The Consumer Financial Protection Bureau issued a proposal Friday that would require mortgage servicers to provide clear monthly statements, earlier disclosures for interest rate adjustments and options to help borrowers avoid foreclosures and costly force-placed insurance.

The plan, which must be finalized by January 2013, goes beyond many of the consumer protections provided in the $25 billion national mortgage servicing settlement signed earlier this year between the five largest servicers and federal regulators. Among other things, it would force servicers to immediately credit payments to customers' accounts and provide troubled borrowers with direct access to foreclosure prevention programs.

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