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Even when FSA is in the last version out of agreements into the the fresh fees program, points has resided consistent throughout the years, such as for instance undertaking one web site to possess borrowers; boosting surface all over servicers; and allowing FSA to-be a great deal more nimble and you can proper into the solving problems that develop. 18 The system, which is today known as Second Generation Financial Attributes Environment (NextGen), 19 is actually relaunched for the immediately following running into litigation and you will protests regarding servicers and you will collectors trying to manage its bottom contours. 20