On the heels of its landmark Freedom Mortgage v. Engel decision, the New York Court of Appeals, responding to two certified questions from the U.S. Court of Appeals for the Second Circuit, took the opportunity to further clarify New York foreclosure law. On March 30, 2021, the high court answered the open questions of (1) what evidentiary showing a borrower must make to rebut a lender's proof of a standard office procedure to establish compliance with RPAPL 1304's notice requirement, and (2) whether lenders must provide information for all borrowers in RPAPL 1306 proof of filing statements. With respect to the first question, the court concluded, as lenders have long argued, that proof of a material deviation from a lender's routine office practice, which calls into question whether an RPAPL 1304 90-day notice was properly mailed, must be made. As for the second question, the court concluded, in another win for lenders, that lenders must furnish information for only one borrower in RPAPL 1306 proof of filing statements. The high court's answers to the Second Circuit's questions not only resolve open questions concerning RPAPL 1304 and 1306, but also, perhaps more importantly, indicate that the high court is committed to both clarifying and rationalizing foreclosure law in New York.