Joseph Spruill, III

Joseph Spruill, III


Contact  |  View Bio  |  RSS

Latest Publications


Recent HUD Enforcement Actions Highlight Risks of Loan Discrimination Against Those on Maternity/Paternity Leave

The U. S. Department of Housing and Urban Development (“HUD”) recently entered into settlement agreements with two lenders that allegedly discriminated against mortgage loan applicants based on their maternity leave status....more

8/28/2014 - Discrimination Fair Housing Act (FHA) HUD Lenders Mortgages Non-Judicial Settlement Agreements Pregnancy Discrimination

Mortgage Lending Legal and Regulatory Highlights

In its spring edition of Supervisory Highlights, the CFPB cautions financial institutions of the increased risk of a fair lending violation for failing to maintain adequate policies and procedures to document exceptions to...more

7/1/2014 - Ability-to-Repay Banks CFPB ECOA Fair Lending Fees Lenders Mortgages Real Estate Market RESPA Title Companies

CFPB Continues To Aggressively Pursue RESPA Violations

On January 15, 2014, the Consumer Financial Protection Bureau ("CFPB") ordered a small mortgage lender in Missouri and its president to pay $81,076 for violating the anti-kickback provisions of the Real Estate Settlement...more

2/17/2014 - CFPB Mortgage Loan Originators Mortgages RESPA

Recent Fourth Circuit Case Addresses Unlimited Spousal Guarantees Under The Equal Credit Opportunity Act

Bankers know to exercise caution when requiring a spouse to co-sign or guarantee a loan to the other spouse’s business. The Equal Credit Opportunity Act (“ECOA”) generally prohibits lenders from requiring a spouse’s signature...more

1/30/2014 - Banks ECOA Loans Spousal Guaranty

5 Results
View per page
Page: of 1

"My best business intelligence, in one easy email…"

Your first step to building a free, personalized, morning email brief covering pertinent authors and topics on JD Supra:

Sign up to create your digest using LinkedIn*

*By using the service, you signify your acceptance of JD Supra's Privacy Policy.
*With LinkedIn, you don't need to create a separate login to manage your free JD Supra account, and we can make suggestions based on your needs and interests. We will not post anything on LinkedIn in your name. Or, sign up using your email address.