Legal consulting, action and implementation.

Thayer Legal provides expertise with a broad cross-section of consumer lending, privacy and collections laws, including the mortgage provisions of Dodd-Frank.

Thayer Legal can assist with marketing campaigns, drafting consumer loan documents, and advising clients with developing and implementing compliance strategies. With real world experience in assisting lenders in dealing with state and federal consumer statutes, federal preemption, rate exportation and various state lending and unfair and deceptive trade laws; Thayer Legal has extensive experience advising state and federally chartered lenders, mortgage brokers, title companies and agencies with all aspects of compliance, licensing, litigation and investigations.

Thayer Legal has proven hands-on expertise in:

  • Truth in Lending Act (TILA--including HOEPA)
  • Real Estate Settlement Procedures Act (RESPA)
  • Dodd-Frank, specifically the mortgage provisions of Title XIV
  • Fair Credit Reporting Act (FCRA--including FACTA)
  • Equal Credit Opportunity Act (ECOA)
  • Gramm Leach Bliley Act (GLBA)
  • Fair Debt Collection Practices Act (FDCPA)
  • Telephone Consumer Protection Act (TCPA--including cell phone and texting use)
  • Homeowner’s Protection Act (HPA)
  • Fair Housing Act
  • Foreclosure (including OCC foreclosure reviews)
  • Consumer complaint processes
  • State and federal predatory lending
  • Privacy
  • Monitoring state law developments