A subject matter expert in the laws and regulations impacting mortgages, her ability to translate her knowledge into operational terms that the business can understand is tremendous.Chambers USA
Michelle L. Rogers
Partner
Biography
Michelle L. Rogers represents institutions in a wide range of litigation matters, including government enforcement actions, class action litigation, regulatory examinations, and internal investigations.
A Partner in the Washington, D.C., office of Buckley LLP, Ms. Rogers has represented clients in matters involving the Department of Justice (DOJ); the Consumer Financial Protection Bureau (CFPB); federal and state bank regulators; the Department of Housing and Urban Development (HUD); the Department of Veteran Affairs (VA); the Federal Housing Finance Agency (FHFA); the Government National Mortgage Association (Ginnie Mae); and state attorneys general, and in cases involving the False Claims Act (FCA); Program Fraud Civil Remedies Act (PFCRA); Financial Institutions Reform, Recovery, and Enforcement Act (FIRREA); Truth in Lending Act (TILA); Fair Housing Act (FHAct); Equal Credit Opportunity Act (ECOA); Civil Rights Act; Community Reinvestment Act (CRA); and unfair, deceptive, or abusive acts or practices (UDAP and UDAAP) statutes under the Dodd-Frank Wall Street Reform and Consumer Protection Act, Section 5 of the Federal Trade Commission (FTC) Act, and various state laws. She also has extensive experience managing complex discovery and production issues, including using advanced analytics.
Her recent work includes:
- Ongoing FCA and FIRREA investigations by the DOJ, various U.S. attorneys’ offices, HUD, VA, and the FHFA concerning compliance with the Fair Housing Administration (FHA) Direct Endorsement Lender program guidelines, VA loan requirements, and Fannie Mae and Freddie Mac origination and servicing guidelines
- CFPB examinations and pre-enforcement and enforcement matters, including managing self-disclosures and responding to Proposed Action and Request for Response (PARR) and Notice and Opportunity to Respond and Advise (NORA) letters
- Multi-agency and multistate investigation and examination matters, including with various state regulators and state attorneys general, and other federal agencies, including the FTC and the Federal Communications Commission (FCC)
- Assisting clients with PFCRA cases, proposed notices of termination, proposed administrative actions and sanctions, and audit responses concerning FHA, VA, and Fannie Mae and Freddie Mac loans, as well as Ginnie Mae securitizations, including before the Office of the Inspector General (OIG), Office of General Counsel (OGC), HUD’s Mortgagee Review Board and Quality Assurance Division, and the FHFA
- Confidential bank regulator enforcement matters, including referrals to the DOJ for alleged fair lending violations, and challenges to and appeals of supervisory ratings assigned by bank regulators
- Advising both established clients and startups on the application of federal rules governing electronic payments, state and federal money transmitter laws, compliance with Bank Secrecy Act/anti-money laundering (BSA/AML) laws and regulations, and the structuring and negotiation of critical third-party relationships
- Counseling providers of electronic prepaid and stored value products at the beginning stages of program development and throughout the full product life cycle, advising along the way on marketing and consumer protection strategies, state licensing, federal registration, required disclosures, privacy issues, strategic partnerships, and many other areas
Although much of Ms. Rogers’ work is nonpublic, some of her more recent public matters include:
- Representations of three major banks — BB&T, Regions Bank, and IberiaBank — in successful resolutions of multi-year FCA investigations concerning FHA lending, reaching agreements with the DOJ and HUD that included no admission of liability, no administrative sanction, no prospective relief, and of the three matters, two settlement payments that remain the lowest amount paid by any bank to date for comprehensive conduct
- Representation of Verizon Wireless in a settlement with the CFPB, FCC, and 51 attorneys general alleging that Verizon Wireless permitted third parties to place unauthorized charges on consumers’ wireless phone bills
An acknowledged authority in her field, Ms. Rogers has been recognized by Chambers USA for Nationwide Financial Service Regulation: Banking (Enforcement & Investigations), Legal 500 for Financial Services: Litigation and Financial Services: Regulation, Super Lawyers for Banking, and Best Lawyers for Litigation - Banking and Finance (2019). Ms. Rogers is a member of Buckley’s partner Board. Prior to joining the firm as a founding member in 2009, she was an Associate at Skadden, Arps, Slate, Meagher and Flom, LLP. Ms. Rogers received a J.D. from the American University, Washington College of Law (summa cum laude), and a B.A. from Franklin and Marshall College (magna cum laude, Phi Beta Kappa).
