Rules for Mortgage Servicers Are Criticized as Ineffective

``Consumer and housing groups were quick to find fault with the consent orders, saying they basically allowed the mortgage servicers to police themselves.. "The servicers are being asked to sign something "that says they promise to follow the laws that they have been breaking for years, with no real penalty for all of those illegal acts. And why exactly would we trust them now?" asked Melissa Huelsman, a foreclosure defense lawyer in Seattle. ''