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IN RE COUNTRYWIDE HOME LOANS, INC.

No. 2010-864.

35 A.3d 568 (2011)

163 N.H. 139

Appeal of COUNTRYWIDE HOME LOANS, INC. (New Hampshire Banking Department).

Supreme Court of New Hampshire.

Opinion Issued: December 28, 2011.

Attorney(s) appearing for the Case

Sulloway & Hollis, PLLC, of Concord (Martin P. Honigberg on the brief and orally), and Goodwin Procter LLP, of Boston, Massachusetts (Brook L. Ames on the brief), for the petitioner.

Atwater Law, of Rye (Krista Atwater on the brief), and Mary Stewart Law, PLLC, of Concord (Mary Frances Stewart on the brief and orally), for the respondent.

DUGGAN, J.

The petitioner, Countrywide Home Loans, Inc. (Countrywide), appeals an award by the Commissioner of the New Hampshire Banking Department to the respondent, Rachel Nicholson (the borrower), based upon claims under the Consumer Protection Act. See RSA ch. 358-A (2009 & Supp.2011). The borrower cross-appeals the amount of the award. We vacate the award.

The record supports the following facts. In January 2005, the borrower contacted Countrywide...

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