Compliance

  • Advise banks, lenders, loan servicers, and other financial institutions on federal and 50 states’ lending and loan servicing laws, including TILA, RESPA, ECOA, HMDA, FCRA and others governing privacy, licensing, marketing, disclosures, loan programs, compensation and more.
  • Prepare compliance charts and outlines.
    • Fees
    • Interest and usury
    • Predatory thresholds
    • Disclosures (pre-closing, closing and servicing)
    • Record keeping
    • Reporting
    • Advertisements
    • Telemarketing
    • Collections
  • Test systems.
  • Counsel title companies, title agents, closing attorneys, real estate brokers and other settlement service providers on RESPA, closing practices and licensing.
  • Perform fair lending, fair servicing and other compliance examinations.
  • Draft and review compensation plans and agreements.
  • Prepare and review policies, procedures, documents and disclosures for legal compliance.
  • Review websites, marketing initiatives and advertisements.
  • Counsel clients on compliance management, vendor management and other best practices.
  • Assess risks related to operations, products and services.
  • Draft disclosures and notices required by federal law and the laws of all states.
  • Conduct training.
  • Prepare licensing applications and government reports.