Legal Support / General Counsel Services

The mortgage industry is closely scrutinized and lenders often face investigations by state and federal agencies.

Legal SupportKubik Law Firm provides compliance and risk management advice to our clients to help them achieve compliance with the ever-changing state and federal laws and regulations. In particular, we can provide guidance on the following areas of law:

  • Equal Credit Opportunity Act (ECOA) and Regulation B
  • Fair Housing Act (FHA)
  • Community Reinvestment Act (CRA)
  • Home Mortgage Disclosure Act (HMDA) and Regulation C
  • Dodd-Frank Wall Street Reform and Consumer Protection Act (Dodd-Frank)
  • Truth in Lending Act (TILA) and Regulation Z
  • Real Estate Settlement Procedures Act (RESPA) and Regulation X
  • TILA/RESPA Integrated Disclosure Rule (TRID)
  • Federal Home Administration program
  • Federal Trade Commission Act – Section 5 (UDAP)
  • Home Ownership and Equity Protection Act (HOEPA)
  • Homeowners Protection Act (HPA)
  • Servicemembers Civil Relief Act (SCRA)
  • Fair Credit Reporting Act (FCRA)
  • Fair Debt Collections Practices Act (FDCPA)
  • National Bank Act (NBA)
  • Secure and Fair Enforcement for Mortgage Licensing Act of 2008 (SAFE Act)
  • Secondary Mortgage Market Enhancement Act of 1984 (SMMEA)
  • False Claims Act
  • State and local fair and anti-predatory lending laws and regulations
  • Texas debt collection laws
  • Texas foreclosure laws

Cost Effective Alternative to In-House Counsel

Many mortgage companies cannot afford full-time legal staffs. Nonetheless, it is important to work alongside and receive guidance from an attorney who has a keen understanding of all aspects of the mortgage industry. We take pride in staying up-to-date on all new laws and regulations affecting the industry, and are committed to providing you with knowledgeable and affordable legal counsel.