From the 4th Quarter 2012 NDeX e-newsletter, The FEED: As 2012 comes to a close, the industry has experienced another year of change, and that evolution is sure to continue into the New Year. In order to address these changes—primarily regulatory—mortgage servicing professionals have adapted and business needs have shifted. NDeX has always delivered in-depth business analysis, innovative IT security and services, and consistent, accurate support of legal services. As a result, we are well equipped to meet these new mortgage servicing needs. In early 2013 and beyond, we will be unveiling new service offerings that are in line with these three differentiators. Stay tuned for exciting announcements. In the meantime, I’d like to highlight one of the many regulatory changes that will come to fruition in 2013—the California Homeowner Bill of Rights. While this is a state-specific legislation, it represents similar state and federal legislative updates that could unfold across the nation."