Stabilized internal control environment that continues to develop; Continued reduction in critical and high internal audit findings; Experienced management and staff; Manageable turnover rates with exceptions of elevated turnover in certain areas of the operations; Generally competitive servicing performance metrics with industry trends; Settlement of certain high profile state, federal and investor actions outstanding, but there is ongoing regulatory scrutiny from state and federal banking and financial regulators; and Continued regulatory activitiesby the New York Department of Financial Services (NY DFS) related to its March 2017 consent order with Ocwen. S&P Global Ratings rankings on Ocwen Loan Servicing LLC (Ocwen) are AVERAGE as a residential primary, subprime, special, and subordinate-lien servicer. On Feb. 26, 2018, we affirmed these rankings (please
