Fedor F. Kamensky

Fedor Kamensky

Fedor F. Kamensky



1300 19th Street NW, 5th Floor
Washington, DC 20036-1609

Fed’s practice focuses on federal and state regulatory compliance matters related to the financial services industry. He represents and advises mortgage lenders, servicers, secondary market investors, and other financial institutions on federal and state mortgage banking and financial services laws, including RESPA, TILA, HMDA, ECOA, FCRA, GLBA, FDCPA, and SCRA, with an emphasis on residential mortgage lending compliance and regulatory issues. Among other things, Fed advises clients on origination and servicing requirements, marketing and advertising practices, quality control plans and compliance management systems, compensation and fee limitations, regulatory approval and licensing, and other business practices.

Fed also advises and assists companies with design and implementation of mortgage lending programs, including FHA-insured reverse mortgages (HECM), proprietary reverse mortgages, adjustable rate loans and home equity lines of credit (HELOCs). In addition, Fed performs regulatory compliance due diligence reviews in connection with the sale and acquisition of forward and reverse mortgage originators.

Practice Areas


  • The University of Akron School of Law, J.D./M.B.A., magna cum laude, 2003
  • Miami University of Ohio, B.A., 1998


  • District of Columbia
  • Michigan
  • Ohio

Representative Matters

  • Assist mortgage lenders and servicers in preparing for examinations by the Consumer Financial Protection Bureau (CFPB) and other federal and state financial regulators, including responding to information requests and deficiency findings
  • Assist mortgage companies with responding to matters requiring attention (MRA) in CFPB examination reports; help develop and implement corrective action; draft CFPB compliance progress reports on behalf of mortgage lenders
  • Assist mortgage lenders with internal and external audits, including with respect to fair lending and data integrity matters
  • Prepare multi-state compliance reviews of mortgage lending programs and related loan documents, disclosures and marketing materials
  • Assist mortgage lenders and servicers with developing compliance management systems (CMS), fair lending plans, third-party service provider oversight policies, and origination and servicing compliance policies and procedures
  • Review government-insured and proprietary reverse mortgage lending programs and related documentation for compliance with federal, agency, and state law requirements in all 50 states and the District of Columbia
  • Draft loan documents and consumer disclosures for forward and reverse mortgage lending programs
  • Review Home Equity Conversion Mortgage (HECM) loan documents, disclosures, and business practices for compliance with HUD, federal, and state requirements


  • Chapter contributor, Real Estate and Mortgage Banking: A New Era of Regulatory Reform (Thomson Reuters 2017-2018)
  • Co-author, Unfair, Deceptive or Abusive Acts or Practices (UDAAP) and Mortgage Acts and Practices Advertising (MAPS) Resource Guide, MBA Compliance Essentials (MBA 2016)