A subject matter expert in the laws and regulations impacting mortgages, her ability to translate her knowledge into operational terms that the business can understand is tremendous.Chambers USA
Webcasts & Speaking Engagements
2017 RegList Workshop - Winter Edition: CFPB Enforcement - Don't Pack Your White Box...Yet
Michelle Rogers discussed "CFPB Enforcement - Don't Pack Your White Box…Yet" at the 2017 RegList Workshop - Winter Edition in San Diego, CA, on Thursday, February 2, 2017. Click here to learn more about the event .
Speaking EngagementBuckley Sandler Webcast: Are You Ready? FHA Annual Recertification Is Just Around the Corner
The Federal Housing Administration’s (FHA) annual recertification deadline is around the corner and the certification language is new. Are you ready? Join a guest speaker from FHA’s Lender Approval and Recertification Division, and Buckley Sandler partners Michelle Rogers , Melissa Klimkiewicz ,...
WebcastBuckley Sandler Webcast: How Compliance and Cross-Selling Co-Exist - Incentive Compensation, Sales Practices, and Compliance Management
With heightened scrutiny by financial regulators of sales practices and unauthorized account opening, banks are preparing for protracted and expansive internal and external assessments of their policies and practices in these areas. As the list of financial regulators scrutinizing these programs...
WebcastMBA Regulatory Compliance Conference: The Essentials VI - CFPB Examination and Enforcement Process
Michelle Rogers spoke on "The Essentials VI - CFPB Examination and Enforcement Process" panel at the MBA Regulatory Compliance Conference on Sunday, September 18, 2016, in Washington, DC. Click here to learn more about the event.
Speaking EngagementBuckley Sandler Webcast: CFPB Mortgage Servicing Rules: Amendments and Exam and Enforcement Trends
On August 4, the CFPB released the long-anticipated amendments to its mortgage servicing rules under the Truth in Lending Act and Real Estate Settlement Procedures Act. In addition to expanding the scope of the loss mitigation and periodic statement requirements, and making other substantive...
WebcastLoan Protector Client Conference: Mortgage Servicing
Michelle Rogers spoke about mortgage servicing at the Loan Protector Client Conference on Monday, August 29, 2016. Click here to learn more about the event .
Speaking EngagementACI's 26th National Conference on Consumer Finance Class Actions & Litigation: Fair Lending Litigation and Enforcement Issues
Michelle Rogers spoke at ACI's 26th National Conference on Consumer Finance Class Actions & Litigation on Friday, July 29, 2016 in Chicago, IL. Her panel was titled "Fair Lending: Managing and Defending Against Claims of Discriminatory, Predatory, and Abusive Lending and Assessing the Status of...
Speaking EngagementABA Briefing: Regulatory Hot Spots in Mortgage Origination and Servicing
Michelle Rogers spoke on the ABA Briefing "Regulatory Hot Spots in Mortgage Origination and Servicing," on Wednesday, June 29, 2016. There is no doubt…regulators have a renewed focus on mortgage-related compliance. This briefing will cut to the chase and highlight mortgage issues that are coming up...
Speaking EngagementABA's Regulatory Compliance Conference: Keep Your Eyes on the Horizon
Ben Olson, Andrea Mitchell, and Michelle Rogers spoke at the ABA's Regulatory Compliance Conference on Tuesday, June 14, 2016 in San Diego, CA. Their panel was titled, "Keep Your Eyes on the Horizon: Prepare Your Bank for the Next Wave of CFPB Rules and Enforcement Action." Click here to learn more...
