Phillip Schulman

Phillip Schulman

K&L Gates LLP

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The CFPB Weighs in on Marketing Services Agreements

The Consumer Financial Protection Bureau (“CFPB”) has, for the first time, publicly expressed views on marketing services agreements (“MSAs”) under Section 8 of the Real Estate Settlement Procedures Act (“RESPA”). After...more

10/3/2014 - CFPB Investigations Marketing Mortgages Real Estate Market RESPA

The Wait is Over. The Anxiety Begins. The CFPB Issues its Final Rule to Combine RESPA and TILA Mortgage Disclosures

Well, the wait is over. After 16 months and much anticipation, the Consumer Financial Protection Bureau (the “CFPB” or “Bureau”) released a 1,888-page final rule on November 20, 2013 to combine mortgage disclosures required...more

12/12/2013 - CFPB Closing Documents Disclosure Requirements Dodd-Frank Federal Reserve Fees Good Faith HUD Lenders Mortgages Real Estate Brokers RESPA TILA Title Companies

Safe Harbor Means Safe Harbor: Sixth Circuit Rejects Any Judicial Deference to HUD’s Sham Affiliated Business Guidelines

Providing clarity in an area of law that had become increasingly muddled over the last two decades, the U.S. Court of Appeals for the Sixth Circuit has issued a decision that clarifies the scope of RESPA’s safe harbor for...more

12/10/2013 - Affiliated-Business Arrangements Fraud HUD RESPA Safe Harbors Scams

HUD Issues QM Proposal for Comment: There is a “There” There

This week, the United States Department of Housing and Urban Development (“HUD”) weighed in on its proposed version of a Federal Housing Administration (“FHA”) Qualified Mortgage (“QM”). Although the Consumer Financial...more

10/7/2013 - CFPB Dodd-Frank FHA Housing Market HUD Mortgages Qualified Mortgage Rule

Guilty Unless Proven Innocent: FHA’s Potential New Enforcement Regime

The use of statistical sampling to evidence compliance violations without actually performing loan level reviews is at the center of a new enforcement regime that the U.S. Department of Housing and Urban Development (“HUD” or...more

7/12/2013 - Compliance Enforcement Enforcement Actions FHA HUD Loans Mortgages Strategic Enforcement Plan

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