SW&M assists financial institutions in navigating 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, courtesy pay, deposit accounts, Electronic Funds Transfer (“EFT”), Automated Clearing House (“ACH”) transfers and remittances. Our team’s rich expertise is invaluable for clients who need assistance with disclosures, procedures, forms, policies, product design and more. Some of the wide range of laws and regulations in which we specialize include, but are not limited to:
- Real Estate Settlement Procedures Act (RESPA)
- Truth in Lending Act and Regulation Z
- SAFE Banking Act
- Truth in Savings Act (TISA)
- Equal Credit Opportunity Act (ECOA) and Regulation B
- Fair Credit Reporting Act (FCRA) and Regulation V
- California Consumer Privacy Act (CCPA) & California Privacy Rights Act (CPRA)
- Electronic Fund Transfer Act (EFTA) and Regulation E
- Regulation CC
- Bank Secrecy Act (BSA)
- Office of Foreign Assets Control (OFAC) regulations
- Dodd-Frank Wall Street Reform and Consumer Protection Act
- Electronic Signatures in Global and National Commerce (ESIGN) Act