Aileen Ng

Aileen Ng researches, interprets, and applies federal and state laws relating to consumer financial services and mortgage banking. She advises non-depository and depository institutions on laws regulating disclosures and agreements, including the Real Estate Settlement Procedures Act (RESPA), Truth in Lending Act (TILA), Equal Credit Opportunity Act (ECOA), Fair Credit Reporting Act (FCRA), E-Sign Act (Electronic Signatures in Global and National Commerce Act), and the financial privacy requirements in Title V of the Gramm-Leach-Bliley Act. Aileen also prepares multi-state regulatory surveys and analyses relating to mortgage lending, brokering, and servicing.

During law school, Aileen served several internships with the D.C. Superior Court where she worked on family law and domestic violence projects.

Representative Matters

• Counseled clients on the regulatory and licensing obligations for engaging in various activities, including, mortgage lending, brokering, and servicing, commercial mortgage lending and servicing, debt adjustments and foreclosure consulting, debt collections, and solicitation and referral activities in connection with consumer loans and consumer installment contracts
• Advised clients on compliance with recent regulatory guidance and changes due to the COVID-19 national emergency relating to debt collection and student loan servicing
• Obtained required state licenses for real estate broker, money lender, and student loan servicer clients
• Drafted and revised regulatory procedures and policies for mortgage lenders and mortgage servicers for compliance with RESPA/Regulation X and GLBA
• Conducted assessments of websites of financial institutions for compliance with GLBA, the California Consumer Privacy Act (CCPA), and the EU General Data Protection Regulation (GDPR) by drafting and revising website privacy policies, terms of use, and privacy notices

Judicial Internship

Magistrate Judge Michael Harvey, District Court for the District of Columbia, January 2016-April 2016

Professional Activities

American Bar Association

California Bar Association

Asian Pacific American Bar Association

Recognition & Accomplishments

Washington, D.C. Super Lawyers, "Rising Star," 2019

Community Activities

D.C. Bar Pro Bono Center, Immigration Clinic, Advice and Referral Clinic

Publications

Co-author, “States Issue Work-From-Home Guidance for Mortgage Lenders,” Ballard Spahr alert, March 16, 2020

Author, “Colorado Issues Student Loan Servicer License Aplications,” Ballard Spahr Consumer Finance Monitor blog, December 4, 2019

Author, “Did You Know?,” Ballard Spahr Mortgage Banking Update (regarding state mortgage licensing news, published bi-weekly)

The George Washington University Law School (J.D. 2017, with honors)
Staff Member, AIPLA Quarterly Journal
Member, Mock Trial Board

University of Florida (M.A. 2012)

University of Southern California (B.A., 2010, magna cum laude)

District of Columbia

California