New York § 6-O - 6-OSingle point of contact for modifying delinquent home loans
Full text of New York New York Consolidated Laws § 6-O — 6-OSingle point of contact for modifying delinquent home loans, with citation guidance and answers to common questions.
§ 6-O. 6-OSingle point of contact for modifying delinquent home loans
* § 6-o. Single point of contact for modifying delinquent home loans. 1. A lender shall provide to a borrower who is thirty or more days delinquent on his or her home loan with such lender and who chooses to pursue a loan modification or other foreclosure prevention alternative, a single point of contact for the borrower to reach the lender regarding pursuing a loan modification. If at any time the contact information provided to the borrower changes, a notification of such change shall be provided by the lender to the borrower within five business days of such change. The duties imposed on a lender by this section may also be performed by a mortgage servicer acting on behalf of such lender. 2. The single point of contact required by this act shall be responsible for the following: (a) communicating information regarding options the borrower may have for modifying his or her delinquent home loan; (b) assisting the borrower with identifying documents necessary for pursuing a loan modification; and (c) providing accurate information regarding the status of a borrower's loan modification application should such borrower choose to apply for a modification. 3. The single point of contact required by this section shall remain assigned to the borrower's account until such time as the lender determines that all loss modification options have been exhausted or until the borrower's account becomes current. 4. For the purposes of this section, "home loan" shall have the same meaning as defined in paragraph (e) of subdivision one of section six-l of this article. 5. The superintendent of financial services is hereby authorized to establish rules and regulations as he or she may deem necessary for the single point contact required by this section. * NB There are 2 § 6-o's
Source: official New York text · Last verified 2026-08-27
Frequently Asked Questions About New York § 6-O
What does New York Consolidated Laws § 6-O cover?
Section 6-O ("6-OSingle point of contact for modifying delinquent home loans") is part of the New York Consolidated Laws, the codified statutory law of New York. It sets out the legal rule or procedure described in the text above. Statutes are amended regularly, so always verify against the official source.
How do I cite New York § 6-O?
A common citation format is "New York Consolidated Laws § 6-O" (New York). Legal writing may require the code abbreviation, section number, and year or edition. Match the style required by your court, professor, or publisher.
Is this the official text of New York law?
No. This page is for research and education and may not include the most recent amendments. For official current law, check the New York official source linked on this page or consult a licensed New York attorney.
How does New York § 6-O apply to my situation?
Statutes are interpreted in context, and application depends on your specific facts. Only a licensed attorney in New York can advise on how this section applies to you. Contact your state or local bar association for a referral.
Sources & Verification
Not legal advice. Verify against the official source and consult a licensed attorney in New York.