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Only promissory note holders can initiate foreclosures in Washington state

  • Ballard Spahr LLP
  • -
  • USA
  • -
  • August 23 2012

The Supreme Court of Washington has determined that, under the Washington deed of trust act, only the actual holder of a promissory note can be the beneficiary with the power to appoint a trustee to proceed with a nonjudicial foreclosure on real property

Preparing your company for sale: the role of investment banks

  • Ballard Spahr LLP
  • -
  • USA
  • -
  • March 29 2012

After determining to sell a business, a potential seller must decide whether to hire an investment bank to facilitate the sale process or to rely on the company’s owners, management, and legal advisers to manage the transaction

Mortgage investor's alleged failure to be licensed could subject company to claims under debt collection statutes

  • Ballard Spahr LLP
  • -
  • USA
  • -
  • March 21 2013

A federal court in Maryland recently declined to dismiss a borrower's claims that the owner of a mortgage loan operated as a debt collection agency

Chopra student loan remarks could signal new CFPB proposals or actions

  • Ballard Spahr LLP
  • -
  • USA
  • -
  • August 29 2012

Recent remarks by Rohit Chopra, the CFPB’s Student Loan Ombudsman, to the Congressional Forum on Student Loans and in an interview with Bloomberg Radio could presage new CFPB student loan recommendations to Congress or even CFPB examinations, investigations, andor rulemaking proceedings

HUD face-to-face meeting rule gets expansive reading from Virginia high court

  • Ballard Spahr LLP
  • -
  • USA
  • -
  • May 10 2012

In a decision affecting all lenders in Virginia that issue FHA-insured home loans, the Supreme Court of Virginia has adopted an expansive reading of HUD’s requirement of face-to-face meetings prior to foreclosure

CFPB shares manual for on-line complaint system

  • Ballard Spahr LLP
  • -
  • USA
  • -
  • October 6 2011

As part of its on-line credit card complaint system, the CFPB has set up a portal to serve as the interface between the CFPB and card issuers

CFPB issues final ECOA appraisal rule

  • Ballard Spahr LLP
  • -
  • USA
  • -
  • January 24 2013

The Consumer Financial Protection Bureau has issued a final rule to implement Dodd-Frank amendments to the Equal Credit Opportunity Act that require

Fed and FTC finalize changes to adverse action and risk-based pricing notices

  • Ballard Spahr LLP
  • -
  • USA
  • -
  • July 13 2011

The Federal Reserve Board and Federal Trade Commission have finalized changes to their rules implementing the Fair Credit Reporting Act (FCRA) requirement for creditors to include a disclosure of a consumer’s credit score and related information in risk-based pricing notices

WV amends record retention and documentation requirements

  • Ballard Spahr LLP
  • -
  • USA
  • -
  • May 10 2012

West Virginia has amended its Residential Mortgage Lender, Broker and Servicer Act regulations

Illinois amends mortgage loan originator definition to include loan modifications

  • Ballard Spahr LLP
  • -
  • USA
  • -
  • August 9 2012

Illinois recently broadened the scope of the mortgage loan originator definition to include individuals engaged in loan modification activities on behalf of borrowers