Holly Spencer Bunting

Partner at Mayer Brown LLP

Speaker

Holly Spencer Bunting offers clients strategic advice related to residential mortgage banking andconsumer finance, alternative mortgage products, real estate brokerage, title insurance, andfintech/proptech/insurtech products, especially on issues of federal and state regulatory compliance andenforcement. Companies turn to Holly for representation in the mortgage lending, title insurance and realestate industries on regulatory compliance matters, including matters involving the Real Estate SettlementProcedures Act (RESPA). She reviews and analyzes existing and proposed business arrangements forcompliance with state and federal requirements. Holly also defends clients subject to government audits, investigations and enforcement proceedings.Holly assists companies in complying with the anti-kickback requirements of RESPA, including counselingclients on the creation and operation of affiliated business arrangements, reviewing proposed and existingbusiness relationships, and drafting disclosures under Section 8 of RESPA. Mortgage companies andsettlement agents seek out Holly's advice on the TILA-RESPA Integrated Disclosure regulations, and Hollycounsels mortgage companies related to approval, origination and servicing requirements undergovernment lending programs, including the Federal Housing Administration single-family loan program.She conducts regulatory due diligence related to compliance with government loan origination andservicing regulations and guidelines, strategic referral arrangements and alliances under RESPA,development of alternative mortgage products and associated regulatory risks, compliance managementprograms, and compliance with federal consumer protection laws and state licensing requirements.Companies enlist Holly for defense in government enforcement proceedings, including, among others,RESPA enforcement matters, FHA and VA audits and CFPB investigations.