Speaking EngagementAmerican Bar Association Consumer Financial Services Committee Monthly Call-In Program
Michelle Rogers, Ross Morrison, and Melissa Klimkiewicz spoke on the American Bar Association's Consumer Financial Services Committee Monthly Call-In Program on Wednesday, May 25, 2016. Their panel was titled "Litigation and Enforcement Update: Applying the False Claims Act and FIRREA to Mortgage...
Speaking EngagementInside Mortgage Finance's CFPB Checkup Checklist: Best Practices Before, During and After a CFPB Exam
Michelle Rogers spoke on the Inside Mortgage Finance's webinar, "CFPB Checkup Checklist: Best Practices Before, During and After a CFPB Exam," on Thursday, May 19, 2016. Click here to learn more about the event.
Speaking EngagementBuckley Sandler Fair Lending Today 2016 Conference: Mortgage Originations and Servicing Update
Jeffrey Naimon and Michelle Rogers presented a “Mortgage Originations and Servicing Update” at Buckley Sandler’s eighth annual Fair Lending Today Conference on Monday, March 14, 2016 in Washington, DC.
Speaking EngagementBuckley Sandler Webcast: FHA Annual Recertification - Are You Prepared?
The Federal Housing Administration’s ("FHA") annual recertification deadline is fast approaching. Are you prepared? Join Buckley Sandler attorneys Michelle Rogers , Melissa Klimkiewicz , and Katy Ryan as they help mortgagees navigate the FHA annual recertification process. After several years of...
WebcastBuckley Sandler CFPB Today Conference 2015: Mortgage Servicing
Benjamin Olson and Michelle Rogers spoke at the Buckley Sandler CFPB Today 2015 conference on Monday, October 26, 2015 in Washington, DC. Their panel was titled “Mortgage Servicing.”
Speaking EngagementBuckley Sandler CFPB Today Conference 2015: Examination Themes, Trends, and Hot Topics
Melissa Klimkiewicz, John Kromer, Andrea Mitchell, and Michelle Rogers spoke at the Buckley Sandler CFPB Today 2015 conference on Monday, October 26, 2015 in Washington, DC. Their panel was titled “Examination Themes, Trends, and Hot Topics.”
Speaking EngagementBuckley Sandler CFPB Today Conference 2015: Mortgage Origination
John Kromer, Benjamin Olson, and Michelle Rogers spoke at the Buckley Sandler CFPB Today 2015 conference on Monday, October 26, 2015 in Washington, DC. Their panel was titled “Mortgage Origination.”
Speaking EngagementMoney Transmitters Regulators Association's 25th Annual Conference
Michelle Rogers spoke at the Money Transmitters Regulators Association’s 25 th Annual Conference October 6-9, 2015 in Kansas City, MO. She discussed money transmitters and CFPB enforcement activities. Click here to learn more about this event...
Speaking EngagementMortgage Bankers Association Regulatory Compliance Conference 2015: Litigation Forum 2 - Other Agency Enforcement
Michelle Rogers spoke at the Mortgage Bankers Association's Regulatory Compliance Conference on Sunday, September 20, 2015. Her panel was titled, "Litigation Forum 2 - Other Agency Enforcement."
Speaking EngagementNational Business Institute Webinar: Coping with the RESPA & TILA Mortgage Servicing Requirements and Navigating the CFPB Examination Process
Michelle Rogers and Josh Kotin spoke on the National Business Institute webinar, “Coping with the RESPA & TILA Mortgage Servicing Requirements and Navigating the CFPB Examination Process,” on Tuesday, June 23, 2015. Click here to learn more about this event...
Speaking EngagementAmerican Bankers Association Regulatory Compliance Conference Power Breakfast: Enforcement Trends in Fair Lending and UDAAP - Are You Left Exposed?
Andrea Mitchell and Michelle Rogers spoke at the American Bankers Association Regulatory Compliance Conference Power Breakfast on Tuesday, June 16, 2015 in Washington, DC. Their presentation was titled, "Enforcement Trends in Fair Lending and UDAAP - Are You Left Exposed?" In today’s regulatory...
