A covered person that becomes the owner of an existing mortgage loan by acquiring legal title to the debt (other than a servicer who only holds title as a matter of convenience) must disclose to the consumer, generally within 30 days of the acquisition, the identity of the new owner, its address and a telephone number, the date of transfer, and how to find further information about the owner (12 CFR 1026.39).
The graph holds this control, the 0 it maps to, and the evidence behind each claim, over MCP and REST.