Erika Sonstroem Email & Phone Number

Mclean, Virginia, United States

Mclean, Va

I work in single family mortgage servicing policy and transactions

Washington, D.C.

I focused on consumer financial services law and regulation as well as state licensing matters pertaining to mortgage lenders and other financial institutions. I am experienced in matters concerning mortgage servicing and default issues, loss mitigation alternatives, state-level residential and consumer lending, Property Assessed Clean Energy (“PACE”) loans, the Servicemembers Civil Relief Act ("SCRA"), and residential real estate title. I concentrated my practice in state licensing matters and advise members of the financial services industry on state and federal regulatory issues. EXPERIENCE• Facilitated major aspects of obtaining mortgage lending licenses for a bank subsidiary and consumer lending licenses for a manufacturing company.• Regularly research and write on new issues impacting environmental PACE programs at the state, county, and municipal level.• Prepared 50 state surveys on topics including aspects of state-implementation of the SAFE Act, requirements for both commercial and consumer loan licensing, and mortgage origination disclosure requirements. • Organized the licensing aspects required by a complex corporate change of control. • Assisted with examination review of major mortgage servicer.

Charlotte, Nc And Washington, D.C.

At Dykema, I was an associate in the Financial Services Regulatory and Compliance practice, advising financial institutions on regulatory and enforcement issues related to consumer lending and loan servicing. My work included counseling financial institutions on residential real estate title, mortgage servicing, and default servicing issues. I also gained experienced in matters concerning Property Assessed Clean Energy (“PACE”) loans, the Fair Debt Collection Practices Act (“FDCPA”), the Servicemembers Civil Relief Act (“SCRA”), the Consumer Financial Protection Bureau (“CFPB”), and state-level consumer lending. At Dykema, I concentrated my practice in state licensing and consumer lending matters and regularly contributed to Dykema’s Consumer Financial Protection Bureau Alerts.

Fairfax, Virginia

Now Shapiro & Brown, LLP. I worked on real estate title, mortgage default, and loss mitigation issues, particularly deeds in lieu of foreclosure. I oversaw and directed a number of employees on these issues to ensure efficient client service and compliance with Virginia law.

Doctor Of Law (J.D.), Law

Activities and Societies: Federal Circuit Bar Journal, Student Bar Association, American Bar Association Student Liason, Phi Alpha Delta

Bachelor Of Arts (B.A.), Political Science And English, Cum Laude

Activities and Societies: Phi Beta Kappa, National Merit Scholar, University of Florida Model United Nations President (2003-04), Vice.

High School Diploma