San bernardino MORTGAGE + Banking law attorneys
CKB VIENNA LLP is at the forefront of rapidly changing regulatory developments. Our Firm combines broad regulatory experience with formidable skill in litigation and depth in enforcement actions and transactions. Our firm represents clients from start-ups to Fortune 500 corporations, including financial institutions; mortgage lenders, brokers, and servicers; secondary-market investors; insurance companies; investment bankers; settlement service providers; auction platforms; and homebuilders.
Our experienced San Bernardino mortgage attorneys at CKB VIENNA LLP advise mortgage banking companies on federal and California State laws and regulations impacting all areas of mortgage lending, including truth-in-lending, Real Estate Settlement Procedures Act, equal credit opportunity and California requirements. We have drafted, reviewed, and filed mortgage banking license applications, and have represented mortgage lending companies in mergers and other corporate transactions. Let our knowledgeable San Bernardino mortgage lawyers help you.
Attorneys with Extensive Experience in Mortgage + Banking Law in California
Equipped for and capable of providing complete legal services for the varied needs of commercial lenders, our San Bernardino mortgage & banking lawyers represent clients in origination, closing and enforcement of commercial and residential mortgage loans, while also counseling on regulatory compliance issues.
Specific Firm Experience
Represented a national lender in connection with litigation from a Fortune 100 bank wherein the Firm was able to negotiate a settlement at a fraction of the 120 million dollars in potential liability.
Represented a national mortgage lender against alleged claims of deceptive advertising by the Consumer Financial Protection Bureau. While the penalties where in the millions, the Firm was able to negotiate a resolution for a significantly reduced sum without any admission of liability.
More about What We Do
What can we do for you? With extensive experience in transactional matters, legal and regulatory compliance, and litigation, our mortgage and banking attorneys are able to offer knowledgeable, straight-forward advice and cost-effective solutions in the areas of:
Commercial and Residential Mortgage Closings
We offer full-service representation for commercial and residential closings in San Bernardino and throughout California. Our lawyers represent lenders, buyers, and sellers throughout all stages of the closing process.
Commercial and Residential Mortgage Collections and Foreclosure
Our lawyers represent mortgage banks and other lenders in collections and foreclosure proceedings involving commercial and residential properties in California. When appropriate, we also assist our clients in negotiating workouts and other informal resolutions, and we provide creditor representation for bankruptcy proceedings as well.
Mortgage Lending Legal and Regulatory Compliance
With extensive experience in the financial services arena, we are able to offer comprehensive and custom-tailored advice regarding all aspects of the mortgage lending legal and regulatory compliance. We also represent clients in state and federal administrative proceedings.
Truth-in-Lending Act (TILA) Compliance
The Truth-in-Lending Act (TILA) is a federal law that requires mortgage lenders to make certain specific disclosures to residential homebuyers. We represent mortgage lenders with respect to TILA compliance and also provide defense representation for TILA claims and litigation.
California Small Business Truth-in-Lending Law Compliance
Passed in 2018, the California Small Business Truth-in-Lending Law applies the principles of the TILA to small-business lending. Our lawyers are available to assist all types of lenders with compliance under this new law.
Real Estate Settlement Procedures Act (RESPA) Compliance
The Real Estate Settlement Procedures Act (RESPA) extends mortgage lenders’ disclosure obligations through the settlement process. It establishes disclosure requirements for brokers, servicers, subordinate lenders, and various other entities as well. We assist clients throughout the mortgage industry with all aspects of RESPA compliance.
Mortgage Banking License Applications and Appeals
Mortgage banks operating in California are required to be licensed under the California Residential Mortgage Lending Act (CRMLA). Due to the complexities involved, obtaining a license under the CRMLA can often be challenging, and our attorneys provide skilled legal representation for both applications and appeals.
Financial Industry Corporate Representation
In addition to representing our mortgage and banking clients with respect to industry-specific legal matters, we also provide general corporate structuring, compliance, and transactional representation. We have an extensive corporate and transactional practice that encompasses all aspects of general corporate law practice.
General Commercial Litigation
Similarly, we maintain a broad commercial litigation practice that encompasses all types of business disputes. Our San Bernardino mortgage & banking lawyers have extensive experience representing financial entities and other clients in informal workout negotiations, alternative dispute resolution (ADR) proceedings, and state and federal litigation.
Speak with a San Bernardino Mortgage + Banking Lawyer at CKB VIENNA LLP
If you would like more information about our firm’s mortgage and banking law practice, we encourage you to get in touch. To request a confidential initial consultation with one of the experienced attorneys at CKB VIENNA LLP, call or contact us online today.