Mitchel H. Kider
In his 35 years as a practicing attorney, Mitch has represented banks,
mortgage companies, residential
homebuilders, real estate settlement
service providers, credit card issuers,
and other financial service companies
in a broad range of matters. Mitch
represents clients in investigations and
enforcement actions before the Consumer Financial Protection Bureau,
Department of Housing and Urban
Development, Department of Veterans Affairs, Department of Justice,
Federal Trade Commission, Ginnie
Mae, Fannie Mae, Freddie Mac, and
various state and local regulatory
authorities and Attorneys General offices. In addition, Mitch acts as outside
general counsel to smaller companies
and special regulatory and litigation
counsel to Fortune 500 companies.
Carolyn Goldman represents mortgage
companies, banks and other businesses
in regulatory compliance, complex litigation and administrative proceedings.
For the past 20 years, Ms. Goldman
has provided the service of acting as an
Arizona “Responsible Individual (RI),”
and in connection with that service, has
provided legal advice regarding Arizona laws and regulations and guidance
and representation in examinations by
the Arizona Department of Financial
Institutions (AZDFI). Ms. Goldman
also represents mortgage companies,
which have not retained her as their RI,
and have been charged with violations
of laws in administrative proceedings.
Ms. Goldman has been honored to be
appointed by the Superintendent of the
AZDFI to its testing committees and
her firm was recently appointed to the
AARMR Advisory Council.
Richard J. Andreano, Jr., is the Practice
Leader of Ballard Spahr’s Mortgage
Banking Group. He has devoted 30
years of practice to financial services,
mortgage banking, and consumer
Mr. Andreano advises banks, lenders,
brokers, home builders, title companies,
real estate professionals, and other
settlement providers on regulatory
compliance and transactional matters,
Federal Housing Administration (FHA)
issues, and administrative examinations,
enforcement actions and investigations.
He also works with litigation counsel on
devising strategies for defense of class
action and other lawsuits involving
regulatory claims. Mr. Andreano is the
principal contact for the firm in its role
as federal consumer regulatory counsel
to the Real Estate Services Providers
Council, Inc. (RESPRO).
Richard J. Andreano, Jr.
These attorneys are universally recognized by their peers as setting the highest standard for the legal profession,
excelling in all fields – knowledge, analytical ability, judgment, communication, and ethics.
Regulatory Compliance Lawyers