Consumer Finance

Financial Institutions

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We advise financial institutions on state and federal regulatory compliance for their mortgage, home equity, auto, student loan, credit sale and other consumer lending programs. Specific areas where we assist our clients include:

  • Dodd-Frank compliance
  • New rules and interpretations from the CFPB
  • Regulation Z and the Truth-in-Lending Act
  • Regulation B and the Equal Credit Opportunity Act
  • Regulation X and the Real Estate Settlement Procedures Act
  • Regulation C and the Home Mortgage Disclosure Act
  • Regulation M and the Consumer Leasing Act
  • Regulation BB and the Community Reinvestment Act
  • Regulation P and related federal and state privacy requirements
  • Mortgage, student loan and other servicing regulations
  • Servicemembers Civil Relief Act
  • Regulation DD and the Truth-in-Savings Act
  • Regulation CC and the Expedited Funds Availability Act
  • Regulation E and the Electronic Fund Transfer Act
  • ACH transactions
  • FDIC, OCC, FRB regulations
  • The Fair Credit Reporting Act
  • The Fair Debt Collection Practices Act and state debt collection laws
  • SAFE Act and state licensing and registration requirements
  • Loan officer compensation regulations
  • Mergers and acquisitions
  • Student lending
  • Portfolio and company due diligence
  • Portfolio sales
  • Buy-sell and correspondent agreements
  • Federal and state interest rate and usury law
  • Government and private student loan requirements
  • Escheat and abandoned property laws
  • FTC Act and state unfair trade practice laws
  • Bank and operating subsidiary preemption
  • FHA, Ginnie Mae, Fannie Mae and Freddie Mac programs
  • Fannie/Freddie Home Valuation Code of Conduct and state appraisal regulations
  • Holding company and multi-state banking and lending problems
  • State and federal subprime, “predatory” and related lending laws
  • USA PATRIOT Act, Bank Secrecy Act and related anti-money laundering laws

On behalf of our clients, we evaluate, structure and document consumer credit products and services. These include first and second mortgage loans, home equity credit arrangements, credit card and revolving loans, consumer leases, personal installment loans, student loans, retail lending, motor vehicle and other retail installment sale programs.

We represent clients before federal and state regulators, including the CFPB, HUD and FTC, as well as federal and state banking agencies and other regulatory bodies.

Steven J. Adams

Shareholder

sja@stevenslee.com

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Reading: 610.478.2133

Jacob E. Ballarotto

Associate

jeb@stevenslee.com

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Princeton: 609.243.6438

Mark D. Bradshaw

Shareholder

mdb@stevenslee.com

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Harrisburg Market Square: 717.255.7357

Megan M. Christensen

Shareholder

mmc@stevenslee.com

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Princeton: 609.987.5330

Timothy F. Demers

Of Counsel

tfd@stevenslee.com

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Reading: 610.478.2167

Kenneth R. Dugan

Shareholder

krd@stevenslee.com

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Reading: 610.478.2163

Mark C. Franek

Associate

mcf@stevenslee.com

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Valley Forge: 610.205.6029

Sunjeet S. Gill

Shareholder

ssg@stevenslee.com

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Valley Forge: 610.205.6076

Philadelphia: 610.205.6076

Charles F. Harenza

Shareholder

cfh@stevenslee.com

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Reading: 610.478.2091

Craig A. Hirneisen

Associate

cah@stevenslee.com

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Reading: 610.478.2229

Edward C. Hogan

Shareholder

ech@stevenslee.com

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Princeton: 609.243.6434

Daniel B. Huyett

dbh@stevenslee.com

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Philadelphia: 215.751.1956

Reading: 610.478.2219

Wesley R. Kelso

Shareholder

wrk@stevenslee.com

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Lancaster: 610.478.2242

Christine M. Kovan

Counsel

cmk@stevenslee.com

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Valley Forge: 610.205.6038

E. David Krulewicz

Associate

edk@stevenslee.com

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Princeton: 609.243.6430

Thomas B. Lewis

Shareholder

tbl@stevenslee.com

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Princeton: 609.987.5335

James B. Longacre

Shareholder

jbl@stevenslee.com

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Reading: 610.478.2293

Lisa M. McElligott Miller

Shareholder

lmm@stevenslee.com

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Reading: 610.478.2192

Bradley L. Mitchell

Shareholder

blm@stevenslee.com

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Princeton: 609.987.6680

New York: 646.254.6385

Edward C. Renenger

Shareholder

ecr@stevenslee.com

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Reading: 610.478.2238

Eric M. Robinson

Shareholder

emr@stevenslee.com

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New York: 212.537.0408

Frank C. Sabatino

Shareholder

fcs@stevenslee.com

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Philadelphia: 215.751.2884

Charles C. Scheim

Shareholder

ccs@stevenslee.com

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Reading: 610.478.2282

Paul H. Schieber

Shareholder

phs@stevenslee.com

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Valley Forge: 610.205.6040

Neil C. Schur

Shareholder

ncsc@stevenslee.com

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Philadelphia: 215.751.1944

Jonathan A. Scobie

Associate

jasc@stevenslee.com

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Princeton: 609.987.6656

David W. Swartz

Shareholder

dws@stevenslee.com

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Reading: 610.478.2184

William P. Thornton, Jr.

Shareholder

wpt@stevenslee.com

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Philadelphia: 215.496.3820

Reading: 610.478.2020

Adam M. Zuidema

Associate

amz@stevenslee.com

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Reading: 610.478.2155

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