J. David Dresher

Contact

P: 205.521.8605
F: 205.488.6605
Secretary:
P: 205.521.8606
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J. David Dresher

Partner

Dave Dresher is chair of the firm’s Banking and Financial Services Practice Group. He represents banks, mortgage companies, finance companies and other lenders.

He helps lenders in developing contracts, disclosures and security documents, and advises on permissible interest rates, fees and charges. He assists them with federal and state regulatory issues, including TILA, ECOA, Fair Lending, Licensing and CFPB requirements. He assists mortgage companies structure compliant marketing programs with builders and realtors.

Dave Dresher is chair of the firm’s Banking and Financial Services Practice Group. He represents banks, mortgage companies, finance companies and other lenders.

He helps lenders in developing contracts, disclosures and security documents, and advises on permissible interest rates, fees and charges. He assists them with federal and state regulatory issues, including TILA, ECOA, Fair Lending, Licensing and CFPB requirements. He assists mortgage companies structure compliant marketing programs with builders and realtors.

Dave has counseled clients on federal and state-law regulatory and compliance issues affecting mortgage lenders for more than 30 years, including TILA, RESPA, ECOA, Fair Lending, Federal and GSE Appraiser Independence Requirements, Flood Insurance, Licensing, Interest Rates and permissible charges, etc. He assists banks and mortgage companies in implementing compensation plans and agreements for their loan originators for compliance with the new LO Compensation Rule from the CFPB.

Representative Matters/Transactions

  • Helped clients implement compliant Loan Origination Compensation Programs.
  • Advised and defended clients in connection with ECOA Fair-Lending investigations and challenges.
  • Advised clients on operational and form modifications needed for compliance with CFPB regulations.
  • Advised clients on joint marketing arrangements and CFPB/RESPA concerns.

Distinctions

  • Listed in Chambers USA
    • Banking & Finance, 2006-2014
    • Real Estate, 2005-2014
  • Listed in The Best Lawyers in America®
    • Banking and Finance Law, 2006-2015
    • Financial Institutions Law, 2011-2013
    • Financial Services Regulation Law, 2001-2006, 2014-2015
  • Listed in Alabama Super Lawyers
    • Banking, 2008-2014

Memberships and Affiliations

  • American Bar Association
  • Alabama State Bar Association
  • Birmingham Bar Association