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Manu J. Sebastian

Manny Sebastian

Manu J. Sebastian

Associate

Contacts

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

Manu’s practice primarily focuses on federal and state regulatory compliance matters for the financial services industry. He advises mortgage companies, financial institutions, and secondary market investors on federal and state law in the areas of mortgage banking, real estate finance, and consumer finance, including the Dodd-Frank Act, EFTA, ECOA, FCRA, FDCPA, GLBA, RESPA, TCPA, TSR, TILA, and UDAP.  Manu also advises clients on federal and state licensing and approval requirements, and performs due diligence in connection with mergers and acquisitions of financial institutions.

In addition, Manu assists financial institutions in defending against regulatory actions brought by HUD/FHA.  Prior to joining the firm, Manu worked for the U.S. Department of Housing and Urban Development in the Office of Program Enforcement in the Office of General Counsel and in the Mortgagee Review Board Division of the Federal Housing Administration. He also worked with the Department of Justice Criminal Division in the Securities and Financial Fraud Unit. Prior to attending law school, Manu spent seven years as a loan originator and manager in the residential mortgage industry.

Practice Areas

Education

  • Syracuse University College of Law, J.D., 2015
  • University at Albany – SUNY, B.A., 2003

Admissions

  • District of Columbia
  • New Jersey
  • New York

Representative Matters

  • Assist financial institutions in defending against regulatory actions brought by HUD/FHA, including drafting responses to Notices of Violation and Notices of Termination of Underwriting Authority, and appealing Demands for Payment on indemnifications
  • Research, interpret, and advise clients on compliance requirements under state and federal law, including the Dodd-Frank Act, EFTA, ECOA, FCRA, FDCPA, GLBA, RESPA, TCPA, TSR, TILA, and UDAP
  • Advise clients on federal and state licensing and approval requirements, including Fannie Mae, FHA, Freddie Mac, Ginnie Mae, and VA
  • Perform due diligence in connection with mergers and acquisitions of financial institutions, including mortgage lenders
  • Review Home Equity Conversion Mortgage (HECM) and proprietary reverse mortgage loan documents, disclosures, and business practices for compliance with state and federal requirements
  • Prepare multi-state regulatory surveys and analysis relating to mortgage lending, commercial lending, brokering, servicing, and debt collection programs

Publications

  • The European Union’s General Data Protection Regulation: How Will It Affect Non-EU Enterprises?, 31 SYRACUSE SCI. & TECH. L. REP. 216 (2015)

Affiliations

  • American Bar Association
  • District of Columbia Bar Association