The Court of Appeals, the state's highest court, approved emergency rules to allow the hiring of part-time examiners to scrutinize paperwork.
These moves followed revelations that two Maryland foreclosure attorneys did not sign some of their affidavits but instead directed others to reproduce their signatures. An affidavit, the written equivalent of court testimony, cannot be signed on someone else's behalf.
The two attorneys submitted "corrective affidavits" acknowledging the signature problem, but it is unclear how many they filed. Judges have found hundreds in recent days. Wilner said judges also wondered if cases filed by the two attorneys or by others should have acknowledgements of affidavit problems but do not.
"Some of the judges are concerned that what has been discovered so far is only the tip of the proverbial iceberg," Wilner said Tuesday.
Those who sign affidavits must also have personal knowledge of the stated facts, which was not the case among "robo signers" at mortgage servicers handling hundreds of documents a day. That national problem — acknowledged in court depositions — also influenced the Maryland court's rule change.
The White House said Tuesday that the Financial Fraud Enforcement Task Force and the Federal Housing Administration were investigating the way institutions have handled foreclosures. That follows an announcement last week that attorney general's offices in all 50 states were launching a joint inquiry into foreclosure practices.
Robert Gibbs, the White House press secretary, said in a statement that the Obama administration is "committed to holding accountable any bank that has violated the law."
Mortgage servicers have said repeatedly that they believe the information in their affidavits is correct, even if the process was flawed. GMAC Mortgage, which had temporarily suspended evictions and foreclosure sales in 23 states, said it would move forward on individual cases as reviews were completed.
"We've been in the midst of this review for approximately two months and have found no evidence of any inappropriate foreclosures to date," said Jim Olecki, a spokesman for GMAC.
Bank of America, which had instituted a nationwide moratorium on foreclosures, said Monday that it would restart proceedings in the 23 states where it began its review. The company's inquiry will continue in the rest of the country, including in Maryland.
Advocates for homeowners have greeted mortgage servicers' assurances in recent weeks with skepticism.
"Call me crazy, but do they deserve our trust at this point? I think they've pretty much proven that we can't trust them," said Ira Rheingold, executive director of the National Association of Consumer Advocates, a nonprofit association of attorneys who represent consumers. "I can't tell you how many cases we see where they tell people, 'You owe us $10,000,' and they owe $2,000."
Gov. Martin O'Malley and the Maryland congressional delegation asked the leader of the Court of Appeals to halt foreclosures for at least 60 days. In a letter provided Tuesday to The Baltimore Sun, Chief Judge Robert M. Bell replied that he does not believe he has that authority.
But Bell noted in the letter, sent to the governor on Friday, that the court would consider changes in foreclosure rules to address "what may be a widespread problem" with documentation.
The rules approved by all six of the judges present Tuesday allow courts to charge firms foreclosing on homeowners for the cost of examiners hired to conduct reviews. Firms cannot pass the expense on to the borrowers, except in cases where reviews are needed for documents submitted by the homeowners.
Judges who come across potentially invalid affidavits can order foreclosure firms to appear in court to explain why the case should not be dismissed. The new rules make explicit the judges' right to do so. Wilner, the rules committee chairman, said members wanted to remove doubt and give judges a road map for dealing with such cases.
The rules do not require courts to conduct audits. They also do not restrict judges to reviewing cases only in which corrective affidavits have been filed. Wilner said courts might decide to examine a broader swath of foreclosure cases.