It is no secret that the housing crisis is a drag on the economy. Pres Barack Obama's recent announcement that his administration would revise the underutilized Home Affordable Refinance Program was the latest hint of a new federal effort to assist homeowners with underwater mortgages. This announcement comes on the heels of increasingly inventive, and, for mortgage lenders and servicers expensive, state and local legislative initiatives with the same ends. These practices have come under in creased scrutiny by federal regulators. This article provides a brief update on the types of measures that states and localities have enacted to combat the foreclosure crisis, and how these efforts continue to complicate the residential mortgage servicing business. The laws discussed here provide just a few examples of why servicers must keep up with legislative changes and constantly adjust their business practices.