No one feels the pressure more than Smith and his oversight office as consumer advocates, housing counselors and lawmakers have relayed to him a litany of complaints about the lenders, one year after they settled charges of “robo-signing” and other wrongdoing and foul-ups in foreclosure cases nationwide.

Eligible borrowers under the Independent Foreclosure Review, many of whom have started to get compensation checks in the mail, are quickly signing up for an online petition to have the process reinstated for those who initially applied for a review.

Now these wronged borrowers who are starting to get checks of various amounts — tied to categories of mortgage-servicer wrongdoing over which they had no control — are trying to clean up their credit reports. Once again, they are on their own.Now these recipients who are starting to get checks of various amounts — tied to categories of mortgage-servicer wrongdoing over which they had no control — are trying to clean up their credit reports. Once again, they are on their own.

There were no bank regulators at Wednesday’s second Senate hearing on “ensuring accountability and transparency in foreclosure reviews” – but there were other overseers seeking the true depth of mistakes by mortgage servicers, including a director from the Government Accountability Office (GAO).

Two years after bank regulators took their initial “enforcement” action against mortgage servicers in the mostly-defunct Independent Foreclosure Review, checks to nearly 4 million eligible borrowers have started to arrive at mailboxes nationwide. But anger persists among the recipients of these checks — the vast majority amounting to hundreds of dollars each.