Bradley

Bradley Arant Boult Cummings Banking & Financial Services Team offers a full spectrum of legal services to banks, bank-holding companies, and other non-bank financial institutions, such as mortgage servicers and government-sponsored enterprises. Our team of attorneys, which has seven Fellows of the American College of Mortgage Attorneys, represents many of the largest banks and mortgage servicers in the United States in the areas of regulatory, compliance, government enforcement, and litigation. Ranked in the Top 100 of the 2017 BTI Client Service A-Team, the firm places a strong emphasis on serving its clients. As such, the firm’s litigators have been involved in the defense of hundreds of cases brought against banks, consumer finance companies, and mortgage companies concerning a variety of business practices nationwide. Cases the firm has defended involve a broad range of causes of action including TILA, HOEPA, FDCPA, FCRA, RESPA, RICO, predatory lending, mortgage-related fees and services, forced-place insurance, insurance packing, and state deceptive trade practice laws. Additionally, the firm’s attorneys have litigated all facets of the mortgage industry: origination, warehouse lending, pooling and servicing agreements, investor disputes, repurchase disputes, servicing matters, commercial mortgages, settlement services issues, and mortgage fraud, as well as the defense of class actions based on similar claims. On the compliance and regulatory side, we advise clients on matters involving every aspect of their operations, from transactional and corporate issues to lending, compliance, and working with government programs. Lawyers in the group counsel mortgage companies in the areas of qualification and licensing, disclosure requirements, anti-predatory lending legislation, advertising, affiliate relationships, and complying with federal statutes and regulations. Our trial attorneys work closely with lawyers from the firm’s banking and financial services practice group to stay on top of the latest statutory and regulatory developments in this field. We also provide extensive counsel to clients in reviewing third-party vendors and legal service providers for regulatory and legal compliance, having conducted many such reviews across the country. Members of the Bradley Financial Services Litigation and Compliance Team include a certified mortgage banker, a former general counsel of HUD, a former president of Ginnie Mae, and the chair of the Defense Research Institute’s Financial Institutions and Creditor’s Rights Specialized Litigation Group.