Dedicated to Helping Business Achieve

Practice Areas

General Corporate | Financial | Consumer Lending | Residential Mortgage | Regulatory Compliance

Commercial Lending | Capital Markets | Mortgage and Mfg Housing | Retail | Employment | Top

General Corporate

I have represented for-profit and non-profit businesses in all stages of development, from start-up and initial capitalization to acquisition or sale. The areas of expertise include:

• Selection of appropriate business entity
• Formation of all types of business entities
• Capitalizing businesses through debt and equity transactions
• Commercial contracts and licenses
• Corporate governance

Financial Services Practice (back to top)

I have experience in representing financial institutions, including:

• Industrial Loan Companies
• Credit Card Banks
• Consumer and Commercial finance companies
• Mortgage bankers, brokers and servicers

I also have significant experience in:

• Consumer lending
• Real estate lending
• Regulatory compliance and enforcement
• Commercial lending and leasing
• Capital markets and securitizations
• Litigation management
• Other business needs

General Corporate | Financial | Consumer Lending | Residential Mortgage | Regulatory Compliance

Commercial Lending | Capital Markets | Mortgage and Mfg Housing | Retail | Employment

Consumer Lending (back to top)

I represent consumer financial service providers in:

• Federal and state regulation of consumer credit and other financial services
• Residential mortgage lending and servicing
• Consumer loans
• Motor vehicle, aircraft, marine and boat, and manufactured housing lending and servicing
• Electronic lending
• Privacy and data security
• Credit card issuance, processing and servicing
• Loan acquisitions and sales
• Regulatory compliance and licensing
• Loan Servicing
• Securitization of consumer debt obligations

Real Estate Lending (back to top)

I have represented clients in connection with real estate financing transactions, including:

• Multi-property and multi-state financing transactions
• Acquisitions & dispositions
• Leasing
• Sale and Leaseback
• Environmental Issues
• Zoning

Regulatory, Compliance and Enforcement Counseling (back to top)

I have counseled clients in connection with federal and state laws and regulations, including:

• National Bank Act
• Depository Institution Deregulation Monetary Control Act (DIDMCA)
• Federal Reserve Act, including Sections 23A and 23B
• Federal Deposit Insurance Act
• Gramm Leach Bliley Act
• Bank Secrecy Act, including the recent USA PATRIOT Act amendments
• Community Reinvestment Act
• Consumer protection laws and regulations such as Truth in Lending, Equal Credit Opportunity, Real Estate Settlement Procedures and Fair Credit Reporting

General Corporate | Financial | Consumer Lending | Residential Mortgage | Regulatory Compliance

Commercial Lending | Capital Markets | Mortgage and Mfg Housing | Retail | Employment

Commercial Lending and Leasing (back to top)

I represent financial service providers and their customers in all types and sizes of commercial financings, including:

• Acquisition financings
• Asset-based loans
• Project financings
• Equipment leasing
• Inventory financing
• Merchant Services

Capital Markets and Securitizations (back to top)

I have represented clients in connection with a broad range of asset-backed and mortgage-backed securities, including:

• Residential mortgage loans
• Credit cards (Bank cards and Private-label cards)
• Manufactured home loans
• Equipment leases
• Motor vehicle loans
• Aircraft and marine loans
• Other consumer product loans

General Corporate | Financial | Consumer Lending | Residential Mortgage | Regulatory Compliance

Commercial Lending | Capital Markets | Mortgage and Mfg Housing | Retail | Employment

Mortgage and Manufactured Housing Lending and Servicing (back to top)

I have represented clients with all aspects of mortgage and manufactured housing products including:

Mortgage Products

• First lien
• Second lien, home equity, and Title I loans
• Sub-prime loans
• Fixed rate and variable rate loans
• Manufactured housing loans
• Re-performing and non-performing loans

Regulatory Compliance

• State licensing and regulations
• Federal regulatory compliance and due diligence review
• Preemption Issues

Securitization

• REMIC’s
• Commercial Paper facilities
• Grantor Trust & Pass-through structures

Loan Acquisitions and Sales

• Whole loan portfolio, servicing released and retained, purchases and sales
• Correspondent loan flow purchases
• Securitization MBS issuances
• Participation loan sales
• Defaulted and delinquent loan purchases and sales

Warehouse and Term Credit Facilities

• Warehouse revolving credit facilities
• Master repurchase and reverse repurchase facilities
• Commercial paper conduit facilities

Loan Servicing

• Servicing Rights acquisitions and sales
• Securitization Pooling and Servicing Agreements
• Servicing and Sub-servicing Agreements
• Servicing operations and procedures review, planning and interpretation
• Servicing regulatory compliance and licensing

General Corporate | Financial | Consumer Lending | Residential Mortgage | Regulatory Compliance

Commercial Lending | Capital Markets | Mortgage and Mfg Housing | Retail | Employment

Retail (back to top)

As an experienced senior level attorney and business executive I understand what drives a client’s bottom-line—the sale of retail products and services to the consumer. Be it regional or national, my understanding of retail is derived from years of working closely with my clients. My diverse experience brings together broad industry and legal knowledge to meet the distinct needs of the client. I am fully knowledgeable about the issues and concerns of retail and provide services, including:

• Corporate/Securities
• Tax
• Intellectual Property
• Employment
• Real Estate
• Bankruptcy
• Franchising

Employment (back to top)

I assist employers in developing comprehensive workplace strategies for limiting workplace liability. I stress a risk management approach to avoid work-related disputes and to preempt litigation and grievances, which can be costly to defend and consume valuable time, resources, and energy. These strategies include:

• Employer counseling, training and policy development
• Employment Contracts
• Employee Benefits and Executive Compensation
• Federal and state compliance including:
• Fair Labor Standards Act
• Equal Employment Opportunity Laws
• Americans with Disabilities Act
• Discrimination Claims and Investigations
• Wage and Hour disputes
• Factory closures

Diversity Training including:

• Harassment
• Risk Management
• Disability and Accommodation
• Performance Appraisals
• Conflict Management
• Corrective Action/Termination
• Legal Updates/Compliance
• Effective Communications
• Privacy