Consumer Advocacy and Response Division
Office of the Attorney General
One Ashburton Place
Boston, MA 02108
Filing Copies of Notices with the Attorney General:
Creditors may send copies of notices to the Attorney General’s Office by mail to the above address. However, we strongly encourage creditors with significant volumes of notices to file notices electronically. Copies of notices may be filed in searchable PDF format or using this template.
35B Notice Filing Portal
We are pleased to announce that the AGO has launched an online portal to accept copies of these “35B notices” electronically.
- To obtain a link to the portal for filing 35B notices, please email 35BNoticeFilings@mass.gov
- Creditors filing copies of 35B notices will now complete a brief form using the portal website and will be allowed to attached copies of the notices for upload directly to the portal.
- The portal will accept PDF, CSV, XLSX, and DOCX file formats.
- Each submission should contain copies of notices from a single creditor’s filing. Please do not batch notices from multiple creditors into a filing.
- The portal will provide a confirmation of receipt to the email address listed on the submission form.
What Hasn’t Changed?
- The AGO has not changed the requirements for the notice files themselves. Filings will still be accepted in any of the previously allowed file formats:
- Searchable PDF copies of all notices mailed to borrowers; or
- A single exemplar PDF notice, plus a data file in CSV or XLSX format which contains all the relevant data used to create each notice mailed. We have uploaded a new XLSX template for creditors wishing to use this method here.
Caution: 35B notices contain personal and financial information. Unencrypted email is not a secure transport method for sending this information to the AGO. Please do send copies of notices directly to the AGO via email. Please follow the instructions above for submitting 35B notices to the Attorney General’s Office.
For more information about this law and its regulations, including a model notice, please visit the Division of Banks page here.