In August, 2012 St. Louis County Council approved a law requiring banks to participate in formal mediation before foreclosing on properties on the county. In October, 2012, the Council tweaked the foreclosure rules.

The changes made include adding words that the ordinance does not provide grounds for individuals to sue banks over foreclosure sales and also gives banks extra time to hold the foreclosure sale. However, the intent of the new rules are still for help residents facing foreclosures.

The system was created after seeing the unfairness of the process and hearing from many people who lost homes after facing great hardships.

A class-action lawsuit was filed, claiming that the law constitutes an “effort to deny plaintiff and other similarly situated the right to choose when and how to exercise a lawful foreclosure remedy.” Hearings will be held to determine the outcome.