Regulatory Compliance

Effective management of creditors’ rights litigation requires strict adherence to federal regulations and legislation. Complex statutes regulate the  banking and default servicing industry, including:

  • Truth in Lending Act (TILA)
  • Fair Debt Collection Practices Act (FDCPA)
  • Real Estate Settlement Procedures Act (RESPA)
  • Home Ownership Equity Protection Act (HOEPA)
  • Fair Credit Reporting Act (FCRA)
  • Sarbanes-Oxley Act
  • Gramm-Leach-Bliley Privacy Law
  • The Patriot Act
  • Federal and state telemarketing laws
  • Federal Institutions Reform, Recovery and Enforcement Act (FIRREA)
  • FDIC regulations

We counsel clients in regard to these statutes to ensure their business model is currently compliant as well as designed to allow for lawful portfolio expansion.  Moreover, we counsel clients in a manner that streamlines all regulatory requirements to maximize efficiency.

California Online Privacy Protection Act

CalOPPA is the first state law in the nation to require commercial websites and online services to post a privacy policy. The law's reach stretches well beyond California to require a person or company in the United States (and conceivably the world) that operates websites collecting personally identifiable information from California consumers to post a conspicuous privacy policy on its website stating exactly the information being collected and those individuals with whom it is being shared, and to comply with this policy. - See more at: http://consumercal.org/california-online-privacy-protection-act-caloppa/#sthash.0FdRbT51.dpuf

According to CalOPPA we agree to the following:
Users can visit our site anonymously
Once this privacy policy is created, we will add a link to it on our home page, or as a minimum on the first significant page after entering our website.
Our Privacy Policy link includes the word "Privacy", and can be easily found on the page specified above.

Users will be notified of any privacy policy changes:

Users are able to change their personal information:

How does our site handle do not track signals?
We honor do not track signals and do not track, plant cookies, or use advertising when a Do Not Track (DNT) browser mechanism is in place.