Amanda Phillips, an attorney with significant experience in the regulatory compliance aspects of mortgage lending, has joined Ballard Spahr's Mortgage Banking Group, the firm announced today. Ms. Phillips will be Of Counsel in the firm's Denver office.

Before joining Ballard Spahr, Ms. Phillips spent 10 years as in-house counsel for a leading mortgage origination software platform and a national mortgage lender. She advises clients on the federal and state regulatory requirements governing mortgage lending, including business processes and practices, software, and documentation.

"Mandy's in-house background has given her firsthand knowledge of the challenges our clients face," said John D. Socknat, co-leader of Ballard Spahr's Mortgage Banking Group. "She has the perspective, experience, and industry relationships our clients need to successfully navigate the complex and rapidly changing regulatory framework our industry."

Ms. Phillips' experience includes establishing scalable compliance policies, developing strategies to identify compliance risk, and leading internal compliance programs. She provides compliance guidance in areas spanning product development, sales, contract negotiations, and implementation. She also helps clients comply with a variety of laws and regulations, including the Home Mortgage Disclosure Act (HMDA), Real Estate Settlement Procedures Act (RESPA), Truth-In-Lending Act (TILA), and the Federal Trade Commission's Telemarketing Sales Rule.

The attorneys in Ballard Spahr's Mortgage Banking Group work with a wide range of clients spanning the residential and commercial mortgage banking industries—from groundbreaking startups to global financial institutions, mortgage lenders, investors, and industry service providers. The Group—part of the firm's top-ranked Consumer Financial Services practice—combines broad regulatory experience with nationally recognized skill and depth in litigation, enforcement actions, and transactions.

"Ballard Spahr is an undisputed leader in consumer financial services law, and serves clients in every corner of the mortgage banking industry," Ms. Phillips said. "My new colleagues have the national platform, practice depth, and across-the-board strength I was looking for in moving from in-house to a firm."