Mortgage Lending and Servicing

Troutman Sanders offers extensive experience and expertise in representing national, regional, and local banks, mortgage lenders, loan servicers, and other financial institutions in all aspects of origination, loan servicing, workouts, default litigation, foreclosure, bankruptcy, post-foreclosure, and eviction matters.

Troutman Sanders brings a multi-disciplinary group of attorneys with courtroom experience in state, federal, and bankruptcy courts as well as state and federal administrative bodies. These attorneys have handled complex litigation involving allegations of fraud, unfair and deceptive trade practices, breach of fiduciary duty, and other common law business torts. Troutman Sanders has also provided counsel to clients seeking advice and representation in matters involving claims asserted under state and federal law, including the Truth in Lending Act (TILA), Real Estate Settlement Procedures Act (RESPA), Telephone Consumer Protection Act (TCPA), Fair Housing Act (FHA), Home Mortgage Disclosure Act (HMDA), Home Ownership and Equity Protection Act (HOEPA), Equal Credit Opportunity Act (ECOA), Fair Credit Reporting Act (FCRA), and Fair Debt Collection Practices Act (FDCPA). Troutman Sanders also has advised clients on regulations affecting the mortgage lending and servicing industry, including proposed rules and regulations promulgated by the Consumer Financial Protection Bureau (“CFPB”) and other federal and state agencies.

We work closely with our clients to find effective and efficient solutions based upon the particular needs of each case, and our representation has spanned from single consumer lawsuits to nationwide class actions. Our attorneys provide ongoing analysis and commentary on developments in the consumer financial services industry on the Consumer Financial Services Law Monitor located at www.cfslawmonitor.com.

  • Served as regional litigation defense counsel for a top-five mortgage servicer for TILA, RESPA and foreclosure claims.
  • Served as counsel to a Fortune 300 banking institution in multiple lawsuits filed against mortgage loan originators for indemnification and repurchase of faulty loans.
  • Defended major loan servicer in a class action alleging state law claims regarding underwriting procedures and loan disclosures.
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