PHH Mortgage Corporation (operating alongside its parent company Onity Group, formerly Ocwen) has historically faced various legal challenges, regulatory scrutiny, and consumer class-action lawsuits typical of large-scale mortgage servicing enterprises. These legal matters have historically involved allegations related to mortgage servicing practices, escrow administration errors, foreclosure procedures, and compliance with federal lending statutes such as the Real Estate Settlement Procedures Act and the Truth in Lending Act. While many legacy matters and state regulatory investigations have been resolved or settled over the years without admissions of liability, the company continues to manage routine legal actions, routine foreclosure proceedings, and compliance monitoring associated with its massive nationwide loan portfolio.