Yesterday, the Consumer Financial Protection Bureau (CFPB) provided interpretive guidance on mortgage servicing rules that are set to take effect in January 2014 (See our Jan 17, 2013, blog post for more information). In order to "ensure a smooth transition and provide certainty to the market," the CFPB's guidance provides clarifications regarding "communications with family members after a borrower dies, contact with delinquent borrowers, and treatment of consumers who have filed for bankruptcy or invoked certain protections under the Fair Debt Collection Practices Act." For more, read the full press release and the interim final rule.