Financial Industry Computer Systems (FCIS) a mortgage technology specialist, enhanced its residential mortgage loan servicing software to meet the US Treasury’s HAMP requirements. The product, Mortgage Servicer, expanded its loan modification, loss mitigation programs and repayment functionality. FICS also added tracking and reporting capabilities. For programs such as payment processing, FICS modified various statements and reports to accommodate the principal forbearance amount, which helps reduce a borrower’s payment ratio. FICS added a borrower incentive program that provides an annual “pay for performance” principal credit amount to entice borrowers to keep the loan current. The program calculates incentive amounts, progress and generates reports. Write to Jon Prior.