Government Investigations and ENFORCEMENT, litigation

  • Investigations, including Civil Investigative Demands (CIDs), and enforcement before:

    • Consumer Financial Protection Bureau (CFPB)

    • Department of Housing and Urban Development (HUD)

    • Federal Housing Administration (FHA)

    • Federal and State banking agencies, and

    • Insurance commissions

  • Repurchase and indemnification demands

  • Management of local firms providing litigation services


  • De novo state licenses

    • Mortgage origination, brokerage, and servicing

    • Lead generation

    • Private student loans

    • Money transmitters

    • Installment lenders

    • Payday lenders

  • Change of control licensing approvals

  • Licensing advice


  • Federal and state issues affecting financial technology companies, including federal banking law issues, true lender issues, and state licensing issues

  • No-Action Letters requests and advocacy before regulatory agencies, including CFPB

  • Dodd-Frank Act 1032(e) trial disclosure programs

  • Privacy and data security


  • Brokerage and correspondent agreements

  • Loan purchase and sale, and mortgage servicing rights purchase and sale agreements

  • Forming joint ventures and assessing marketing services agreements (including advising on RESPA issues)

  • Outside General Counsel

Part-time General Counsel or Regulatory Counsel

  • Part-time, and as-needed services on a monthly fee basis for

    • Mortgage banking companies

    • Banks and credit unions

    • Fintech companies

    • Start-ups


  • Federal Regulatory Compliance

    • TILA

      • TRID

      • Ability-to-Repay/Qualified Mortgage

      • Loan Originator Compensation Rule

      • Mortgage Servicing

      • Appraisal and Valuation Requirements

      • Unsecured open and closed-end credit

    • RESPA

      • Section 8

        • Marketing Services Agreements (MSAs)

        • Affiliated Business Arrangements

        • Independent Valuations

      • Mortgage servicing

      • Escrows

      • Other issues

    • HMDA

    • UDAAP

      • Reviews and Assessments

      • Consumer testing and design

    • FCRA

    • Fair Lending

      • Assessments

      • Compliance

    • Privacy

      • GLBA (privacy, data security, and marketing)

      • State law analysis

    • Debt Collection

    • SAFE Act

  • State Regulatory Compliance

    • High-cost loan laws

    • Usury laws

    • Consumer credit codes

    • Any other regulatory requirements

  • Electronic Closings and Mortgages

    • E-Sign Act and UETA

    • Remote Notarization laws

  • Compliance management system (CMS) development

  • FHA, VA, Fannie Mae, Freddie Mac requirements

  • Mock CFPB/federal and state regulatory examinations


  • On-site training and guidance on TRID, RESPA section 8, and other regulatory issues

  • Online webinars designed for your organization’s needs