Stephen Ornstein concentrates on federal and state mortgage banking, consumer credit and ancillary services regulatory issues. He counsels national mortgage lenders, servicers, insurers and secondary market issuers in complying with lending regulations, including:RESPATruth in LendingFair Credit ReportingEqual Credit OpportunityFair Housing/Fair LendingNational Flood Insurance Act�Student Lending Requirements��State regulations and licensingPrivacyStephen works extensively in government regulation of mortgage finance, particularly with respect to FHA-insured and VA-guaranteed single-family and project mortgage loans. He has substantial experience in federal and state bank regulation, including agency powers and procedures with respect to professional liability claims. His consumer finance expertise spans the range of asset classes, including residential and commercial mortgage loans, student loans and payday loans. Stephen also represents clients with matters involving the Consumer Financial Protection Bureau. Stephen earned his J.D. from Columbia Law School as a Harlan Fiske Stone Scholar. He earned his A.B., magna cum laud and Phi Beta Kappa, from Brown University.
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Independent and authoritative analysis and perspective for the banking industry