Laurence Platt

Laurence Platt

K&L Gates LLP

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Latest Publications


GSEs Release Revised Framework for Origination Defects and Remedies — The Proof Will Be in the Execution

By recently releasing yet another revised representation and warranty framework, Fannie Mae and Freddie Mac continued their efforts to assuage the concerns of the lending industry that a default by a borrower poses an unfair...more

10/22/2015 - Banking Sector Banks Compliance Consumer Lenders Fair Housing Act (FHA) Fannie Mae FHFA Financial Institutions Freddie Mac GSE Mortgage Lenders Mortgage Loan Originators Mortgage Servicers Mortgages Repurchases Securitization Standards

Non-Direct Auto Lending: Is the CFPB Asserting Jurisdiction over the Capital Markets?

The capital markets should look closely at the proposed rule of the Consumer Financial Protection Bureau (the “CFPB”) to supervise certain larger non-bank automobile finance companies because of the CFPB’s assertion of broad...more

11/18/2014 - Administrative Authority Auto Manufacturers Automotive Industry Automotive Loans Capital Markets CFPB Debt Buyers Nonbank Firms Proposed Regulation

Rulemaking Dictating Loan Terms Is Coalescing Around the CFPB’s Qualified Mortgage Standard, but the Future of Loans Outside of...

Since the enactment of the Dodd-Frank Wall Street Reform and Consumer Protection Act (the “Dodd-Frank Act”) government regulation has been pushing the mortgage banking industry toward homogenized residential mortgage loans...more

9/17/2013 - CFPB Dodd-Frank Loans Mortgages Qualified Mortgage Rule

Bibbidi Bobbidi Boo: Eminent Domain Needs More Than a Magic Wand to Overcome Title Defects

Oh, if it only were that easy. A city seizes “underwater” residential mortgage loans through eminent domain, waves its magic wand, says Abracadabra or Bibbidi Bobbidi Boo, and then the mortgage lien of the prior loan holder...more

7/25/2013 - Consumer Bankruptcy Eminent Domain Land Titles Liens Loans Material Defects Mortgages Property Owners Underwater Homeowners

When Almost Is Not Good Enough

Where I went to school anything between a 90% and 100% was an “A.” Yes, there were gradations and curves. Maybe anything between a 90 and 93 was an A-. But I had to fall well below a 90 before my parents severely criticized...more

6/24/2013 - Fair Housing Act (FHA) HUD Lenders Loans Mortgages National Mortgage Settlement

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