Todd Karazim is an attorney in Offit Kurman’s Financial Institutions Regulatory Practice Group. Mr. Karazim has vast experience advising mortgage servicers - including in-house and subservicing platforms - and mortgage lenders, including experience with consumer direct/digital, correspondent, retail and wholesale divisions. Mr. Karazim prides himself on being a valued strategic business partner. Mr. Karazim routinely advises clients on multi-state compliance matters involving mortgage lending, servicing and debt collection, including technology and licensing matters. Mr. Karazim has worked with a variety of trade groups, including the Mortgage Bankers Association, as well as state legislatures in submitting industry comment letters covering a variety of areas, including debt collection, Property Assessed Clean Energy (“PACE”), junior mortgage requirements, and loss mitigation programs. Mr. Karazim has also assisted in reviewing and streamlining a variety of agreements and disclosures as part of the mortgage lending and servicing businesses. He works with business partners in reviewing policies, procedures, and practices to fit business needs and regulatory requirements, including TILA, RESPA, SCRA, GLBA, vendor selection/oversight/due diligence, remote online notarization/eClosings, and a variety of state requirements. Mr. Karazim advises clients on applicable guidelines and requirements of the Consumer Financial Protection Bureau (“CFPB”), United States Department of Housing and Urban Development (“HUD”), Department of Veteran Affairs (“VA”), Federal Home Loan Mortgage Corporation (“Freddie Mac”), Federal National Mortgage Association (“Fannie Mae”), Government National Mortgage Association (“Ginnie Mae”), and United States Department of Agriculture (“USDA”), Mortgage Electronic Registration Systems (“MERS”), Housing Finance Agencies (“HFAs”), and state regulators.