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The Law Offices of Alan Abergel, P.C. (“LOAA”) represents mortgage lenders, brokers, originators, and mortgage companies in Texas Department of Savings and Mortgage Lending (SML) administrative enforcement matters.
Attorney Alan Abergel is licensed by both the State Bar of Texas and the State Bar of California. LOAA also provides California DFPI and DRE mortgage license enforcement defense services.
An attorney representing a mortgage lender, broker, or originator in a mortgage license enforcement case must have deep substantive knowledge of:
Federal mortgage and consumer credit laws
CFPB and FTC regulatory frameworks
Texas Department of Savings and Mortgage Lending (SML) rules
A general administrative attorney defending unrelated license types is unlikely to regularly practice mortgage lending compliance and financial services regulation. Procedural knowledge of administrative hearings and appeals is only one component of effective representation. Substantive regulatory expertise is essential.
LOAA practices consumer credit and financial services regulatory compliance and administrative enforcement defense for mortgage-industry clients.
The Texas Department of Savings and Mortgage Lending (SML) regulates:
State-chartered savings banks
Residential Mortgage Loan Originators (RMLOs)
Mortgage bankers and mortgage companies
Mortgage servicers and mortgage-related entities
The SML is responsible for licensing, supervision, examination, and enforcement of mortgage lending laws in Texas and investigates consumer complaints involving mortgage origination and servicing.
Texas SML regulates and licenses a wide range of mortgage-related entities, including:
Mortgage Loan Originators
Mortgage Companies and Mortgage Bankers
Residential Mortgage Loan Servicers
Independent Contractor Loan Processor and Underwriter Companies
Auxiliary Mortgage Loan Activity Licensees
Credit Union Subsidiary Organizations
Financial Services Company Registrants
The Texas SML aggressively enforces mortgage lending statutes and regulations to protect consumers and maintain a stable mortgage market. Enforcement actions may involve:
Licensing violations
Regulatory compliance deficiencies
Mortgage origination and servicing violations
Consumer complaint investigations
Administrative sanctions, fines, and license suspension or revocation
LOAA provides legal services to mortgage lenders, brokers, and originators, including:
Representation in Texas SML investigations and administrative hearings
Representation in Texas Real Estate Commission (TREC) investigations and proceedings
Administrative appeals to the Travis County District Court
Mortgage regulatory compliance counseling
Drafting mortgage lending agreements, disclosures, and compliance documentation
Legal opinions regarding Texas and federal mortgage lending laws
LOAA advises mortgage industry clients on compliance with:
Texas Finance Code mortgage lending provisions
Texas Administrative Code SML regulations
Federal consumer credit laws and regulations
CFPB mortgage rules and enforcement guidance
FTC consumer financial regulations
LOAA provides administrative, civil, compliance, and transactional legal services for mortgage lenders, brokers, originators, and mortgage companies.
No criminal defense services are provided.
Texas Mortgage License Defense Lawyer
Texas SML Enforcement Defense Attorney
Mortgage Loan Originator Defense Attorney
Mortgage Company Regulatory Defense Lawyer
“I engaged Alan to help me through the complexities of obtaining my Lenders License. He was very knowledgeable about the process and provided me with a high level of service. I worked quickly getting him all the information needed and he worked at my pace. He was responsive to e-mails and questions and followed up with the DFPI to make sure everything was filed correctly. I had read online that this process could take as long as 6 months however Alan completed the assignment in less than 3 I will be retaining his services in the future to ensure my company remains in compliance."
--Petroleum Realty Group Inc.
"I hired Alan to represent me as a mortgage broker before the California Department of Real Estate. I couldn't be more pleased with Alan's services from start to finish. Alan was clear and concise. Alan's communication throughout the process was professional. I received the results I hoped for. Thank you Alan. I'll definitely recommend you to ALL and use your services again in the future shall I need anything!"
-Anonymous
"Very helpful in assisting in obtaining an OCCC Texas Motor Vehicle Sales Finance License. Very knowledgeable in answering all questions the OCCC asked for on their questionnaire. Highly recommended and would re-hire for any future assistance regarding motor vehicle and finance business. God Bless!"
-Raul