Speaking EngagementBuckley Sandler Fair Lending Today Conference: Supervisory and Enforcement Developments in Mortgage Originations and Servicing
Matthew Previn and Michelle Rogers spoke at the firm’s 2015 Fair Lending Today Conference on Monday, March 16 in Washington, DC. Their panel was titled, “Supervisory and Enforcement Developments in Mortgage Originations and Servicing.”...
Speaking EngagementBuckley Sandler Webcast: Is it Groundhog Day? FHA Recertification Language Changes Again
It has been more than 20 years since Bill Murray played Phil Connors – the Groundhog Day character who wakes up on February 2nd over and over and over. When preparing your annual FHA certifications, it may feel like you have more in common with Phil Connors than you care to admit. Early this year,...
WebcastBuckley Sandler CFPB Today Conference: Examination Themes, Trends & Hot Topics
Buckley Sandler presented its inaugural CFPB Today conference on October 6, 2014 in Washington, DC. Andrea Mitchell, Jeffrey Naimon and Michelle Rogers spoke on the "Examination Themes, Trends & Hot Topics" panel, which was moderated by John Kromer.
Speaking EngagementThe CFPB's Expanding Oversight of Auto Finance, Part I
John Redding, Michelle Rogers, and Marshall Bell presented a Buckley Sandler webcast titled "The CFPB's Expanding Oversight of Auto Finance - Part I" on October 1, 2014. During its September 18th field hearing, the CFPB announced that its supervisory reach is expanding to include non-bank "larger...
WebcastBuckley Sandler Webcast: Bank Mortgage Servicing & The False Claims Act - Practical Ways Servicers Can Minimize Their Risks
Andrew Schilling, Michelle Rogers and Ross Morrison presented a Buckley Sandler webcast titled "Bank Mortgage Mortgage Servicing & The False Claims Act - Practical Ways Servicers Can Minimize Their Risks" on September 30, 2014. As whistleblowers continue to file False Claims Act (FCA) lawsuits...
Webcast
In The News
Buckley announces name and leadership changes
WASHINGTON, DC (Jan. 17, 2019) – Buckley Sandler LLP, a premier national law firm focused on financial services, white collar defense, and complex civil litigation, has changed its name to Buckley LLP and reorganized its governance structure and leadership team. The decision to shorten the firm’s...
Press ReleasesBuckley Sandler and its founding profiled in Law360
The firm was profiled in a Law360 article, "Too small to fail?" which discussed the creation of Buckley Sandler and its success over the past decade. Click here to read the full article . Originally published in Law360; reprinted with permission.
In The NewsThe Legal 500 2018 recognizes five practice areas and 17 attorneys at Buckley Sandler
Buckley Sandler LLP again has been noted as one of the nation’s top law firms by The Legal 500 in its 2018 rankings, with recognition in five practice areas:
- Financial Services: Litigation
- Financial Services: Regulation
- Corporate ...
Buckley Sandler recognized by Chambers USA as “an excellent firm” with “a fine stable of expert attorneys”
Buckley Sandler once again has received top recognition in financial services regulation and white collar crime/government investigations from Chambers USA, which ranks the country’s leading firms and lawyers in a range of practice areas by researching the firms and interviewing...
AnnouncementsMichelle L. Rogers Quoted in Reuters Wire story, “U.S. States Gird for Fight as Trump Targets Consumer Finance Watchdog”
Michelle L. Rogers was quoted on December 1, 2017 in a Reuters wire story, “U.S. States Gird for Fight as Trump Targets Consumer Finance Watchdog,” which discussed how changes in Consumer Financial Protection Agency leadership might affect state enforcement initiatives. The article stated, “When it...
In The NewsMichelle L. Rogers Quoted in Reverse Mortgage Daily Article, "Waters’s Reverse Mortgage Foreclosure Bill Unlikely to Pass"
Michelle L. Rogers was quoted on November 20, 2017 in a Reverse Mortgage Daily article, “Waters’s Reverse Mortgage Foreclosure Bill Unlikely to Pass,” which discussed the introduction of a mortgage foreclosure bill that is predicted not to pass. The article stated, “Rep. Maxine Waters brought the...
