Jennifer L. Dozier focuses her practice in lending compliance, particularly predatory lending and other multi-state lending origination and servicing issues. On behalf of the firm’s clients, Ms. Dozier manages the legislative monitoring and reporting activities related to federal and state legislation, including implementing administrative regulations. She received her B.A. in Political Science from the University of Georgia in 2002. She received her J.D. from the University of Mississippi School of Law in 2005. While at Ole Miss, Jenny served as a member of the Mississippi Law Journal. Jenny is admitted to practice in Georgia.
University of Mississippi School of Law, Oxford, MS, J.D. 2005
Member, Mississippi Law Journal
University of Georgia, Athens, GA, B.A. 2002
Lending Compliance:
- Advise banks, lenders, loan servicers, and other financial institutions on multi-state and federal lending and loan servicing laws, including, but not limited to, the Dodd-Frank Act, RESPA, TILA, ECOA, HMDA, FCRA, SAFE Act, “anti-predatory lending,” licensing, usury, loan documentation, disclosures, loan programs and compensation;
- Monitor federal and state legislative and regulatory developments impacting financial services industry;
- Advise mortgage brokers on state and federal laws applicable to their businesses;
- Manage firm’s legislative monitoring service and advise clients on statutory and regulatory changes;
- Draft and review loan origination, security and servicing documents, disclosures and notices;
- Prepare state licensing applications and reports for lenders and mortgage brokers;
- Respond to examinations by state and federal regulators; and
- Audit loan files for compliance with applicable laws.
General Corporate/Business:
- Draft and negotiate contracts, including, but not limited to, marketing agreements, warehouse financing agreements, loan purchase and sale agreements, asset sale agreements, correspondent agreements, broker agreements, servicing agreements, processing agreements, and other service agreements and leases.
- Prepare opinion letters in connection with loan sale agreements and warehouse line of credit agreements.
- Prepare loan documents.
- Prepare and file security documents.
Privacy and Marketing:
- Advise financial service providers and vendors for the financial services industry concerning state and federal privacy laws, including the Gramm-Leach Bliley Act and information safeguarding requirements;
- Review advertisements for compliance with state and federal law; and
- Draft privacy notices and Red Flags Rules programs.
Auto Dealer Compliance:
- Advise dealer clients regarding state and federal law compliance; and
- Review and draft legislation for automobile trade group.
