Karen Morgan

Karen M. Morgan is an experienced consumer financial services attorney who counsels national mortgage servicers and financial institutions on compliance issues and legal risks under state and federal financial services laws and regulations. Ms. Morgan has handled the following representative work:Counseled a national mortgage servicer on compliance issues in an Examination by the Consumer Financial Protection Bureau; analyzed servicer's practices under financial services laws, including the Real Estate Settlement Procedures Act (RESPA), Truth in Lending Act (TlLA), and Fair Debt Collection Practices Act (FDCPA); and drafted responses to Examination requestsCounseled a national financial institution on legal risks under relevant state and federal financial services laws and regulations, including TlLA, the FDCPA, the Fair Credit Reporting Act (FCRA), the Servicemembers Civil Relief Act (SCRA), and federal bankruptcy statutesManaged a team of attorneys completing a loss mitigation and fair servicing internal investigation and loan file review for an international financial institutionAnalyzed the applicability of state financial services laws related to default servicing for a national financial institution for a 51-jurisdiction chart summarizing findings