Massachusetts General Laws

Mass. Gen. Laws ch. 183C, § 18 (2026)

Relief; remedies

✓ current as of July 2026

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Section 18. (a) A violation of this chapter shall constitute a violation of chapter 93A.

(b) An aggrieved borrower or borrowers may bring a civil action for injunctive relief or damages in a court of competent jurisdiction for any violation of this chapter.

(c) In addition the court shall, as the court may consider appropriate: (1) issue an order or injunction rescinding a home mortgage loan contract which violates this chapter, or barring the lender from collecting under any home mortgage loan which violates this chapter; (2) issue an order or injunction barring any judicial or non judicial foreclosure or other lender action under the mortgage or deed of trust securing any home mortgage loan which violates this chapter; (3) issue an order or injunction reforming the terms of the home mortgage loan to conform to this chapter; (4) issue an order or injunction enjoining a lender from engaging in any prohibited conduct; or (5) impose such other relief, including injunctive relief, as the court may consider just and equitable.

(d) In addition, any lender found to be in violation of this chapter shall be subject to sections 2A and 2D of chapter 167.

(e) Originating or brokering a home loan that violates a provision of this section shall constitute a violation of this chapter.

Notes of Decisions

Cited in 7 cases (3 in the last 5 years), 2008–2024 · leading case: Commonwealth v. Fremont Inv. & Loan, 897 N.E.2d 548 (Mass. 2008).

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Commonwealth v. Fremont Inv. & Loan, 897 N.E.2d 548 (Mass. 2008). “G. L. c. 183C, § 18 (a). Fremont’s mortgage loans were not “high cost home mortgage loans” governed by G.”

Mae v. U.S. Bank, N.A. (In Re Mae), 460 B.R. 1 (Bankr. D. Mass. 2011). “G.L. c. 183C, § 18(a) and (b). Chapter 183C thus gives a borrower a private right of action.”

DiMare v. Ameriquest Mortg. Co. (In re DiMare), 462 B.R. 283 (Bankr. D. Mass. 2011). “See Mass. Gen. Laws ch. 183C, § 18(a). . The Debtor asserts, however, that foreclosure was not avoided, but merely delayed as she immediately defaulted on the first payment due under the Option One loan.”

Darden v. Noyes, 27 Mass. L. Rptr. 448 (Mass. Super. Ct. 2010). “” G.L.c. 183C, §18. Because Darden does not allege a violation of §18, NE Merchants asserts that it is not liable as a broker for any violations.”

Margaly Philippe v. Wells Fargo Bank, N.a., Tr.. (Mass. App. Ct. 2024). “151B, § 9; G. L. c. 183C, § 18 (a)-(b). See also Bank of Am.”

Ruth Adjartey v. Santander Bank, N.A. (Mass. App. Ct. 2024). “151B, § 9; G. L. c. 183C, § 18 (a)-(b). See also Bank of Am.”

Wells Fargo Bank, Nat'l Ass'n, Tr. v. Esther W. Ngotho. (Mass. App. Ct. 2024). “151B, § 9; G. L. c. 183C, § 18 (a), (b), (d); Bank of Am.”

— Mass. Gen. Laws ch. 183C, § 18(a) — 2 cases

Mae v. U.S. Bank, N.A. (In Re Mae), 460 B.R. 1 (Bankr. D. Mass. 2011). “G.L. c. 183C, § 18(a) and (b). Chapter 183C thus gives a borrower a private right of action.”

DiMare v. Ameriquest Mortg. Co. (In re DiMare), 462 B.R. 283 (Bankr. D. Mass. 2011). “See Mass. Gen. Laws ch. 183C, § 18(a). . The Debtor asserts, however, that foreclosure was not avoided, but merely delayed as she immediately defaulted on the first payment due under the Option One loan.”

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