This bill mandates that the Administrative Office of the Courts provide defendants in foreclosure proceedings the option to disclose their disability status. Specifically, when responding to a foreclosure complaint filed with the Office of Foreclosure, defendants can include a statement from their physician that confirms their disability status and assesses its impact. This provision is applicable to foreclosure actions involving owner-occupied residential mortgages.

The intent of the bill is to ensure that homeowners facing foreclosure have the opportunity to communicate their disability status, which may be relevant to their case. By allowing this disclosure, the bill aims to create a more equitable process for individuals who may be disproportionately affected by foreclosure due to their disabilities. The act is set to take effect on the first day of the fourth month following its enactment.