Last updated: June 4, 2026.
Each state has its own laws governing real estate, foreclosure assistance, and consumer protection. This page summarizes how those laws relate to HomePath Options' matching service in the states we serve. This is informational only, not legal advice. If you have questions about your rights, contact a licensed attorney in your state or the state attorney general's office.
State attorney general: in.gov/attorneygeneral/consumer-protection · Consumer complaints: 1-800-382-5516
Indiana's Credit Services Organization Act (Ind. Code 24-5-15) and foreclosure consultant restrictions (Ind. Code 24-5.5) regulate businesses that offer help to homeowners in foreclosure or default. HomePath Options is structured as a matching/referral service compensated by the buyer (not the homeowner), which is generally distinct from a "foreclosure consultant" charging the homeowner. We charge homeowners nothing, consistent with these statutes.
Indiana real estate broker licensing (Ind. Code 25-34.1) is required for those who, for compensation, sell, lease, exchange, or negotiate real estate for others. As a matching service that does not negotiate, list, show, or hold an interest in property, we do not act as a broker. Buyers in our network are independent and must hold any licenses required for their own activities.
Indiana's Deceptive Consumer Sales Act (Ind. Code 24-5-0.5) prohibits unfair, abusive, or deceptive practices in consumer transactions. We are committed to truthful, accurate communications.
State attorney general: attorneygeneral.gov/protect-consumers · Consumer complaints: 1-800-441-2555
Pennsylvania's Real Estate Licensing & Registration Act (63 P.S. § 455.101 et seq.) requires licensing for those who negotiate, list, or otherwise hold themselves out as engaging in real estate transactions for others for compensation. HomePath Options provides referral and matching services only; we do not negotiate, list, market, or show property. Buyers in our network must hold any required state licenses for their own activities.
Pennsylvania regulates "loan modification consultants" who, for compensation from the homeowner, assist with loan modifications. Because we charge homeowners nothing and do not negotiate with lenders on behalf of homeowners, this statute generally does not apply to our matching service. We always refer homeowners considering loan modification to free HUD-approved counseling.
Pennsylvania's Unfair Trade Practices and Consumer Protection Law (73 P.S. § 201-1 et seq.) provides broad consumer protections. We commit to truthful, non-deceptive practices.
State attorney general: njoag.gov · Consumer complaints: 1-800-242-5846
New Jersey has the strictest law in the states we serve: the Foreclosure Rescue Fraud Prevention Act (N.J.S.A. 46:10B-53 et seq., P.L. 2011, c. 162). It regulates "foreclosure consultants" and "distressed property purchasers" who, for compensation from the homeowner, offer to help with foreclosure-related matters.
HomePath Options is a matching/referral service compensated by the buyer (not the homeowner). We do not directly assist with stopping foreclosure, negotiating with lenders, or purchasing property ourselves. However, because New Jersey applies these statutes broadly, we strongly recommend any New Jersey homeowner using our service:
New Jersey's TCCWNA (N.J.S.A. 56:12-14 et seq.) prohibits consumer-facing contracts that violate a clearly established legal right. We commit to keeping our consumer disclosures clear and lawful.
New Jersey's Consumer Fraud Act (N.J.S.A. 56:8-1 et seq.) is among the most protective in the nation, providing for treble damages, attorney's fees, and rescission for unfair or deceptive practices. We are committed to compliance.
State attorney general: portal.ct.gov/AG · Consumer complaints: 1-860-808-5318
Connecticut's Mortgage Rescue Schemes Act (Conn. Gen. Stat. § 36a-810 et seq., Public Act 09-209) regulates "mortgage assistance relief services" similar to the federal MARS Rule, prohibiting upfront fees and requiring specific disclosures. We comply with both the Connecticut statute and the federal MARS Rule.
Connecticut Public Act 25-168 (effective July 2025) requires real estate wholesalers (those who market or assign equitable interests in residential property) to register with the Connecticut Department of Consumer Protection and provide specific disclosures. HomePath Options does not wholesale property. We do not hold, market, or assign any interest in real estate. Buyers in our network who do engage in wholesaling are independently responsible for their own compliance with Public Act 25-168.
Connecticut's Unfair Trade Practices Act (Conn. Gen. Stat. § 42-110a et seq.) provides for damages, attorney's fees, and injunctive relief for unfair or deceptive practices. We comply.
State attorney general: ncdoj.gov/protecting-consumers · Consumer complaints: 1-877-566-7226
North Carolina (N.C. Gen. Stat. Chapter 93A) requires a broker license for those who, for compensation, list, sell, lease, exchange, or negotiate real estate for others. HomePath Options provides matching and referral services only. We do not negotiate, list, market, or show property, and we do not hold compensation from real estate transactions of others. Buyers in our network are independently responsible for any licensing required for their own activities.
North Carolina's UDTPA (N.C. Gen. Stat. § 75-1.1 et seq.) prohibits unfair or deceptive practices in or affecting commerce, with treble damages available. We commit to compliance.
North Carolina's Secure and Fair Enforcement Mortgage Licensing Act (S.A.F.E. Act, N.C. Gen. Stat. Chapter 53) regulates mortgage origination. We are not a mortgage originator and do not engage in any activity covered by this Act.
HomePath Options does not currently serve Maryland. If we expand to Maryland, Maryland's HB 124 (effective October 2024) requires real estate wholesalers to register with the Department of Labor and provide specific disclosures, including the right of rescission. Because our service is matching/referral (not wholesale), HB 124 likely does not apply to us directly, but it would apply to any buyer in our network engaging in wholesaling.
We currently serve Indiana, Pennsylvania, New Jersey, Connecticut, and North Carolina. If you submit from another state, we will not match you with a buyer but may still respond with information and HUD-counselor referrals. Many states have their own foreclosure consultant laws, deceptive trade practices acts, and licensing requirements. Always consult a local attorney or your state attorney general before making decisions about distressed real estate.
For any state-specific question, your state attorney general's consumer protection division is the right starting point: naag.org/find-my-ag.