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Insight

Compliance Considerations After OCC Ups Fintech Scrutiny

by Jon Langlois, Max Bonici and Marisa Perfetti
5 minute read | November.03.2022

The Office of the Comptroller of the Currency recently noted bank-fintech partnerships as a key element of its fiscal year 2023 bank supervision ...

Insight

Opinion: How Mortgage Servicers Can Prepare for a Crackdown From the Consumer Financial Protection Bureau

by Sasha Leonhardt and Jon Langlois
May.21.2021

The Consumer Financial Protection Bureau is drawing a line in the sand for the mortgage servicing industry with new guidance and proposed revisions ...

Insight

Hot Topics in Debt Collection — an Analysis of Recent Federal FDCPA Litigation

57 minute watch | July.11.2019

Recent litigation is changing the analysis of whether an entity is acting as a debt collector under the federal Fair Debt Collection Practices Act.

Insight

Debt Collection, Convenience Fees, and the FDCPA

by Jon Langlois
17 minute read | June.19.2019

In the era of online banking and the Internet of Things, the ability to pay your mortgage in a manner other than sending in a paper check evidences ...

Insight

Compliance With RESPA Section 8: The Current State of Play

47 minute watch | February.06.2019

The standards for compliance with Section 8 of the Real Estate Settlement Procedures Act remain unsettled in the wake of the PHH decision and changes ...

Insight

Election Results - Preliminary Thoughts and Reactions

November.14.2016

As a result of Tuesday’s election, Republicans will control the White House and both houses of Congress in 2017. It is likely there ultimately will ...

Insight

D.C. Circuit Panel Rejects CFPB's RESPA Interpretation and Alters its Structure in PHH Corp. v. CFPB

by Clinton Rockwell, Jeremiah Buckley, Joseph Kolar, John Kromer, Jon Langlois, Sasha Leonhardt, Sherry-Maria Safchuk, Steven vonBerg and Jeffrey Naimon
October.11.2016

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 ...

Insight

CFPB Finalizes Amendments to Mortgage Servicing Rules

by Clinton Rockwell, Melissa Klimkiewicz, John Kromer, Christopher Witeck, Jon Langlois, Kathryn Ryan and Jeffrey Naimon
August.09.2016

On Thursday, the CFPB issued its long-awaited final amendments to the mortgage servicing provisions of Regulations X and Z. The Bureau had sought ...

Insight

Vendor Management in 2015 and Beyond

by Christopher Witeck, Jon Langlois and Jeffrey Naimon
2 minute read | December.31.2015

With evolving regulatory expectations and increased enforcement exposure, financial institutions are under more scrutiny than ever.

Insight

Consumer Financial Services Answer Book 2016

by Clinton Rockwell, Melissa Klimkiewicz, Joseph Kolar, John Kromer, Elizabeth McGinn, Warren Traiger, Jon Langlois, Sasha Leonhardt, Andrew Pennacchia, Fredrick Levin, Edward Somers, Manley Williams and Jeffrey Naimon
2 minute read | October.27.2015

The 2016 edition of the Consumer Financial Services Answer Book continues to provide practitioners with a core understanding of the laws governing ...

Insight

CFPB Bulletin Re-Emphasizes Focus on Mortgage Servicing Transfers

by Clinton Rockwell, Jeremiah Buckley, Joseph Kolar, John Kromer, Christopher Witeck, Jon Langlois and Jeffrey Naimon
August.21.2014

On August 19, 2014, the CFPB issued Bulletin 2014-01 to address “potential risks to consumers that may arise in connection with transfers of ...

Insight

Federal Reserve Board Guidance on Managing Outsourcing Risks Mirrors Recent OCC Guidance

December.11.2013

On December 5, 2013, the Federal Reserve Board (FRB or the Fed) issued Supervision and Regulation Letter 13-19, which details and attaches the ...