Mortgage lenders face an increasingly complex landscape of transparency, timing, disclosure and accuracy requirements designed to protect borrowers. Lawmakers have reacted to the foreclosure crisis by trying to ensure that consumers are more fully educated and informed about the loan agreements they're entering into. The Mortgage Disclosure Improvement Act took effect on Jul 30, 2009. The Truth in Lending Act has added new guidelines and rules surrounding high-priced mortgage loans in terms of interest rates, escrow requirements, the borrowers ability to repay and more. Lenders can leverage the growing resources of national closing-cost data providers. In addition to the new compliance challenges, there are new developments in eMortgage support of the Home Affordable Modification Program.