A REVIEW AND ASSESSMENT OF THE NATIONAL
MORTGAGE SETTLEMENT BY ITS MONITOR
JOSEPH A. SMITH, JR.*
Since April 2012, I have served as Monitor of the consent
judgments commonly known as the National Mortgage Settlement (the
“Settlement”). The obligations of the mortgage servicer parties to the
first five of such judgments1 were satisfied in March 2016. Three
consent judgments under the Settlement’s structure remain in effect.2
Although the mortgage servicing settlement process is ongoing,
completion of the first five consent judgments is an appropriate vantage
point from which to review the Settlement and assess its impact and
significance. This Article provides such a review and assessment based
on my work as the Settlement’s Monitor.
[…]
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