Texas Escrow Licensing and Regulatory Lawyer

Escrow Officer and Title Agent Licensing, Compliance, and Enforcement Defense Counsel

The Law Offices of Alan Abergel, P.C. (“LOAA”) represents escrow officers, title agents, and title insurance companies in Texas in licensing, transactional, regulatory compliance, and administrative enforcement matters.

Attorney Alan Abergel is licensed by both the State Bar of Texas and the State Bar of California. LOAA also provides escrow licensing and regulatory services in California.

Texas Escrow and Title Industry Regulation

The Texas Department of Insurance (TDI) regulates:

• Escrow officers

• Title agents

• Title insurance companies

• Other title insurance industry entities and professionals

Texas escrow officers and title agents must comply with state licensing requirements, administrative rules, and applicable federal consumer finance laws.

Licensing and Corporate Structuring for Escrow and Title Companies

LOAA assists escrow officers and title agents with:

• Corporation and LLC formation

• Escrow officer and title agent licensing applications

• Regulatory structuring and ownership compliance

• Licensing strategy and application preparation

Mergers, Acquisitions, and Capital Raising for Escrow Companies

LOAA represents escrow and title companies in corporate transactions, including:

• Mergers and acquisitions involving escrow and title companies

• Regulatory approvals and license transfer issues

• Securities law issues related to capital raising by title agents and escrow companies

Regulatory Compliance and Documentation

LOAA advises escrow officers and title agents on:

• Texas and federal regulatory requirements

• Compliance with TDI rules and administrative regulations

• Drafting escrow instructions and escrow-related documentation in compliance with regulatory requirements

• Transactional structuring and compliance frameworks

• Legal Opinions:  LOAA provides legal opinions to individuals and businesses that need a legal analysis of whether their activities require a Texas escrow license and which one and under which classification. These opinions involve a detailed examination of the services provided, the compensation structure, the relationship between the service provider and the customer, and the specific statutory definitions and exemptions. A well-reasoned legal opinion provides the client with a documented basis for its compliance position and can serve as evidence of good faith in the event of a future Texas agency regulatory inquiry about whether the client's activities constitute unlicensed practice.

Enforcement Defense and Regulatory Investigations

LOAA provides defense representation for escrow officers and title agents in:

• Enforcement actions before the Texas Department of Insurance

• Alleged violations of RESPA, TILA, and other federal and Texas laws

• Alleged violations of CFPB regulations

• Administrative hearings, investigations, and regulatory proceedings

The firm advises clients on regulatory response planning, remediation strategies, and enforcement risk mitigation.

Federal and State Consumer Finance Law Compliance

Escrow officers and title agents may be subject to federal and state consumer finance laws, including:

• Real Estate Settlement Procedures Act (RESPA)

• Truth in Lending Act (TILA)

• CFPB regulations and supervisory guidance

• Texas title insurance and escrow regulatory statutes

LOAA advises clients on compliance obligations and regulatory risk management.

Scope of Representation and Professional Disclosure

LOAA provides transactional, licensing, compliance, administrative, and civil regulatory defense legal services to escrow officers and title agents.

LOAA does not represent consumers of escrow or title services. The firm represents only escrow officers, title agents, and title companies.

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PRINCIPAL OFFICE

600 West 6th Street Floor 4 Fort Worth, TX 76102 Phone: 817-304-9540 E-mail: alan@abergellaw.com