I live in a condominium. My mortgage provider ( New American Mortgage ) requires proof of HOA insurance. The mortgage provider sent a letter ( via post ) that stated that since they did not have this proof, they were going to purchase the insurance and charge me for it. My complaints are:1. The notice was sent by post, not email ( even though I have signed up for all contacts via email ). 
2. There was nothing in the letter that indicated there was any grace period ( it was dated the day after the prior policy expired ). 

When I complained to the mortgage company, they told me that they had to mail the letter, could not send an email, and that the verbiage was dictated by the CFPB. 
If this statement is true, then I would like the CFPB to change their guidelines to allow email, and allow the specification of a grace period. If this is not true, then I would like the CFPB to make it clear to the mortgage providers that they have these options ( I would also like to know so I can call their bluff. 
