Paul Fogleman

Paul Fogleman

Poyner Spruill LLP

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Latest Publications


A Refresher on Term Sheets and Commitment Letters

Term sheets and commitment letters are documents frequently used by lenders to outline the terms of a potential financing. However, these two documents differ with respect to what is required of, and whether the terms are...more

8/14/2015 - Commercial Loans Commitment Letter Contract Terms Financing Lenders Term Sheets Underwriting

Changes of Note to Lenders From the 2013 Legislative Long Session

During the 2013 legislative session, several new laws were passed which directly affect the banking and financial services industries. While most of these changes are relatively minor, they are certainly worth noting. Below...more

11/11/2013 - Fair Housing Act (FHA) Fannie Mae Interest Rates Lenders Mechanics Lien Mortgage Loan Servicing Standards Mortgages Predatory Lending

Rules Creating Exemptions to the ATR Rule Finalized

The Consumer Financial Protection Bureau (CFPB) recently finalized rules that modified and created specific exemptions to the CFPB’s Ability-to-Repay Rule. The rules have three main effects....more

7/5/2013 - Ability-to-Repay CFPB Civil Penalty Fund Exemptions Insurance Industry Mortgages Overdraft Fees Premiums

More, More, More: The CFPB Wants More From Mortgage Servicers

The Consumer Financial Protection Bureau (CFPB) recently issued new rules amending Regulation Z, the Truth in Lending Act (TILA), and Regulation X, the Real Estate Settlement Procedures Act (RESPA), which revise mortgage...more

2/11/2013 - Appraisal CFPB Dodd-Frank ECOA Mortgage Loan Servicing Standards Mortgages Regulation X Regulation Z RESPA Truth in Lending Act (TILA)

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