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comply with the separate envelope requirement
-SUCH APPROACHES
-VITIATE unambiguous requirement imposed by Legislature of
separate envelope - inconsistent w/ plain language and intent
Unworkable from practical standpoint requiring courts to engage in
an exhaustive examination of whether add’l material in envelope
constitutes information relevant, helpful or prejudicial to borrower
Nothing in RPAPL 1304 prevents a lender from mailing IN OTHER
ENVELOPES notices to borrowers - whether federally mandated or
consisting of other notice or information
DISSENT VIEW OF STATUTE - common sense and strict statutory construction is
inconsistent with the majority’s view; absent an explicit prohibition against such
additional language in a valid RPAPL 1304 notice, the statute should not be
extended beyond its plain language
