In recent years, the vast body of regulations that govern consumer financial services has only grown in size and complexity. The impact on lending, loan brokering, deposit accounts, negotiable instruments, and other services can be quite challenging.
SW&M helps financial institutions navigate their various compliance requirements successfully, while maintaining effective operations and reducing risk. Our attorneys draw upon deep reservoirs of experience with mortgage, consumer and commercial lending; as well as with payday loans, credit cards, overdraft and courtesy pay, deposit accounts, EFTs, ACH, and remittances. Our team’s rich expertise is invaluable for clients needing assistance with disclosures, procedures, forms, policies, product design, and more.
We are well-equipped to support financial institutions across a wide range of laws and regulations, including the Real Estate Settlement Procedures Act (RESPA), the Truth in Lending Act and Regulation Z, the SAFE Banking Act, the Truth in Savings Act, Equal Credit Opportunity Act (ECOA) and Regulation B, the Fair Credit Reporting Act (FCRA), Regulation E, Regulation CC, the Dodd–Frank Wall Street Reform and Consumer Protection Act, the Bank Secrecy Act, the Electronic Signatures in Global and National Commerce (ESIGN) Act, and all Office of Foreign Assets Control (OFAC) regulations.
