Dodd Frank Certificate & Your Loan Modification

You must remember to check the box on the top of this Certificate. A newer version does not have a box you have to check

The Dodd Frank Certificate is used to verify that you haven’t been convicted of a felony relating to a real estate or a mortgage transaction in the past 10 years. This is a relatively new requirement that came out of the recent financial regulations called the Dodd-Frank Wall Street Reform and Consumer protection Act (Pub.L. 111-203). It is a requirement for all HAMP (Home Affordable Modification Program) modifications.

View all the loan modification documents and information

Loan Modification Main Page



The Dodd-Frank Certification requirement provides that no person is eligible to begin receiving assistance under the HAMPO program if such person, in connection with a mortgage or real estate transaction, has been convicted of any of the following within the last 10:
● felony larceny, theft, fraud, or forgery
● money laundering
● tax evasion


Both the borrower and co-borrowers must sign. You can find this form on the Making Home Affordable website but it should be in any loan modification package you receive from the bank. This form will also allow the lenders to pull routine background checks. This can include automated searches of federal, state and county databases, to confirm that you have not been convicted of such crimes. If you submit false information it could violate Federal law and fees and penalties could apply and possible imprisonment.




Get The HomeTitan Loan Modification Toolkit

So Well Designed It Has Your Work Done in Hours. Seriously.