I think vetoing the bill will protect the people who are illegally, fraudulently, irresponsibly being foreclosed on. People who had been in their homes for years and were deceived and pushed into some terrible loans...the ones that were meant to fail, that investors bet on failing, and they were looking to get some equity out of their homes for remodeling or because there was a pregnancy, or for whatever reason...and loan officers were making it look so easy...you can refinance again in a couple of years, etc...and some loan officers were just as greedy as the banks by giving these loans out and telling people that their credit was bad and this was the only loan they could get..there are thousands of these kind of loans that have been foreclosed on without sometimes ever having missed a payment. These are the people that need protection. In non-judicial states people can be foreclosed on with never seeing a judge and never knowing that the servicing forecloser had no right to foreclose. The main trick that these servicing companies used to foreclose was offering the homeowner a payment plan prior to modificantion..charging them fees for those plans, then denying them and then giving them more chances...and more fees(even though they followed the plan to the t...they were always denied. )They would always say...for a 3 month plan..don’t pay the first month..skip one payment...and then they would report them to the credit bureau as late...Some got 5 or 6 payment plans..and their credit was ruined so they couldn’t even go out and refinance with another company. Same companies would put some in foreclosure while they were in a payment plan. Some never followed the foreclosure laws of respective states. No advertising. No foreclosure registered in cty records. Not giving the proper notice. And their foreclosure was based on the fees that accrued during the pretense that they were going to get a modification. There are thousands of these people. no judge in the world is going to let someone who really hasn’t made their payments for months and months get away with a produce the note strategy. First of all..they wouldn’t have the 500. to file an injunctive relief, a motion to dismiss, a restraining order...or any money to hire a lawyer...so please stop thinking that anyone is getting a free ride here..there may be a few crooks...but don’t think punishing a few crooks and passing this bill wouldn’t harm the thousands who are being screwed over by probably foreign investors who don’t give a shit about americans losing their homes.