State and federal officials have failed to enact uniform mortgage-servicing standards because bankers cannot keep up with all of the additional demands the housing crisis has put on their servicing units, said Alan Kaplinsky, a Ballard Spahr partner experienced in bank regulation.

“A lot of banks have been overwhelmed by the sheer volume of contacts that consumers have made with them in the last few years,” Mr. Kaplinsky said. “The servicers have not had enough people to deal with the onslaught of contacts that they have been receiving, and it’s taken a while to catch up with everything.”

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