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Scott D. Samlin advises financial institutions, mortgage lenders, and consumer finance companies on complex regulatory compliance issues spanning mortgage banking and consumer financial services. His counsel covers federal and state laws governing mortgage origination and servicing, including Real Estate Settlement Procedures Act, Truth in Lending Act, Equal Credit Opportunity Act, and Fair Debt Collection Practices Act, as well as emerging compliance challenges in consumer lending and secondary market transactions.Regulator-Focused InsightScott’s career began at the New York Department of Financial Services, giving him a deep understanding of how regulators interpret and enforce compliance obligations. He has spent decades guiding clients through examinations and enforcement actions before state and federal agencies, particularly in New York and California.Compliance-by-Design-SolutionsRather than offering piecemeal fixes, Scott helps clients build scalable, auditable compliance frameworks for mortgage operations, fair lending, and servicing activities. His approach translates complex regulatory requirements into practical workflows, policy templates, and governance structures that withstand scrutiny.Strategic Risk Management Scott is known for identifying high-impact issues early and providing clear, actionable roadmaps for remediation. His advice prioritizes regulatory exposure, operational risk, and reputational considerations, enabling clients to respond quickly and confidently.Industry LeadershipBefore joining the firm, Scott led the consumer financial services and bank regulatory practice at an Am Law 100 firm and served as executive director and compliance counsel for residential mortgage and lending businesses at a major multinational investment bank. He has also held senior in-hour roles, including EVP, general counsel, and chief compliance officer for a mortgage banking company. Scott is a nationally recognized speaker on banking, regulatory compliance, and securitization issues.

core/freeform

New Jersey

New York

U.S. District Court - Eastern District of New York

U.S. District Court - Southern District of New York

Consumer Finance Litigation

Financial Services

Real Estate

Non-Fungible Tokens (“NFTs”) & Digital Assets

FinTech

Mortgage

Decisions in the Dark: How CFOs Lead When the Path Isn’t Clear

New York City Finalizes SHIELD Rule Imposing New Requirements on Debt Collection Practices

A Primer for Lenders on NY’s New Mortgage Disclosure Regs

Executive Summary – New York Regulation and Disclosure – What Mortgage Applicants Need to Know

Compliance and Risk Management Conference

Legal Challenges for Online Lenders and Advertisers in a Rapidly Evolving Fair Lending Landscape

LEND360

​​​​​​​Buy Now Pay Later: Risks and Rewards

Financial Institutions Litigation and Regulatory Compliance (“FILARC”)

Structured Finance

Finance

Environmental, Social, and Governance (“ESG”)

<ul>
<li>Conduct enterprise-wide Consumer Financial Protection Bureau (“CFPB”) and Office of the Comptroller of the Currency readiness reviews of a company’s compliance management programs, business lines, operations and products to assess the level of potential risks to consumers and evaluate the company’s compliance management program.</li>
<li>Defend administrative enforcement actions (including state government audits and single or multistate examinations and investigations) and assist in litigation involving regulatory compliance issues.</li>
<li>Advise on compliance with federal and state mortgage loan origination, servicing, and secondary market regulations, and work with state regulators to obtain approvals, licenses, or regulatory guidance.</li>
<li>Counsel clients on compliance with regulations and guidelines governing the servicing industry, with a recent focus on the implementation of the CFPB’s newly finalized servicing standards and developing loss mitigation programs and related compliance policies and procedures for loan servicing operations.</li>
<li>On a 50+ state/jurisdiction basis, analyze and provide regulatory counseling, memoranda, and opinions (including surveys and fee charts) on applicable laws impacting the origination, servicing, and sale of mortgage loans and consumer loan products, including high-cost home loan triggers, late charges, prepayment penalties, points and fees restrictions, payoff statement fees, default servicing fees, and NSF fees.</li>
<li>Conduct fair lending and fair servicing assessments and create ongoing fair lending testing and monitoring programs for financial institutions.</li>
<li>Filed an amicus brief on behalf of the Structured Finance Industry Group trade organization to the U.S. Supreme Court addressing the capital markets industry’s strong opinion that the three-year right of rescission in the Truth in Lending Act statute is a hard and fast deadline for filing suit and not an open-ended right triggered by written notification, as the CFPB recently advocated. The eight circuits that have weighed in on the question have fallen into two camps, reaching opposite conclusions. The Third, Fourth, and Eleventh Circuits have held that written notification is sufficient, while the First, Sixth, Ninth, and Tenth Circuits held that a lawsuit must be filed within the three-year period.</li>
</ul>

Scott D. Samlin

Scott D. Samlin

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