David Pellegrino

David Pellegrino

Partridge Snow & Hahn LLP

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Latest Publications


Rhode Island General Assembly Clarifies Intent of Foreclosure Mediation Law

In what can only be perceived as a response to a recent Superior Court decision, the Rhode Island General Assembly amended the applicability of the Foreclosure Mediation Law, R.I. Gen. Laws § 34-27-3.2, for the third time in...more

8/4/2015 - Amended Legislation Borrowers Default Delinquent Borrowers Exemptions Foreclosure Mediation Mortgage Lenders Mortgage Servicers Mortgagee Notice Requirements

Lending Industry Take Note: Federal Fair Housing Act Provides For Disparate-Impact Liability

The status quo stands, to a degree. By a 5-4 vote, the United States Supreme Court has concluded that the federal Fair Housing Act (“FHA”) authorizes lawsuits not just for intentional discrimination, but for conduct taken...more

7/2/2015 - Affordable Housing Discrimination Disparate Impact FHA HUD Mortgage Lenders Popular SCOTUS Texas Dept of Housing v Inclusive Communities Title VII

New Rhode Island Banking Regulations to Promote Uniformity

Rhode Island has repealed certain banking regulations and replaced them with new regulations in order to promote uniformity. Banking Regulations 98-14 “Licensees”, 98-14.1 “Lenders and Loan Brokers”, and 98-14.4 “Check...more

6/14/2015 - Amended Regulation Banking Industry Regulations Banks Books & Records Brokers Check Cashing Criminal Background Checks Financial Institutions Insurance Agents Lenders Licensees Licensing Rules Loans Managers Mortgage Loan Originators NMLS Repeal Uniformity

U.S. Supreme Court Agrees to Resolve Whether the FHA Provides for Disparate Impact Liability.

A major change to federal law governing mortgage lending may be on the horizon. On October 2, 2014, the United States Supreme Court agreed to decide whether the Fair Housing Act (“FHA”) not only imposes liability for...more

12/22/2014 - Disability Discrimination Discrimination Disparate Impact Fair Housing Act Gender Discrimination Mortgage Lenders Race Discrimination SCOTUS

Massachusetts Supreme Judicial Court Rules That Failure To Strictly Comply With The Statutory Notice of Right To Cure Does Not...

The Massachusetts Supreme Judicial Court (“SJC”) recently issued a landmark decision, U.S. Bank, Nat. Ass’n v. Schumacher, on an issue the Massachusetts Superior and Housing Courts have been grappling with for the past four...more

4/3/2014 - Foreclosure Notice Requirements Right To Cure

Changes to Rhode Island Foreclosure Statute Require Mediation for Certain Foreclosures

Changes to Rhode Island foreclosure law are set to become effective for certain mortgage foreclosures on September 12, 2013. New Section 34-27-3.2 entitled “Mediation Conference” has been added to Rhode Island General Laws,...more

9/10/2013 - Dispute Resolution Foreclosure Mediation New Legislation

Is it a Private Foundation in the Eyes of the IRS?

The Internal Revenue Service ("IRS") recently held in Private Letter Ruling 201323035 that a corporation that was established as a nonprofit corporation under state law should not be granted tax exempt status because its...more

6/28/2013 - Charitable Purpose Exempt Organizations IRS Private Foundations Recordkeeping Requirements

Many States Switching to Uniform MLO Test

In 2013, three New England states will no longer require the state-specific test component for licensing mortgage loan originators (MLOs) due to the implementation of the new National SAFE MLO Test with a uniform state...more

1/18/2013 - Licenses Mortgage Loan Originators Mortgages SAFE

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