On June 19, the National Mortgage Settlement Monitor, Joseph A. Smith, Jr., released summaries of the mortgage servicing compliance reports he submitted to U.S. District Court Judge Rosemary Collyer — the judge presiding over the consent judgments that constitute the National Mortgage Settlement. The summaries indicate that the five servicers subject to the national agreement were largely compliant with the agreement’s mortgage servicing requirements and currently are taking actions to address certain potential violations. Still, the Monitor stated that consumer and state attorney general complaints indicated that some issues may remain with regard to the loan modification process, single points of contact, and billing and statement inaccuracies, and that he is negotiating more stringent testing with the banks to address these issues.