Ballard Spahr LLP

Finance

Partner and Practice Leader of Ballard Spahr’s Mortgage Banking Group

Richard J. Andreano, Jr., is the Co-Practice Leader of Ballard Spahr’s Mortgage Banking Group. Mr. Andreano advises financial and settlement services clients on federal and state regulatory compliance and transactional matters, and administrative examinations, enforcement actions and investigations. He counsels on a variety of RESPA, TILA, ECOA, Fair Housing Act, FCRA, HMDA, GLBA, UDAAP and Federal Housing Administration issues. Representative matters include TRID rule, ability to repay/qualified mortgage, loan originator and branch manager compensation, fair lending, information sharing, affiliated business arrangement, marketing arrangement, lead generation, and flood insurance matters. He is the principal contact for the firm in its role as federal consumer regulatory counsel to the Real Estate Services Providers Council, Inc. (RESPRO).

Admissions: District of Columbia, Virginia

Publications:

Author, MBA Compliance Essentials Loan Originator Compensation Rule Resource Guide. Co-author, MBA Compliance Essentials TILA RESPA Integrated Disclosure (TRID) Resource Guide. Editor-in-chief and contributing author, Mortgage Finance Regulation Answer Book, published by the Practising Law Institute.

Fellow, American College of Consumer Financial Services Lawyers; American Bar Association

George Washington University Law School (J.D. 1983), State University of New York, Oneonta (B.A. 1980)