SERVICES: Banks/Thrifts

  • Predatory Lending

  • Monitoring and notice to clients of new state, federal, and local legislation.
  • Predatory lending documents and calculation tools to comply with state, federal, and local legislation.
  • Calculation and analysis of points and fees and rates at flat fee per file.
  • Correspondent Lending

  • Manuals and/or charts addressing licensing, fees, disclosures, and other state and federal law compliance requirements.
  • Manuals for compliance with government-insured lending programs. Disclosures applicable to a client’s business and license status.
  • Pre-Examination Audits

  • On-site examination of client’s office to review and discuss the client’s overall operations, policies and procedures, loan files, etc.
  • Review designed to detect potential violations.
  • Written report prepared to assist client in correcting any problems noted.
  • Litigation

  • Defense of individual and class actions involving a vast array of allegations, including, but not limited to, yield spread premiums, fees, state and federaldisclosures and insurance matters.
  • Help clients respond to various levels of inquiries from state and federal regulators, and government-sponsored enterprises, both formally and informally.
  • Assist our clients in recovering losses by asserting claims against title companies, closing agents, other service providers, and downstream lenders/brokers.
  • Post-Closing And Quality Control  Reviews

  • File reviews for per file fee.
  • Predatory lending analysis and points and fees calculations.
  • Contracts

  • Negotiate and draft various agreements, such as broker agreements, purchase and sale agreements, marketing agreements, employment agreements, and warehouse agreements.
  • Provide opinion letters related to such contracts.
  • Privacy

  • Counsel clients with regard to compliance with state and federal privacy laws, such as Gramm-Leach-Bliley, Fair Credit Reporting Act, FACTA, and Red Flag Rules.
  • Product Development

  • Assist clients with state and federal law compliance as they develop new products or expand into new markets.
  • Ensure that all features of the products comply with applicable laws.
  • Draft the documents for such loan products.
  • RESPA Counseling

  • Assist clients with RESPA compliance, including how to increase loan volume while remaining compliant with Section 8.
  • Counsel clients with regard to marketing agreements, joint ventures, and other methods.
  • Training

  • Instruct client’s staff regarding state and federal law compliance.