Heather Clark is a member of the Financial Institutions Regulatory Practice Group at Offit Kurman. Ms. Clark advises clients on an array of matters related to mortgage banking and financial services laws and regulations, with a focus on consumer protection and residential lending. Her extensive experience in a wide variety of consumer finance laws includes the Equal Credit Opportunity Act (ECOA), Fair Credit Reporting Act (FCRA), Gramm-Leach-Bliley Act (GLBA), Home Mortgage Disclosure Act (HMDA), Real Estate Settlement Procedures Act (RESPA), Secure and Fair Enforcement for Mortgage Licensing Act (SAFE Act), Truth in Lending Act (TILA), and the Bank Secrecy Act. In addition, she has significant experience with state lending laws, including advertising, disclosures, licensing, fee prohibitions, privacy, and predatory lending requirements.
Ms. Clark is a highly accomplished attorney with nearly 20 years of business experience, including various management and executive-level roles. Prior to joining Offit Kurman, Ms. Clark was the vice president of a compliance consulting firm that provided clients across the nation with practical and strategic assistance on federal and state compliance, and on the implementation of legal and regulatory requirements into ongoing business operations. Ms. Clark also served as executive vice president, associate general counsel, and chief compliance officer for a national mortgage lender. In this position, she gained invaluable insight into the day-to-day needs of a fast-growing national mortgage banker with multiple business channels. Ms. Clark also spent several years working with title insurance and settlement services companies.
The experience Ms. Clark has gained throughout her career enables her to provide calculated and tactical guidance to clients based upon her knowledge of legal and regulatory requirements and on her understanding of how to address on-the-ground challenges within a financial institution.