This is the site of the independent Monitor appointed under the Settlement Agreement between the State of New York and Morgan Stanley, resolving, among other issues, claims related to Morgan Stanley's practices concerning residential mortgage-backed securities. The Settlement Agreement provides that the Monitor shall be fully independent although paid by Morgan Stanley. In this capacity, the Monitor is not representing either of the settling parties and cannot represent or provide legal or tax advice to individual homeowners. Neither of the settling parties is able to direct or control the Monitor's work or his exercise of discretion. Homeowners considering seeking mortgage modifications or other relief from Morgan Stanley under the Settlement Agreement may wish to obtain legal or tax advice from a lawyer or tax advisor of their own selection. Individual homeowners who desire such assistance but who do not know where to obtain it or cannot afford it may visit sites found on Additional Resources.