In The NewsBest Lawyers in America Recognizes 11 Buckley Sandler Partners for 2018
Buckley Sandler is pleased to announce that 11 of its partners have been recognized by their peers for inclusion in Best Lawyers in America® 2018.
Partners Andrew L. Sandler,...
AnnouncementsThe Legal 500 2017 Recognizes Four Practice Areas and 20 Attorneys at Buckley Sandler
Buckley Sandler has again been cited as one of the nation’s top law firms by The Legal 500 in its 2017 rankings, with the recognition of four practice areas:
- Financial Services: Litigation
- Financial Services: Regulatory
- Cyber Law (Data Protection and ...
Michelle Rogers Profiled in Law360's Rainmaker Q&A Series
Michelle Rogers was profiled by Law360 in a "Rainmaker Q&A" where she spoke about client service and delivering results on Tuesday, November 22, 2016. Q: What skill was most important for you in becoming a rainmaker? A: Listening — to clients, colleagues and myself. First and foremost, this job...
In The NewsBen Olson and Michelle Rogers Quoted in Inside Mortgage Finance Article, "CFPB Is Now Examining for TRID Compliance. Does This Mean the Grace Period is Over? We'll See"
Ben Olson and Michelle Rogers were quoted in Thomas Ressler's Inside Mortgage Finance article, "CFPB Is Now Examining for TRID Compliance. Does This Mean the Grace Period is Over? We'll See," on May 26, 2016. Examination reviews by the Consumer Financial Protection Bureau for compliance with the...
In The News23 Buckley Sandler Attorneys Named To 2016 Washington, DC Super Lawyers and Rising Stars Lists
Super Lawyers is a rating service of outstanding lawyers from more than 70 practice areas who have attained a high degree of peer recognition and professional achievement. The selection process is multi-phased and includes independent research, peer nominations, and peer evaluations. We are proud...
In The NewsBuckley Sandler Hosts Eighth Annual Fair Lending Today Conference
Buckley Sandler LLP hosted its eighth annual Fair Lending Today conference in Washington, DC on March 13-14, 2016. The two-day event featured an evening of interactive roundtable discussions on fair lending issues, followed by a full day of seminars. The sessions were led by Buckley Sandler...
In The NewsBuckley Sandler Hosts 2nd Annual CFPB Today Conference
Buckley Sandler LLP hosted its second annual CFPB Today conference in Washington, DC October 25-26, 2015. The two-day event featured an evening of interactive roundtable discussions on CFPB trends, followed by a full day of seminars and breakout sessions. The roundtables and seminars were led by...
Press Releases22 Buckley Sandler Attorneys Named to 2015 Washington, DC Super Lawyers and Rising Stars Lists
Super Lawyers is a rating service of outstanding lawyers from more than 70 practice areas who have attained a high degree of peer recognition and professional achievement. The selection process is multi-phased and includes independent research, peer nominations, and peer evaluations. We are proud...
Press ReleasesBuckley Sandler Hosts Annual Fair Lending Today Conference
Buckley Sandler LLP hosted its annual Fair Lending Today conference in Washington, DC, March 15-16, 2015. The two-day event featured an evening of interactive roundtable discussions on fair lending issues, followed by a full day of seminars. The roundtables and seminars were led by Buckley Sandler...
Press ReleasesMichelle Rogers Quoted in Compliance Week Article, "FCA's Reach, Power Only Get Bigger"
Michelle Rogers was quoted in Jaclyn Jaeger's Compliance Week article, "FCA’s Reach, Power Only Get Bigger," on January 21, 2015. The scope of FCA enforcement doesn’t apply to just big banks. “Any financial institution that participates in a government program is susceptible to claims that they...
In The NewsMichelle Rogers and Jeffrey Naimon Quoted in Reverse Mortgage Daily Article, "The Opportunity Behind the CFPB's Consumer Complaint Database"
Michelle Rogers and Jeffrey Naimon were quoted in Cassandra Dowell's Reverse Mortgage Daily article, titled "The Opportunity Behind the CFPB's Consumer Complaint Database," on December 8, 2014. The Consumer Financial Protection Bureau (CFPB) recently published a notice that the bureau is developing...
