regard to complaint. (3) Use of information In making any determinations regarding servicers’ compliance with the requirements, standards, and guidelines for servicing, including in identifying systemic problems and trends with servicing, the Secretary shall take into consideration information obtained under the complaint procedure under this subsection. (b) Notification of opportunity To appeal Upon making a determination with respect to a complaint, the Secretary shall notify the complainant of such determination, of the opportunity for the complainant to appeal an adverse determination under the procedure established pursuant to subsection (a), and the requirements for and how to initiate such an appeal. (c) Appeals procedure (1) Establishment The Secretary shall provide a procedure for mortgagors to appeal an adverse determination by the Secretary regarding a complaint registered under the procedure established pursuant to subsection (a), and, if appropriate, may take action pursuant to section 533(d)(2) pursuant to a decision on such an appeal. (2) Limitation The Secretary shall provide that the procedure established pursuant to this subsection may not provide an appeal for any complaint that was previously appealed under such procedure. (d) Prohibition on foreclosure The Secretary shall prohibit the foreclosure of a mortgage during any period that a complaint or appeal regarding such mortgage is pending under the procedures established pursuant to this section and during a reasonable period after a complainant is notified of a determination regarding a complaint that provides the complainant an opportunity to appeal such decision. (e) Reporting The Secretary shall submit a report to the Congress annually regarding complaints received under the procedure maintained pursuant to subsection (a), which shall specify the number of complaints received, disaggregated by types of complaints, status of complaints, geographic distribution of complaints, and average times for resolution of complaints, shall include