• Represents non-depository clients in regulatory examination preparation and defense for federal CFPB and California DFPI examinations.
• Defense counsel for non-depository licensing clients in administrative investigation and enforcement actions before CA DFPI, CA DRE.
• Serves as licensing counsel on initial licensing, licensing administration and annual reporting compliance matters before multistate licensing regulatory agencies including CA DFPI, CA DRE. Collaborates with clients to prepare business plans that comport with and support licensable activities in a given state.
• Recognized industry expert on California Commercial Financing Disclosure Law and developer of master disclosure forms for all classes of “covered” commercial financing programs under CA DFPI regulations.
• RESPA counsel to mortgage clients, real estate developers and brokerage, settlement service providers, and other service providers on a variety of business arrangements including mortgage joint ventures and lead referral arrangements.
• Fair Lending Officer (as part of general counsel role) and outside counsel of mortgage Fair Lending compliance and risk management matters.
• As Fintech Company counsel, creator of BaaS customer facing agreements, terms and conditions, as well as B-to-B support agreements including Custodian and Bank Sponsor.
• As Multifamily Developer counsel, advise on California DRE compliance, CA land use, and alternative energy projects.
• As DRE Property Management counsel, work with internal Legal and Designate Officer personnel to prepare operating agreements, policies and procedures, and periodic reporting forms meeting DRE regulatory requirements.
• As Certified Mortgage Banker Designee, support national Mortgage Bankers Association and California Mortgage Bankers Association legislative and regulatory advocacy efforts, keeping financial services clients informed on legal and regulatory developments impacting their businesses.

CREDIT UNION REPRESENTATIVE MATTERS

• Charter conversion: represent California state credit union in its application to convert to federal charter under NCUA.
• Credit union merger  & acquisition: represent California state credit union in its acquisition of another California state credit union, involving application and Plan of Merger submissions to CA Department of Financial Protection and Innovation as well as NCUA.
• Fintech related matters: represent California state credit union in forming a wholly owned subsidiary (“Program Administrator”) to offer Banking as a Service to cannabis related business operations. Prepare operating agreements for the subsidiary, such as Customer Terms of Service, Custodian Agreement. Prepare similar operating agreement for the credit union, namely Sponsor Bank Agreement and Custodian Agreement (for placement of excess deposits in third party depository institutions through a designated Custodian that is a Nevada chartered trust company).
• Represent California state credit union in its application to the Federal Reserve Bank of San Francisco
• Advise California state credit union and its BaaS subsidiary on FinCEN reporting cannabis related cash and financial services transactions (Money Laundering Control Act/Bank Secrecy Act compliance).