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.
Loretta Salzano advises banks, mortgage lenders, real estate brokers, title
agents and other settlement service
providers on how to increase their
business while remaining within the
confines of the laws of all 50 states and
federal law including, but not limited
to, TILA, RESPA, ECOA and HMDA.
Loretta advises her clients regarding
fair lending, compensation, marketing,
licensure, fees, disclosures, reporting, and other matters related to their
products and services. She drafts and
negotiates contracts, including service
agreements, compensation agreements,
loan purchase and sale agreements and
warehouse financing agreements. Loretta also assists clients in responding to
regulatory examinations and actions.
Loretta is active in many industry,
professional and civic associations and
frequently speaks on mortgage issues.
Loretta’s firm serves as the Georgia
editor to Houselaw.
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,
Regulatory Compliance Lawyers
excelling in all fields – knowledge, analytical ability, judgment, communication, and ethics.