STEPHENS, J.
¶ 1 In 2011, the legislature enacted the foreclosure fairness act (FFA), Laws of 2011, ch. 57, to amend the deeds of trust act (DTA), ch. 61.24 RCW. Under the FFA, the Department of Commerce (Department) administers a mediation program to encourage home loan modifications in lieu of foreclosures. In that program, a beneficiary...
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