Financial service companies trust Lauren to move them forward through complex compliance issues impacting end-to-end lending and deposit transactions.
Lauren helps financial services clients – including banks, credit unions, non-bank lenders, finance companies and financial services vendors – align their business goals with federal and state regulations. She works closely with clients to meet their unique needs when drafting and reviewing lending and deposit contracts and disclosures, consulting on new product development, reviewing advertisements in various mediums, advising on check fraud matters and providing general guidance on complex regulatory issues. She helps clients resolve accusations of discrimination and fair lending laws and works with regulators in various capacities, including in the course of compliance examinations. Lauren is also well-versed in the subtleties of providing banking services to cannabis businesses and other unique parties such as service members, and directors and officers of banks. Lauren helps clients stay in compliance with consumer laws such as:
- Truth-in-Lending Act (TILA) and Regulation Z
- Real Estate Settlement and Procedures Act (RESPA) and Regulation X
- Equal Credit Opportunity Act (ECOA) and Regulation B
- Bank Secrecy Act (BSA)/Anti-Money Laundering (AML)
- Electronic Fund Transfer Act (EFTA) and Regulation E
- Fair Credit Reporting Act (FCRA)
- Flood regulations
- Gramm-Leach-Bliley Act (GLBA) and Regulation P (Privacy)
- Regulation O
- Telephone Consumer Protection Act (TCPA)
- Military Lending Act (MLA)
- Servicemembers Civil Relief Act (SCRA)
- Unfair, Deceptive, and Abusive Acts or Practices (UDAAP)
- Wisconsin Consumer Act
- Wisconsin first lien law
- Wisconsin Marital Property Act
- Wisconsin Credit Union Act
Clients value Lauren’s previous experience in private practice advising Wisconsin and regional banks and their trade association, as a senior regulatory compliance manager at CUNA Mutual Group, and as a Senior Attorney with the U.S. Government Accountability Office (GAO). Acting in those capacities, she has had the opportunity to handle complex financial regulatory issues from multiple angles and brings her broad perspective and pragmatic approach to clients. Whether guiding clients regarding the provision of accurate and timely disclosures, navigating data breaches, collaborating with auditors and regulatory agencies during audits or exams, or working with loan origination software vendors to draft business logic in response to regulatory changes, Lauren enjoys helping financial services clients navigate this highly regulated sector.