NEW YORK (CNNMoney.com) -- As the foreclosure crisis continues unabated and the midterm elections approach, at least 12 states have issued guidelines that address the complicated issue of voting while in foreclosure.
Voters are required to register to vote in the county in which they live, but for individuals in the middle of a messy foreclosure, residency is sometimes difficult to pin down as they bounce from rental to rental or crash with family or friends.
In Ohio, where roughly 7% of homes are in foreclosure, the Ohio Secretary of State released a statement that county boards of election "may not cancel an Ohioan's voter registration based solely on the fact that the person is involved in the foreclosure process. The filing of a foreclosure action does not affect a voter's right to vote until there is a final judgment entry."
Each state sets its own rules, but the bottom line is this: Owning a home in foreclosure doesn't affect your right to vote, but it might affect where you vote. So be prepared when you head to the polls.
"Our big concern is that people are just confused about what their rights are," says Robert Brandon, president of the Fair Elections Legal Network, a liberal leaning election rights group. "We wanted to clarify that they were still going to be able to vote."
Concerns over voters in foreclosure being turned away at the polls -- or having their votes disqualified in case of a recount -- date to the 2008 presidential race, when the Obama campaign took legal action on the issue.
The Obama campaign filed suit in federal court against a county branch of the Michigan GOP alleging the group planned to challenge votes cast by individuals who had lost their homes to foreclosure.
The local GOP denied the allegations, and both the Democratic National Committee and the Republican National Committee later agreed that voting eligibility cannot be challenged due to a foreclosure.
That was two years ago, and while the politically motivated threats around the issue of foreclosure and voting rights have subsided, the foreclosure steamroller continues. According to a Morgan Stanley analyst report, more than 3 million homes are in foreclosure -- and that's a massive number of votes.
While each state sets its own rules, the United States Election Assistance Commission has issued some general guidelines:
For more information on how to check the rules in your state, click here.
|Overnight Avg Rate||Latest||Change||Last Week|
|30 yr fixed||3.93%||3.87%|
|15 yr fixed||2.99%||3.03%|
|30 yr refi||4.03%||3.93%|
|15 yr refi||3.08%||3.07%|
Today's featured rates:
Black Friday and holiday shopping deals from retailers such as Walmart, Target, Toys "R" Us and Macy's. More
Brazilian police arrested a prominent senator and billionaire CEO for interfering in the investigation of Petrobras, which has pushed Brazil into recession. More
Watsi crowdfunds donations to cover healthcare costs of those in need. And it's seeing a surprising trend: micro-donations via the popular Chinese social networking app, WeChat. More
Some of the coolest toys this year are from small businesses. Here are 10 hot toys that just might be a smash hit this holiday season. More
American consumers saved more in October compared to a year ago -- a sign of a behavioral shift in consumer spending. More