Jennifer L. Dozier

Jennifer Dozier



Jennifer L. Dozier focuses her practice in lending compliance, particularly predatory lending and other multi-state lending origination and servicing issues. On behalf of the firm’s clients, Ms. Dozier manages the legislative monitoring and reporting activities related to federal and state legislation, including implementing administrative regulations. She received her B.A. in Political Science from the University of Georgia in 2002. She received her J.D. from the University of Mississippi School of Law in 2005. While at Ole Miss, Jenny served as a member of the Mississippi Law Journal. Jenny is admitted to practice in Georgia.


University of Mississippi School of Law, Oxford, MS, J.D. 2005
Member, Mississippi Law Journal

University of Georgia, Athens, GA, B.A. 2002

Focus of Practice

Lending Compliance:

  • Advise banks, lenders, loan servicers, and other financial institutions on multi-state and federal lending and loan servicing laws, including, but not limited to, the Dodd-Frank Act, RESPA, TILA, ECOA, HMDA, FCRA, SAFE Act, “anti-predatory lending,” licensing, usury, loan documentation, disclosures, loan programs and compensation;
  • Monitor federal and state legislative and regulatory developments impacting financial services industry;
  • Advise mortgage brokers on state and federal laws applicable to their businesses;
  • Manage firm’s legislative monitoring service and advise clients on statutory and regulatory changes;
  • Draft and review loan origination, security and servicing documents, disclosures and notices;
  • Prepare state licensing applications and reports for lenders and mortgage brokers;
  • Respond to examinations by state and federal regulators; and
  • Audit loan files for compliance with applicable laws.

General Corporate/Business:

  • Draft and negotiate contracts, including, but not limited to, marketing agreements, warehouse financing agreements, loan purchase and sale agreements, asset sale agreements, correspondent agreements, broker agreements, servicing agreements, processing agreements, and other service agreements and leases.
  • Prepare opinion letters in connection with loan sale agreements and warehouse line of credit agreements.
  • Prepare loan documents.
  • Prepare and file security documents.

Privacy and Marketing:

  • Advise financial service providers and vendors for the financial services industry concerning state and federal privacy laws, including the Gramm-Leach Bliley Act and information safeguarding requirements;
  • Review advertisements for compliance with state and federal law; and
  • Draft privacy notices and Red Flags Rules programs.

Auto Dealer Compliance:

  • Advise dealer clients regarding state and federal law compliance; and
  • Review and draft legislation for automobile trade group.
Professional Leadership
  • Admitted to Practice in Georgia
  • State Bar of Georgia – Member
  • American Bar Association – Member
    • Young Lawyers Division
  • “TRID Revisions – The Bottom Line Impact on Operations,” AgFirst 2018 Compliance Conference, Orlando, Florida, March, 2018.
  • “TRID Update 2017: Final Implementation,” CBANC Network Webinar, October 2017.
  • “The CFPB’s New HMDA Rule and How To Gear Up For Compliance,” CBANC Network Webinar, July, 2016.
  • “Interpreting the CFPBs Mortgage Data Collection Rule (HMDA) and How to Gear Up For Compliance,” American Conference Institute’s 20th National Forum, Residential Mortgage Conference, Washington, D.C., April, 2016.
  • “Flood Insurance Regulations,” MBA CUREN Conference Call, April, 2016.
  • “TRID Implementation – Six Month Check-Up,” AgFirst 2016 Compliance Conference, Ashville, North Carolina, March, 2016.
  • “Overview of the TILA-RESPS Integrated Disclosures,” Augusta Mortgage Bankers Association, November, 2015.
  • “Higher Priced Mortgage Loans Refresher and Updates,” AgFirst 2015 Compliance Conference, Charleston, South Carolina, March, 2015.
  • “The Impact of the CFPB’s 2013 Regulations on You,” Institute of Continuing Legal Education in Georgia, Commercial Real Estate Seminar, Atlanta, Georgia, November, 2013.
  • “Essentials of the Ability to Repay Exceptions, Points and Fees, and a Dash of QRM,” webinar presented for the National Association of Professional Mortgage Women, Atlanta, Georgia, October, 2013.
  • “Qualified Mortgages and Qualified Residential Mortgages: New and Proposed Rules,” presented at Federal Financial Institutions Examination Council, Supervisory Updates & Emerging Issues for Large, Complex Financial Institutions, Arlington, Virginia, July, 2013.
  • “Final Rules Issued by the CFPB,” presented to Georgia Real Estate Closing Attorneys Association, Atlanta, Georgia, April, 2013.
  • “Mortgage Law Update,” presented to Southeast CUREN Conference, Atlanta, Georgia, October, 2012.
  • “Legal Compliance Update,” presented to Mortgage Bankers Association of Georgia Education Summit, Atlanta, Georgia, October, 2012.
  • “Reducing Litigation and Regulatory Enforcement Risk by Prudent Review of Servicing Policies and Procedures,” 2011 CRA & Fair Lending Colloquium, Baltimore, Maryland , November, 2011.
  • “Help Wanted: Loan Officer to Originate Loans under Dodd-Frank,” Wolters Kluwer Webcast, May, 2011.
  • “Red Flags Rules, Privacy Forms and Risk-Based Pricing Notice,” presented to The Georgia Independent Automobile Dealers Association, 2010-2011.
  • “Federal and State Legislative Updates,” presented to the National Association of Professional Mortgage Women, Atlanta, Georgia, May, 2009.
  • “The New HOEPA Rules: What You Need to Know,” Allregs Audio Conference, March, 2009.
  • “Red Flags Rules Compliance,” presented to the Georgia Independent Automobile Dealers Association, 2008-2009.
  • “Proposed RESPA Rules Changes,” presented at the LandAmerica Seminar, Atlanta, Georgia, November, 2008.
  • “Proposed RESPA Rules,” presented to the Georgia Real Estate Closing Attorney Association, Atlanta, Georgia, May, 2008.
  • Therese G. Franzen et al., Chapter 4 Annual Percentage Rates, in The Law of Truth in Lending: An Update of Truth in Lending 255-318 (Alvin C. Harrell, ed., Section of Business Law, American Bar Association, 2014).
  • “Mortgage Lending Developments: A New Era of Regulation,” The Business Lawyer, 2012 (submitted)
  • “Mortgage Lending Developments: A New Federal Regulation and Mortgage Reform Under the Dodd-Frank Act,” The Business Lawyer, February 2011
  • “Dos and Don’ts When Advertising Closed-End Credit Under Regulation Z,” Document Systems, Inc., July 2010
  • “HUD Publishes Final Rules Regarding Net Worth and Supervision Requirements,” Document Systems, Inc., May 2010
  • “Developments in State and Federal Mortgage Lending Laws: Predatory Lending and Beyond,” The Business Lawyer, February 2010
  • “Mortgage and Predatory Lending Law Developments,” The Business Lawyer, February 2009
  • “Are Nontraditional Mortgages Too Exotic for Consumers? – The Regulators’ Perspective,” The Review of Banking & Financial Services, December 2006
  • “Annual Percentage Rates,” American Bar Association Rohner and Miller Truth
  • in Lending Book, 2005-2009 Submitted (Supplement, Chapter 4)
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