In the Liability After Foreclosure section of the CD$,$ the box next to the statement that state law might offer protection should NOT be checked if which of the following protections is the only protection available?

A prohibition in state law against the dual tracking of foreclosures

A requirement that servicers assign borrowers a single point of contact

A statute of limitations on when a creditor can seek redress

The ability to sue for violations of a state homeowner bill of rights