Lending Compliance

At Geraci Law Firm, we understand you expect and need more than legal advice from your lawyers.

Why Us?

At Geraci Law Firm, we live and breathe mortgage lending. We represent most of the private money lenders / hard money lenders in the United States, and some of the top banks and servicers in United States. We are the authority on laws affecting mortgage lending, including:

  • Fair Housing Act (FHA)
  • Equal Credit Opportunity Act (ECOA) and Regulation B
  • Home Mortgage Disclosure Act (HMDA)
  • Truth in Lending Act (TILA) – Section 32
  • False Claims Act
  • Dodd-Frank Wall Street Reform and Consumer Protection Act (Dodd-Frank)
  • State and local fair and anti-predatory lending laws and regulations
  • Home Affordable Modification Program (HAMP)
  • Real Estate Settlement Procedures Act (RESPA)
  • National Flood Insurance Act and Flood Disaster Protection Act
  • Community Reinvestment Act (CRA)
  • State foreclosure prevention laws
  • Federal Home Administration program
  • State usury laws
  • Home Ownership and Equity Protection Act (HOEPA)
  • Federal Trade Commission Act – Section 5 (UDAP)
  • Servicemembers Civil Relief Act (SCRA)
  • Homeowners Protection Act (HPA)
  • Fair Credit Reporting Act (FCRA)
  • State debt collection laws
  • Civil Rights Act of 1866
  • State high cost mortgage loan laws
  • National Bank Act (NBA)
  • State foreclosure laws
  • Fair Debt Collections Practices Act (FDCPA)
  • Secondary Mortgage Market Enhancement Act of 1984 (SMMEA)
  • Secure and Fair Enforcement for Mortgage Licensing Act of 2008 (SAFE Act)
  • State licensing laws

What We Do

Geraci Law Firm provides compliance and risk management advice to the mortgage industry to help them achieve compliance with the ever-changing local, state, and federal laws and regulation. We train and develop our clients on not only what laws exist, but what are on the horizon, scouting and navigating our client through the lending field. We regularly represent our clients in drafting mortgage lending and servicing relating issues.

RELATED PRACTICE AREAS

  • Custom Loan Document Preparation
  • Default Services
  • Banking Litigation
  • Borrower Lawsuits