In The NewsBuckley Sandler Hosts Inaugural CFPB Today Conference
Buckley Sandler LLP hosted its inaugural CFPB Today conference in Washington, DC October 5-6, 2014. The two-day event featured an evening of interactive roundtable discussions on CFPB trends, followed by a full day of seminars. The roundtables and seminars were led by approximately 30 Buckley...
In The News22 Buckley Sandler Attorneys Named to 2014 Washington, DC Super Lawyers and Rising Stars Lists
Super Lawyers is a rating service of outstanding lawyers from more than 70 practice areas who have attained a high-degree of peer recognition and professional achievement. The selection process is multi-phased and includes independent research, peer nominations and peer evaluations. In 2014,...
In The News
Articles & Special Alerts
"What to expect from increased FTC-state AG collaboration" by Michelle L. Rogers, Antonio J. Reynolds, and Katherine L. Halliday (Law360)
In prepared remarks at the winter meeting of the National Association of Attorneys General on March 5, 2019, Federal Trade Commission Chairman Joseph Simons advocated for increased collaboration with state attorneys general and noted that such collaboration is critical to the FTC’s mission. His...
Articles"FTC has big agenda for 2019. How should companies prepare?" by Michelle L. Rogers and Katherine L. Halliday (Bloomberg Law)
Federal Trade Commission Chairman Joseph Simons recently previewed an aggressive and expansive consumer protection agenda for 2019, invoking the commission’s broad powers to pursue unfair or deceptive acts or practices, and adding “fraudulent” to the types of conduct he expects to police. Among the...
Articles"7 tips for surviving FHA’s annual recertification process" by Melissa Klimkiewicz, Michelle L. Rogers, Kathryn L. Ryan, and Kathryn R. Goodman (HousingWire)
The past year brought some good news for Federal Housing Administration mortgagees, as top Department of Housing and Urban Development officials continued to urge the Department of Justice to reduce reliance on the False Claims Act in enforcing FHA program requirements. Notwithstanding this...
ArticlesC-Suite Financial Services Review: Enforcement Trends - The States Step Up
The new leadership at the Consumer Financial Protection Bureau has explicitly stated that it expects to pursue fewer enforcement actions than it has in the past. While the anticipated reduction in CFPB enforcement activity may cause some companies to feel a sense of relief, there may be less cause...
C-Suite Review"Post-crisis AG enforcement is just the beginning" by Douglas F. Gansler and Michelle L. Rogers (Law360)
UDAAP — the prohibition against unfair, deceptive, or abusive acts or practices — is now ubiquitous in government enforcement actions, due in large part to the Consumer Financial Protection Bureau ’s expansive authority under the Dodd-Frank Act. Yet, as the CFPB has reshaped much of the financial...
ArticlesAndrew L. Sandler and Michelle L. Rogers Authored a Law360 Article, "The Rise Of The Consumer"
The financial crisis had a profound impact on the regulatory structure applicable to the financial services industry and the consumer experience when purchasing financial products and services. The prudential regulation model whereby regulators worked with financial institutions to ensure safe and...
ArticlesMichelle L. Rogers and Edward W. Somers Authored a Law360 Article, "CFPB Shines Spotlight On Consumer Remittance Transfers"
The Consumer Financial Protection Bureau recently closed a 60-day public comment period on a plan to conduct an assessment of the effectiveness of its May 2013, final rule governing consumer remittance transfers under Subpart B of Regulation E (remittance transfer rule). The remittance transfer...
ArticlesRainmaker Q&A: Buckley Sandler's Michelle Rogers
Michelle L. Rogers is a partner at Buckley Sandler LLP in Washington, D.C. Rogers represents institutions in a wide range of enforcement and litigation matters, including government enforcement actions, class action litigation, regulatory examinations and internal investigations. Her breadth of...
ArticlesSpecial Alert: Election Results - Preliminary Thoughts and Reactions
As a result of last Tuesday’s election, Republicans will control the White House and both houses of Congress in 2017. It is likely there ultimately will be some significant changes affecting financial services regulation and enforcement, but they will take time to implement. The President-elect has...
