Joseph D. Simon

Joseph D. Simon

Cullen and Dykman LLP

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Federal Appeals Court Finds Mortgage Servicer Potentially Liable to Borrower Under New Mortgage Servicing Rules

A federal appeals court has issued one of the first opinions under new mortgage servicing rules that took effect in 2014, finding that a mortgage servicer may be liable for not properly responding to a borrower’s notice of...more

6/1/2016 - CFPB Dodd-Frank Mortgage Lenders Mortgage Servicers Mortgages Regulation X RESPA

Interagency Guidance Issued Regarding Deposit Reconciliation Practices

Federal banking agencies have advised financial institutions to adopt deposit reconciliation policies and practices for customer accounts, and to effectively manage the institution’s deposit reconciliation practices to comply...more

5/27/2016 - Banking Sector CFPB Depository Institutions Dodd-Frank Expedited Funds Availability Act (EFAA) FDIC Financial Institutions FTC Act OCC Reconciliation Section 1031 Section 5 Unfair or Deceptive Trade Practices

CFPB Updates Regulation Z Thresholds

The Consumer Financial Protection Bureau (“CFPB”) has updated the inflation-adjusted loan amounts applicable to the points and fees calculations under the CFPB’s Ability-to-Repay/Qualified Mortgage rule (“ATR/QM Rule”) and...more

9/25/2015 - Ability-to-Repay Banking Sector Banks Bureau of Labor Statistics CFPB Consumer Financial Products Consumer Lenders Consumer Price Index Dodd-Frank Financial Institutions Mortgage Lenders Mortgage Servicers Mortgages Qualified Mortgage Rule Regulation Z

CFPB Eases Some of the Requirements Under the Dodd-Frank Act Mortgage Rules

The Consumer Financial Protection Bureau (“CFPB”) has issued a final rule easing some of the requirements on creditors under the Dodd-Frank Act mortgage rules. The most significant change for most creditors is the addition of...more

11/4/2014 - Ability-to-Repay CFPB Creditors Dodd-Frank Mortgages Qualified Mortgage Rule

CFPB Issues New Mortgage Servicing Requirements

The Consumer Financial Protection Bureau (“CFPB”) has issued two final rules that impose significant new mortgage servicing requirements in connection with residential mortgages to consumers. The rules implement amendments...more

2/20/2013 - CFPB Delinquent Borrowers Dodd-Frank Force-Placed Insurance Interest Rates Loss Mitigation Mortgage Loan Servicing Standards RESPA Truth in Lending Act (TILA)

CFPB Issues “Ability-To-Repay” Mortgage Requirements

The Consumer Financial Protection Bureau (“CFPB”) has issued a final rule implementing the “ability to repay” mortgage requirements of the Dodd-Frank Act. The rule requires creditors to make a reasonable, good faith...more

2/11/2013 - Ability-to-Repay CFPB Dodd-Frank Mortgages Prepayment Penalties Qualified Mortgage Rule

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