State and federal regulatory compliance is an integral part of our practice. Our regulatory compliance team provides a full range of regulatory compliance services to all kinds of financial institutions including banks, thrifts, credit unions, mortgage bankers, mortgage brokers, real estate brokers, title insurance companies, home builders and general insurance companies. As former in-house corporate and regulatory counsel to one of the nation’s largest privately-owned financial institutions, Wright & Yonan’s regulatory compliance team knows first hand the complicated legal and regulatory issues that face its clients on a daily basis. This kind of in-depth, real-world experience is invaluable when it comes to understanding our client’s procedures, risks, and regulatory concerns.

Banking

Wright & Yonan’s regulatory compliance team has considerable experience working with federal and state regulatory agencies. Our regulatory compliance team leverages this experience when dealing with federal and state banking regulators on behalf of our clients. We prepare and file federal and state regulatory applications, including applications for new charters and state licenses. We provide day-to-day advice on the full range of regulatory and supervisory issues central to financial depository institutions, including the Bank Secrecy Act and anti-money laundering requirements; transactions with affiliate issues; data security and privacy issues; lending limits, permissible investments, loans to officers and directors, retail lending and deposit-taking; electronic banking and commerce issues; federal and state commercial lending issues; and other regulatory compliance matters. We also analyze policies and procedures for compliance with applicable federal and state laws and conduct in-house training seminars. Finally, we assist companies with implementing the latest federal and state laws and regulations.

Mortgage Banking

Wright & Yonan’s regulatory compliance team has considerable experience working with federal and state regulatory agencies. Our regulatory compliance team leverages this experience when dealing with federal and state regulators on behalf of our clients. We prepare and file federal and state regulatory applications, including applications for new charters and state licenses. We provide advice on the full range of regulatory and supervisory issues central to mortgage lending institutions. Wright & Yonan’s regulatory compliance team is fully conversant in the Real Estate Settlement Procedures Act (“RESPA”), Truth in Lending Act (“TILA”), Home Ownership and Equity Protection Act (“HOEPA”), Equal Credit Opportunity Act (“ECOA”), Fair Housing Act (“FHA”), Home Mortgage Disclosure Act (“HMDA”), Homeowners Protection Act (“HPA”), Fair Credit Reporting Act (“FCRA”), and the Fair Debt Collections Practices Act (“FDCPA”). We also analyze policies and procedures for compliance with applicable federal and state laws and conduct in-house training seminars. Further, we assist companies with implementing the latest federal and state laws and regulations. Finally, we assist mortgage lenders to establish legally-compliant joint ventures and other relationships with real estate brokers, title insurance companies, home builders and general insurance companies.

Real Estate Brokers

Wright & Yonan’s regulatory compliance team advises real estate brokerage firms and their affiliates on a wide range of corporate and regulatory compliance issues. We assess state licensing requirements and obtain required licenses. We also assist real estate brokers to establish legally-compliant joint ventures and other relationships with banks, mortgage lenders, title insurance companies and general insurance companies.

Title Insurance

Wright & Yonan’s regulatory compliance team advises title insurance agencies and their affiliates on a wide range of corporate and regulatory compliance issues. We assess state licensing requirements and obtain required licenses. We also assist title insurance companies to establish legally-compliant joint ventures and other relationships with banks, mortgage lenders and real estate brokers.

Home Builders

Wright & Yonan’s regulatory compliance team advises home builders and their affiliates on a wide range of corporate and regulatory compliance issues. We assist home builders to establish legally-compliant joint ventures and other relationships with banks, mortgage lenders, title companies and general insurance companies.

Insurance

Wright & Yonan’s regulatory compliance team advises insurance agencies and their affiliates on a wide range of corporate and regulatory compliance issues. We assist insurance companies to establish legally-compliant joint ventures and other relationships with mortgage lenders and real estate brokers.