Effective July 1, 2012, certain Hawaii Mortgage Servicer Licensees will be required to maintain an in-state office location, staffed by at least one agent or employee for the purpose of addressing consumer complaints or inquiries, and for accepting service of process. The in-state office requirement will apply only to servicers whose business constitutes at least a 20 percent share of “the portion of the mortgage loan service market in [Hawaii] that was serviced by mortgage servicers licensed under [the Mortgage Servicers Act] within the previous calendar year.” It appears the determination will be based on the loan volume report that will be required on a yearly basis for Mortgage Servicer Licensees. The provision also allows servicers to contract with a licensee that maintains an office in Hawaii for the purpose of satisfying the requirement.