Regulatory Compliance

2021 Sponsors

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MBA thanks the sponsors of  MBA's Regulatory Compliance Conference. We are grateful for their generous support.

Please email Kim Newell or call (202) 557-2791 if you are interested in becoming a sponsor.

2020 Sponsors: To see who sponsored MBA's Regulatory Compliance Conference 2020, access the list here.

4 results
  • Ballard Spahr LLP- Gold Sponsor

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    Few industries have been more impacted by the coronavirus pandemic than the mortgage sector. From Capitol Hill, where regulators have scrambled to balance the needs of homeowners and buyers with those of financial institutions, to Main Street, where protocols have had to shift to reduce possible COVID-19 transmission, the mortgage industry is changing at breakneck pace.

    Having worked with a wide range of clients in both the residential and commercial mortgage banking industries, our attorneys have the broad experience and strong industry relationships to help clients navigate uncharted territory and develop strategies for success. Our Mortgage Banking Group is part of Ballard Spahr's nationally recognized Consumer Financial Services Group. We combine broad regulatory experience with formidable skill in litigation and depth in enforcement actions and transactions. Our team represents clients worldwide, from start-ups to Fortune 500 corporations. Clients include financial institutions; mortgage lenders, brokers, and servicers; secondary-market investors; insurance companies; investment bankers; settlement service providers; auction platforms; and homebuilders. We also advise industry service providers such as technology vendors, collection agencies, document preparation companies, telemarketers, loan fulfillment companies, and trade associations.

    Compliance The Dodd-Frank Wall Street Reform and Consumer Protection Act and its establishment of the Consumer Financial Protection Bureau have expanded compliance requirements, made compliance more complex, and greatly enhanced penalties for noncompliance. More recently, we are assisting clients regarding compliance with issues involving the CARES Act as well as state, GSE and agency forbearance and loss mitigation requirements, and state work from home and related measures. Our attorneys counsel a variety of market participants on issues such as loan originator compensation and steering restrictions, loan originator overtime requirements, risk retention, repayment ability requirements, lending standards and restrictions, and disclosure requirements. We have experience assisting clients with the ever-expanding range of federal laws, including the Truth in Lending Act (TILA), the Real Estate Settlement Procedures Act (RESPA), the Fair Credit Reporting Act (FCRA), the Fair and Accurate Credit Transactions Act (FACTA), the Equal Credit Opportunity Act (ECOA), the Fair Debt Collection Practices Act (FDCPA), the Fair Housing Act (FairHA), the Home Mortgage Disclosure Act (HMDA), and the Gramm-Leach-Bliley Act (GLBA). In addition, our team regularly advises clients on applicable state laws and requirements, including those involving licensing, permissible fees, unfair practices, disclosures, advertising, and telemarketing.

    State and Federal Licensing We assist clients in acquiring and maintaining the state licenses necessary to finance, broker, and service mortgages or engage in consumer credit finance activities. We also advise clients on SAFE Act requirements; help them meet branch, loan officer, trade name, and renewal or recertification requirements; and identify and obtain licenses and approvals related to stock and asset acquisitions. In addition, we work with clients to secure approvals from federal agencies, including Ginnie Mae, FHA, and VA, and the GSEs.  

    Transactions, Due Diligence, and Audits Clients frequently call upon us to oversee transactional matters such as mergers and acquisitions, liquidations of distressed assets, purchases and sales of mortgage loans, servicing rights and other assets, formation of joint ventures and strategic alliances, and the establishment of warehousing and other credit facilities. We assist investors with due diligence, conduct audits to ensure compliance, and develop procedures when corrective action is necessary. Our attorneys have experience reviewing operations for compliance with applicable state and federal law, as well as emerging industry trends. Our attorneys have provided counsel in review of a servicer's compliance with the OCC's Consent Order related to foreclosure practices.

    Litigation When mortgage lending and servicing disputes escalate and require litigation, we have clients well covered. Ballard Spahr is home to a pre-eminent financial services litigation practice. We defend clients nationwide in class actions, single-plaintiff claims, regulatory proceedings, and other complex mortgage litigation. We often act as national coordinating counsel in defending litigation for major financial service providers, and we have handled class actions and other lawsuits involving the enforcement of contracts, challenges to contract terms, compliance challenges, insurance issues, and cases concerning RESPA, TILA, ECOA, FairHA, FCRA, FACTA, HMDA, GLBA, and state consumer protection acts. We also defend clients in administrative enforcement proceedings and investigations, including state and federal audits, fair housing and fair lending complaints and investigations, HUD RESPA enforcement actions, inspector general investigations, and Mortgagee Review Board actions. Our Mortgage Banking Group maintains strong industry relationships in both the private and public sector, and its presence in Washington, D.C., benefits clients who require experienced representation before federal agencies such as the U.S. Department of Housing and Urban Development, the Federal Trade Commission, the Federal Reserve Board, the Federal Deposit Insurance Corporation, the Office of the Comptroller of the Currency, and the Justice Department. We also represent clients before a variety of state agencies, including state attorneys general and state agencies charged with enforcing a variety of consumer finance laws. Repurchase, Coverage, and Recovery Loan repurchases are a critical issue for the mortgage and financial services industries. We help limit our clients' exposure to loss stemming from repurchase issues, from evaluating repurchase demands and calculating risk to evaluating insurance coverage, and examining any available protections.

    • Products and Services: Attorneys
    • Website: www.ballardspahr.com
    • Phone: (202) 661-2200
    • Address: 1909 K Street NW, 12th Floor Washington, DC 20006-1157
  • FTI Consulting- Gold Sponsor

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  • Goodwin Procter LLP- Gold Sponsor

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    Goodwin's 1,000 plus lawyers across the United States, Europe, and Asia excel at complex transactions, highstakes litigation, and world-class advisory services in the financial, life sciences, private equity, real estate, and technology industries. The firm's unique combination of deep experience serving both the innovators and the investors in a rapidly-changing, technology-driven economy sets Goodwin apart. To learn more, visit www. goodwinlaw.com

    • Products and Services: Attorneys
    • Website: www.goodinlaw.com
    • Phone: (212) 813-8962
    • Address: 620 8th Avenue New York City, NY 10018
  • Mayer Brown LLP- Gold Sponsor

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    • Products and Services: Attorneys
    • Website: www.mayerbrown.com
    • Phone: (202) 263-3000
    • Address: 1999 K. St NW Washington, DC 20006

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