Earlier this month, the Consumer Financial Protection Bureau (CFPB) finalized measures that should help struggling borrowers. The new rule, most of which takes effect 12 months from publication (some parts in 18 months), provides certain borrowers with foreclosure protections more than once over the life of the loan, clarifies borrower protections when loan servicing is transferred, requires notification to borrowers when loss mitigation applications are complete, clarifies servicers’ obligations to avoid dual tracking, clarifies when a borrower becomes delinquent, and provides important loan information to borrowers in bankruptcy.  The changes also help ensure that surviving family members and others who inherit properties generally have the same protections under the CFPB’s mortgage servicing rules as the original borrower.