• Oregon watched states that have tried foreclosure mediation before it enacted a new law that lets a homeowner invoke mandatory mediation and  a face-to-face meeting with the lender.
• Homeowners have limits: They have to ask for mediation within a fixed time window, and they have to pay $200 for the process.
• The lender must suspend the forclosure process if a borrower invokes the right to mediation after being deemed "at risk."

From the article:

A foreclosure mediation program enacted by the Oregon State Legislature took effect Wednesday, providing distressed borrowers in the state with another avenue to remain in their homes.