An Obama Administration official and a Seattle attorney squared off at the American Association of Residential Mortgage Regulators annual meeting in San Francisco, with one claiming that "dual track" servicing has all but ended but the other saying that's not the case, at least not in the Puget Sound area.

Thomas Heinemann of the Treasury Department's home ownership preservation office told the conference that the Administration's Making Home Affordable Programs (HAMP) has set the standard for mortgage servicers when it comes to handling delinquent borrowers and serve as the framework by which most servicers now operate.

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