Kelley Hails focuses her practice on helping banks and other financial institutions with regulatory compliance matters. As part of her regulatory compliance practice, Kelley assists clients in the financial services and mortgage industries as they navigate, implement, and manage compliance with various originating and servicing obligations imposed on them by federal and state regulators, including the Real Estate Settlement Procedures Act (RESPA), the Truth in Lending Act (TILA), TILA-RESPA Integrated Disclosure requirements, Fair Credit Reporting Act (FCRA), Equal Credit Opportunity Act (ECOA), Unfair, Deceptive or Abusive Acts or Practices (UDAAP), and other CFPB and state consumer protection requirements. She regularly advises clients on the application of such laws in connection with day-to-day operations, maintenance or development of policies and procedures, product advertising and development, mock regulatory examination reviews, risk assessments, regulatory examinations, and error correction. Kelley also has experience in a variety of commercial lending transactions.
Kelley is fluent in Spanish and assists clients with matters involving Spanish-language needs.