---
title: "List mortgage delinquency dates and write no notice"
url: "https://ailawframework.com/practice/financial-services-regulation/prepare-a-nccp-default-notice-and-hardship-variation-checklist/united-states"
type: "task_jurisdiction_version"
site: "AI Law Framework"
id: "A28-B5-4-US"
practice_area: "Financial Services Regulation (AFSL/ASIC/credit)"
tier: "red"
lawyer_review: "required"
jurisdictions: ["US"]
last_reviewed: "2026-10-22"
---

# List mortgage delinquency dates and write no notice

> From dates in the file, list the 36-day live-contact point, the 45-day written-notice point, and whether a written notice was already given in the last 180 days. Write no notice.

Canonical page: https://ailawframework.com/practice/financial-services-regulation/prepare-a-nccp-default-notice-and-hardship-variation-checklist/united-states  
Last reviewed: 2026-10-22

Site index for agents: https://ailawframework.com/llms.txt

## Key facts

| Fact | Value |
| --- | --- |
| Practice area | [Financial Services Regulation (AFSL/ASIC/credit)](https://ailawframework.com/practice/financial-services-regulation.md) |
| Human involvement | Red: Lawyer writes; AI may check, clarify or collect data |
| How AI is used | From dates in the file, list the 36-day live-contact point, the 45-day written-notice point, and whether a written notice was already given in the last 180 days. Write no notice. |
| What the lawyer must review | 12 C.F.R. section 1024.39 is an early-intervention rule for a mortgage servicer and a delinquent borrower. It is not a National Credit Code default notice. Paragraph (a) requires the servicer to establish, or make good faith efforts to establish, live contact no later than the 36th day of the delinquency and again no later than 36 days after each payment due date so long as the borrower remains delinquent, and then to inform the borrower about loss mitigation options if appropriate. Paragraph (b)(1) requires a written notice with the information in (b)(2) no later than the 45th day of delinquency and again no later than 45 days after each payment due date while the borrower remains delinquent, but not more than once in any 180-day period. If the borrower is still 45 days or more delinquent at the end of that period, the notice is given again no later than 180 days after the prior notice. If the borrower is then less than 45 days delinquent, the notice is given again no later than 45 days after the payment due date for which the borrower remains delinquent. Paragraph (b)(2) requires a statement encouraging contact, the telephone number for personnel assigned under section 1024.40(a) and the servicer's mailing address, a brief description of loss mitigation examples if applicable, application instructions or how to obtain more information if applicable, and the website for the Bureau or HUD counselor list plus the HUD toll-free number. Model clauses MS-4(A), MS-4(B), and MS-4(C) may be used. The lawyer decides whether a bankruptcy or Fair Debt Collection Practices Act section 805(c) exemption applies, including the bankruptcy timing, the ban on a request for payment, and the 190-day repeat in paragraph (d)(3). The tool writes no notice. The Cornell page is not the official edition. |
| Written for | United States |
| Applies to | [Prepare a NCCP default notice and hardship-variation checklist](https://ailawframework.com/practice/financial-services-regulation/prepare-a-nccp-default-notice-and-hardship-variation-checklist.md) |

## Checking plan

- What the AI does: From dates in the file, list the 36-day live-contact point, the 45-day written-notice point, and whether a written notice was already given in the last 180 days. Write no notice.
- Basis: Checked against the linked sources on 22 October 2026. Confirm the current instrument before reliance.

## Notes

- Do not treat this as a National Credit Code default notice.
- The tool does not apply a bankruptcy or debt-collection exemption.
- Confirm the official edition. The linked page is a Cornell copy.

## Sources

- [12 C.F.R. section 1024.39, Early intervention requirements for certain borrowers](https://www.law.cornell.edu/cfr/text/12/1024.39) (checked 2026-10-22)
- [ABA Formal Opinion 512, Generative Artificial Intelligence Tools (29 July 2024)](https://www.americanbar.org/content/dam/aba/administrative/professional_responsibility/ethics-opinions/aba-formal-opinion-512.pdf) (checked 2026-10-22)

## Forms and precedents for this task

| Form or precedent | Kind | AI level | Summary |
| --- | --- | --- | --- |
| [Hardship notice response letters under the National Credit Code (information request, decision and notice of change)](https://ailawframework.com/precedents/financial-services-regulation/hardship-notice-response-letters.md) | Letter | Yellow | Three linked letters for a credit provider responding to a debtor’s hardship notice: a request for information within 21 days, a decision letter that either records the agreed change or gives… |

Signed-in accounts can read the full text of each one.

*Practice guidance for planning and review. Confirm current primary sources and the requirements of the actual matter. This is general information, not legal advice.*