Pratt's Consumer Credit and Truth-in-Lending Compliance Report

James H. Pannabecker writes from Natural Bridge Station, Virginia and focuses on banking law and regulatory compliance. Mr. Pannabecker formerly was a senior vice president and general counsel of Citicorp Mortgage, Inc., where he managed the provision of legal services for the nationwide origination of mortgage loans through Citicorp's affiliated first mortgage lenders. Before joining Citicorp, Mr. Pannabecker served as in-house counsel to Maryland National Bank; First Virginia Banks, Inc.; and First American Mortgage Group. He also is a former Professor of Practice at the Washington & Lee University School of Law.

Mr. Pannabecker is the author or coauthor of numerous publications in the areas of truth in lending, real estate settlement procedures, equal credit opportunity, community reinvestment, home mortgage disclosure, and banking law. His most recent book, 2018 Home Mortgage Disclosure Act Manual, is now available from LexisNexis. Other publications include Truth-in-Lending Manual: Text and Forms; Practical Guide to the Wall Street Reform and Consumer Protection Act: Understanding and Implementing Changes Under the Dodd-Frank Act; The RESPA Manual: A Complete Guide to the Real Estate Settlement Procedures Act; Mortgage Lending Compliance with Federal and State Guidance; Mortgage Lenders Model Compliance Manual: Policies, Forms, and Checklists; Banking Law Digest; The Law of Electronic Fund Transfer Systems; and The TILA-RESPA Disclosure Integration Manual: A Guide to Implementing the CFPB's 2015 Disclosure Integration Rule. He also writes two monthly newsletters, The Banker's Letter of the Law and Compliance Examinations Update for Financial Institutions.