New Lending Regulations: A Practical Guide for Community Banks

Frank A. Mayer, III, is a partner in the Financial Services Practice Group of Pepper Hamilton LLP.  Mr. Mayer's practice focuses on counseling financial institutions and independent board committees.  Mr. Mayer also regularly defends financial institutions, independent committees, and directors and officers in connection with regulatory and enforcement actions.  Mr. Mayer also counsels regulated business enterprises with respect to their relationships with federal, state and local governments.  Mr. Mayer was a former senior official with FDIC and the RTC, and was its representative to the interagency bank fraud working group.  Mr. Mayer recently provided counsel to the independent consultant engaged to conduct the independent review of the mortgage serving operations of ALLY FINANCIAL, ALLY BANK , RESIDENTIAL CAPITAL, LLC , and GMAC MORTGAGE, LLC pursuant to the Consent Order at FRB Docket No. 11-020-B-HC 11-020-B-DEO and  FDIC-11-123b.  

Daniel F. Wheeler is a partner at Bryan Cave LLP. Mr. Wheeler advises banks on a range of lending, operational and regulatory matters. He helps banks design loan programs and form documents, assists in closing credit transactions and advises on enforcing troubled loans. Mr. Wheeler also counsels banks on purchases and sales of loans, letters of credit and interest rate swaps.

John ReVeal is the Financial Institutions Group’s lead regulatory and compliance lawyer in Bryan Cave’s Washington, D.C. office. He leads the Firm’s Retail Banking Team and is Co-Chair of the Firm’s Payments Team.  He advises banks other financial services providers on consumer compliance, including issues arising under the following federal laws (and state law equivalents, where applicable):  Truth in Lending Act, Equal Credit Opportunity Act, Real Estate Settlement Procedures Act, Electronic Fund Transfers Act, Truth in Savings Act, Fair Credit Reporting Act, Fair Debt Collection Practices Act, Federal Trade Commission Act Section 5 (unfair or deceptive acts or practices), and Gramm-Leach-Bliley Act Title V (consumer privacy).  John also assists financial institutions in the review and development of Bank Secrecy Act and Anti-Money Laundering programs, and  provides BSA/AML training to directors, officers and other employees of banks and other financial institutions. 

In addition, John advises financial institutions regarding bank and thrift powers, federal preemption, exportation of rates and charges, and financial institution licensing. John also assists banking organizations in the development and operation of enterprise-wide compliance management programs, including through performance of compliance risk assessments, development of appropriate compliance policies and procedures, and development and performance of compliance monitoring and testing programs. 

Jennifer McCain's practice specializes in bank regulatory and corporate advice for financial institutions of all sizes. Her experience includes all aspects mortgage banking from residential and commercial loan origination to secondary market loan sales and securitizations. A graduate of the University of Texas School of Law and the University of Virginia, Ms. McCain is a shareholder in the firm's Birmingham Alabama office. She has been recognized by The Best Lawyers in America for Banking and Finance Law.