Melissa Sanchez Malpass

• Represented mortgage lenders, automobile lenders, and credit card issuers in federal and state agency investigations and enforcement actions brought under the Equal Credit Opportunity Act (ECOA).
• Represented mortgage lenders and appraisal management companies in federal investigations brought under the Fair Housing Act.
• Assisted clients with CFPB examinations and best practices for compliance with federal consumer financial laws.
• Counseled financial institutions on a variety of regulatory issues, including fair lending, licensing, compensation, disclosures, lead generation, financial privacy, anti-money laundering, and advertising.
• Assisted clients with rolling out new financial products and services, such as credit monitoring, overdraft protection, and mobile wallet access, in compliance with financial regulatory requirements.

Melissa Malpass advises financial institutions on compliance with federal and state consumer financial laws. She regularly counsels mortgage lenders on loan origination, including disclosures, loan originator compensation, ability-to-repay standards, and other requirements imposed by the Truth in Lending Act (TILA), Real Estate Settlement Procedures Act (RESPA), and Title XIV of the Dodd–Frank Act. Melissa also advises mortgage servicers on compliance with federal and state regulations governing loss mitigation and foreclosure. 

Melissa has extensive experience counseling financial institutions on fair lending matters, specifically with developing internal policies and procedures for compliance monitoring and training. She has advised financial institutions on regulatory compliance with federal consumer financial laws such as the prohibition on unfair, deceptive, and abusive practices. In particular, she provided financial technology companies with regulatory guidance on emerging payment systems and requirements under the Electronic Funds Transfer Act (EFTA).

Languages

• Spanish
• French

Bar Admissions

• District of Columbia
• Florida (Inactive)

Education

• Georgetown University (J.D., 2005)
• University of Miami (B.S., 2002)

Memberships