Melissa Malpass

Melissa Malpass serves as Counsel in the Washington, D.C., office of Alston & Bird and advises financial institutions on compliance with federal and state consumer financial laws. She regularly counsels mortgage lenders on loan origination, including disclosures, loan originator compensation, ability-to-repay standards, and other requirements under the Truth in Lending Act (TILA), the Real Estate Settlement Procedures Act (RESPA), and Title XIV of the Dodd–Frank Act. Melissa also advises mortgage servicers on compliance with federal and state regulations governing loss mitigation and foreclosure. Melissa has extensive experience counseling financial institutions on fair lending matters, specifically with developing internal policies and procedures for compliance monitoring and training. She has advised financial institutions on regulatory compliance with federal consumer financial laws, including the prohibition on unfair, deceptive, and abusive practices. In particular, she provided regulatory guidance to financial technology companies on emerging payment systems and requirements under the Electronic Funds Transfer Act (EFTA).