; (B) the hearing of the Subcommittee on Insurance, Housing, and Community Opportunity of the Committee on Financial Services of the House of Representatives entitled Robo-Signing, Chain of Title, Loss Mitigation and Other Issues in Mortgage Servicing , November 18, 2010 (Serial No. 111–166); and (C) the joint hearing of the Subcommittee on Financial Institutions and Consumer Credit and the Subcommittee on Oversight and Investigations of the Committee on Financial Services of the House of Representatives entitled Mortgage Servicing: An Examination of the Role of Federal Regulators in Settlement Negotiations and the Future of Mortgage Servicing Standards , July 7, 2011 (Serial No. 112–44); (6) in view of the heightened reliance by the Federal National Mortgage Association (Fannie Mae) and the Federal Home Loan Mortgage Corporation (Freddie Mac) on unilateral reviews of borrowers for loss mitigation in place of reviews of applications initiated by borrowers, there is an increased need for oversight to bring accountability to the loss mitigation review process; (7) mortgage borrowers have also faced other wide-ranging problems with their mortgage servicers, including errors that have cost some borrowers money and have cost others their homes; (8) such problems have included lapses in basic mortgage servicing functions, such as inaccurate monthly statements, improperly credited payments, improper escrow handling, ignored customer complaints, and improper servicing transfers; (9) these failures in mortgage servicing are further evidenced by enforcement actions initiated by the Consumer Financial Protection Bureau against nine different bank and non-bank mortgage servicers from 2013 through 2017 for mismanaging the loss mitigation process , mistreating mortgage borrowers who were trying to save their homes from foreclosure , and failing borrowers at every stage of the mortgage servicing process