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Morey Barnes Yost

About Morey Barnes Yost

Morey Barnes Yost is a member of Alston & Bird’s Financial Services & Products Group and the Consumer Financial Services Team. She advises clients on a broad range of federal and state regulatory compliance matters relating to consumer financial services, including the Dodd–Frank Wall Street Reform and Consumer Protection Act, the Truth in Lending Act and state mortgage lending, servicing, appraisal and appraisal management company (AMC) statutes.

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CFPB Issues Special Edition of Supervisory Highlights Focusing on Junk Fees

March 24, 2023 By Morey Barnes Yost, Caroline Eisner and Patrick Eagan-Van Meter

A&B ABstract: In the 29nd edition of its Supervisory Highlights, the Consumer Financial Protection Bureau (“CFPB”) focused on the impact of so-called “junk” fees in the mortgage servicing, auto servicing, and student loan servicing industries, among others. CFPB Issues New Edition of Supervisory Highlights: On March 8, the CFPB published a special edition of its […]

Filed Under: Auto Loans, Consumer Financial Protection Bureau (CFPB), Consumer Loan, Dodd-Frank Act, Mortgage Servicing, Unfair, Deceptive and Abusive Acts or Practices (UDAAP) Tagged With: #CFPA, #CFPB, #mortgageservicing, Mortgage Servicing, Servicing, student loan servicing

New York Foreclosure Abuse Prevention Act Curtails Servicers’ Options

February 14, 2023 By Nanci Weissgold, Anoush Garakani, Morey Barnes Yost and Gloria Han

A&B ABstract: Effective on approval by Governor Kathy Hochul on December 30, 2022, New York Assembly Bill 7737b – the Foreclosure Abuse Prevention Act (the “Act”) became law.  The Act is signifcant because it reverses judicial precedent that permitted a lender, after default, to undo the acceleration of a mortgage and stop the running of […]

Filed Under: Mortgage Servicing, State Law Tagged With: #mortgageservicing, #New York, #NYDFS, #Part419, Case law, Foreclosure, Mortgage Servicing

Moving to Address Appraisal Bias, Agencies and the Appraisal Foundation Issue Updates

February 7, 2023 By Nanci Weissgold, Morey Barnes Yost and Melissa Malpass

A&B ABstract:  A year and a half after President Biden’s announcement of the Interagency Task Force on Property Appraisal and Valuation Equity (“PAVE”), the past weeks have seen a flurry of activity from federal agencies and the Appraisal Foundation to address issues of bias in residential property appraisal.  What should lenders, servicers, and appraisers know? […]

Filed Under: Appraisal and Valuation, Consumer Financial Protection Bureau (CFPB), Fair Housing Act, Mortgage Loans Tagged With: #CFPB, appraisal, bias, discrimination, mortgage lending

FHA Issues Final Rule on Acceptance of Private Flood Insurance Policies

November 29, 2022 By Morey Barnes Yost

A&B ABstract:  On November 21, 2022, the Federal Housing Administration (“FHA”) announced a final rule to provide for the acceptance of private flood insurance in connection with FHA-insured loans. FHA to Permit Private Flood Insurance Policies Effective December 21, 2022, the FHA has adopted a long-awaited final rule (the “FHA Rule”) permitting the acceptance of […]

Filed Under: Department of Housing and Urban Development (HUD), Flood Insurance, Mortgage Loans Tagged With: Fair Housing Administration, FHA, Flood Insurance, HUD, mortgage lending

New York Amends Contact Requirements for Certain Delinquent Borrowers

March 10, 2022 By Morey Barnes Yost

A&B ABstract: On February 24, Governor Kathy Hochul signed into law Assembly Bill 8771 (2022 N.Y. Laws 48), amending single point of contact requirements for certain delinquent borrowers.  What changes does the measure require for servicer protocols? New York SPOC Requirements: As created effective January 2, 2022, Section 6-o of the New York Banking Law […]

Filed Under: Mortgage Loans, Mortgage Servicing, State Law Tagged With: #New York

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