The Evolution of Loss Mitigation Policy: Navigating Regulatory Changes and Innovation

The mortgage servicing industry is experiencing a pivotal transformation in loss mitigation policy, driven by regulatory shifts, technological advancements, and lessons learned from past financial crises. At the recent Policy & Compliance Track panel discussion at the 2025 MBA Servicign Solutions Conference, I moderated a panel of industry experts and explored how servicers are adapting to evolving regulatory frameworks while striving to enhance borrower outcomes. Here’s what you need to know about the past, present, and future of loss mitigation.