ArticlesSpecial Alert: D.C. Circuit Panel Rejects CFPB's RESPA Interpretation and Alters its Structure in PHH Corp. v. CFPB
On October 11, a three-judge panel of the U.S. Court of Appeals for the District of Columbia Circuit issued an opinion vacating a $109 million penalty imposed on PHH Corporation under the anti-kickback provisions of the Real Estate Settlement Procedures Act (RESPA), concluding that the CFPB...
ArticlesSpecial Alert: CFPB Finalizes Amendments to Mortgage Servicing Rules
On August 4, the CFPB issued its long-awaited final amendments to the mortgage servicing provisions of Regulations X and Z. The Bureau had sought comment on the proposed rule in December 2014, more than 18 months ago. Spanning 900 pages, the final rule makes significant changes that will impact...
ArticlesNotice of Material Event Reporting - Pitfalls for FHA Mortgagees
With sighs of relief, the vast majority of Federal Housing Administration (FHA) mortgage insurance program participants completed the fiscal year 2015 annual recertification process. The process requires attesting to 10 broad and somewhat ambiguous statements regarding the mortgagee’s compliance...
ArticlesThe CFPB's Mortgage Originations Agenda in 2016
Now more than ever, financial services firms need to proactively focus on issues of concern identified by the CFPB and ensure that they are engaged in industry best practices that are clearly identified and carefully monitored. In the mortgage originations sphere, the new TRID/ KBYO rule, MSAs, LO...
ArticlesWhy Getting the FHA's Loan Servicing Rules 'Right' Matters
In recent years, servicing U.S. Federal Housing Administration-insured loans has become risky business. The U.S. Department of Housing and Urban Development has heightened its monitoring and enforcement, with servicers experiencing increased Quality Assurance Division (QAD) reviews, HUD Office of...
ArticlesDOJ's Pursuit of Admissions - And The Risk of Settling
On March 19, 2015, the U.S. Attorney’s Office for the Southern District of New York announced a proposed settlement of a civil fraud lawsuit against a large financial institution (bank).[1] As with many of the U.S. Department of Justice’s recent settlements, the proposed settlement includes a...
ArticlesSpecial Alert: CFPB States Supervisory Obligations Trump Nondisclosure Agreements
On January 27, the CFPB issued Compliance Bulletin 2015-01 to remind supervised financial institutions of their obligations concerning the disclosure of confidential supervisory information (CSI) to the CFPB and to third parties. Specifically, the Bulletin addresses the interaction between a...
Articles
Awards and Recognitions
Awards & Recognitions
- Best Lawyers 2019: Litigation - Banking and Finance
- Chambers USA 2018: Up and Coming, Financial Services Regulation: Banking (Enforcement & Investigations)
- Legal 500 2018: Recognized in Financial Services: Litigation, and Financial Services: Regulation
- Best Lawyers 2018: Litigation - Banking and Finance
- Legal 500 2017: Recognized in Financial Services: Litigation
- Super Lawyers 2016 Rising Star: Banking
- Super Lawyers 2015 Rising Star: Banking
- Super Lawyers 2014 Rising Star: Banking
Practice Areas
- Auto Finance
- Bank Counseling & Compliance
- Class Actions
- Complex Civil Litigation
- Congressional Investigations
- Consumer Finance
- Consumer Financial Protection Bureau
- Credit, Debit & Prepaid Cards
- E-discovery
- Enforcement Actions & Investigations
- Escheatment
- Examinations
- Fair Lending
- False Claims Act & FIRREA
- Federal Trade Commission
- Fintech
- Internal Investigations
- Mortgages
- Private Banking
- State Attorneys General
- Student Lending
- Unfair, Deceptive, or Abusive Acts or Practices
- Whistleblower
- Workplace Cultural Compliance
Education
- J.D., American University (summa cum laude, Order of the Coif)
- B.A., Franklin and Marshall College (magna cum laude, Phi Beta Kappa)
Admissions
- District of Columbia
- Virginia
- U.S. Supreme Court