Attorney Wendy Bernard has more than 20 years diverse experience in the mortgage banking industry, inclusive of 10 years experience as regulatory compliance counsel to lenders, brokers and mortgage loan originators. Advise clients on matters pertaining to Federal and State banking law and regulation, licensing and qualification under the S.A.F.E. Act, and develop strategies for a vast array of mortgage banking/brokering transactions to ensure compliance under TILA, REG Z/MLO Comp Rule, RESPA, ECOA, HMDA, HOEPA, HERA, FCRA/FACTA, GLBA, Red Flags, AML/SAR, among others.