Donald Lampe

Donald Lampe

Morrison & Foerster LLP

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The RESPA Respite Is Over

RESPA Section 8 enforcement is back. It was in abeyance during the transition of RESPA enforcement from HUD to the CFPB over the last few years. In fact, the last announced HUD Section 8 settlement dates from almost three...more

6/24/2014 - Enforcement Enforcement Actions HUD Mortgages RESPA TILA

The CFPB & UDAAP: A “Know It When You See It” Standard?

Institutions regulated by the Consumer Financial Protection Bureau (CFPB) and subject to its enforcement authority are dealing with of the agency’s sweeping authority to prohibit unfair, deceptive, and abusive acts or...more

6/13/2014 - CFPB Enforcement Actions Investigations Richard Cordray UDAAP

Housing Finance Reform

Efforts to address housing finance reform are starting to heat up, although the finish line is still probably a long way off. Fannie Mae and Freddie Mac remain in conservatorship, even though they are making money, and the...more

4/29/2014 - Fannie Mae Freddie Mac Housing Finance Reform Mortgages

FDCPA & More: CFPB Considers “Modern” Methods of Consumer Communications

On November 12, 2013, the Consumer Financial Protection Bureau (“CFPB” or “Bureau”) published an advance notice of proposed rulemaking (“ANPR”) in the Federal Register seeking information from the public about the operations,...more

11/21/2013 - CFPB Creditors Debt Collection FCRA FDCPA Social Media

Interagency Fair Lending Guidance: A First Step, but in the Right Direction?

Five federal regulators, with HUD noticeably absent, issued the first interagency guidance on the much-debated intersection of fair lending enforcement and the Ability-to-Repay and Qualified Mortgage Standards Rule taking...more

10/29/2013 - Ability-to-Repay CFPB Fair Lending FDIC Federal Reserve Mortgages NCUA OCC Qualified Mortgage Rule

CFPB Reaches Consent Orders for HMDA Violations

On October 9, 2013, the Consumer Financial Protection Bureau (“CFPB”) reached consent orders with two companies, Mortgage Master, Inc. (“Mortgage Master”) and Washington Federal, encompassing payment of civil penalties for...more

10/17/2013 - CFPB Civil Monetary Penalty Compliance Consent Order HMDA Mortgages

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