Lenders who receive an enforcement action notice from the Department of Housing and Urban Development’s Mortgagee Review Board may face what could be the toughest 30 days of their lives, compliance experts say. Experts at a recent regulatory compliance conference hosted by the Mortgage Bankers Association of America agree that the 30-day period after receiving the MRB notice could be the most significant 30 days in the "lives" of FHA lenders.