Lance Morley, Esq. Email & Phone Number

Charlotte, Nc, Us

Charlotte, Nc, Us

Charlotte, Nc, Us

▪ Responsible for overseeing licensing initiatives and state and federal regulatory inquiries/exams, while assisting with advertising (including disclosure placement and content), policy creation, corporate governance, and cyber security matters.▪ Participate in joint venture and M&A initiatives as needed , while also assisting with corresponding diligence.▪ Support, advise, and serve as a lead on new initiatives and risk management across multiple lines of business such as mortgage, personal loans, auto financing, credit cards, insurance, business loans, and investment advising, with an emphasis on the consumer digital experience. ▪ Ensure compliance with laws such as the Investment Advisers Act of 1940; Equal Credit Opportunity Act (ECOA); Fair Housing Act (FHA); Real Estate Settlement Procedure Act (RESPA); Truth in Lending Act (TILA); Unfair, Deceptive, or Abusive Acts or Practices (UDAAP); the Fair Credit Reporting Act (FCRA); and associated regulations such as Regulations B, X, and Z, along with privacy related laws and regulations. ▪ Negotiate and assist with the drafting of commercial contracts with partners that include but are not limited to banks, non-bank lenders, other issuers of credit, lender alternatives, and registered investment advisers.▪ Serve as a direct report for legal and compliance personnel.▪ Advise C-Suite personnel and other members of upper management on legal and regulatory developments in consumer finance and FinTech industries, along with providing relevant updates from regulatory bodies such as the Consumer Financial Protection Bureau (CFPB), Federal Trade Commission (FTC), and Securities Exchange Commission (SEC).

Coral Gables, Fl, Us

Coral Gables, Fl, Us

Bayview Asset Management is a mortgage investment firm focused on investments in mortgage credit, including whole loans, mortgage and asset-backed securities, servicing rights, and mortgage-related equities.▪ Engaged in a corporate law practice related to commercial and residential mortgage servicing and origination, financial services, and financial institution risk management, with a focus on laws including but not limited to FCRA, TILA, RESPA, UDAAP, and corresponding regulations such as Regulations X and Z. ▪ Handled litigation management primarily related to lender liability, with management responsibilities including but not being limited to advising outside counsel on litigation strategies in accordance with internal practices, attending settlement conferences/mediations for both federal and state court matters, conducting internal investigations, and implementing policies and procedures to reduce risk and future litigation. ▪ Collaborated and advised varying business units on compliance issues, while addressing customer complaints.▪ Addressed title insurance matters and other property related disputes, including eminent domain demands. ▪ Reported to upper management, including the Chief Operating Officer (COO) and C-Suite personnel concerning important issues such as legal trends, regulatory concerns, and potential company liability.

Miami, Florida, Us

▪ Engaged in litigation defense in the areas of secured and unsecured lender liability, consumer finance, consumer retail banking, along with premises and general liability, with an institutional client base including but not limited to banks, non-bank lenders, and other corporations.▪ Initiated and prepared litigation strategies for civil lawsuits scheduled for trial.▪ Drafted various motions and pleadings related to negligence claims and alleged violations related to such laws as the Fair Debt Collection Practices Act (FDCPA) and the Home Ownership and Equity Protection Act (HOEPA).▪ Individually attended depositions and mediations, along with hearings concerning a variety of matters such as discovery disputes, motions to dismiss, and motions for summary judgment.

Miami, Florida, Us

▪ Engaged in civil litigation defense concerning multiple areas including but not limited to commercial transportation, lender liability, general liability, and professional malpractice. ▪ Provided representation for local, regional, and national clients.▪ Gained extensive experience in the direct examination and cross examination of witnesses.▪ Independently handled mediations, depositions, evidentiary hearings, and other related matters.▪ Prepared case reports which provided analyses as to potential liability and litigation strategies.

▪ Engaged in litigation concerning the practice areas of consumer finance, secured and unsecured lender liability, and real property, while specifically handling such matters as equitable subrogation claims, replevin and collection actions, TILA claims, and residential and commercial mortgage foreclosures.▪ Provided representation to financial institutions including banks, credit unions, and government sponsored enterprises (GSEs) related to mortgage defaults and credit card disputes.▪ Individually handled lawsuits from initiation through judgment, first chairing over 20 non-jury trials.▪ Gained in-depth knowledge concerning mortgage origination, securitization, and sales.

Master Of Laws - Llm

Juris Doctor (J.D.)

Bachelor'S Degree

High School