PRACTICE AREAS
Welcome to BRODY | GAPP LLP—your premier legal partner in the mortgage banking and financial services industries. We are a national law firm offering full-spectrum legal, compliance, and litigation support exclusively tailored to the needs of mortgage lenders, brokers, credit unions, servicers, and fintechs.
Our services are designed to deliver measurable results, streamline operations, mitigate regulatory risk, and protect your most critical business interests. Whether you need full legal infrastructure, strategic defense, or rapid-response support, we act as your outsourced general counsel and litigation ally.
Learn more about our Practice Areas below:
Regulatory Compliance
Practical Guidance. Proactive Protection.
At BRODY | GAPP LLP, we help mortgage lenders, credit unions, brokers, and fintechs navigate the evolving regulatory landscape with confidence. From CFPB scrutiny to multi-state licensing hurdles, we translate complex rules into clear, workable strategies that align legal requirements with your operational goals. Our attorneys bring deep industry insight to every engagement—helping clients design, implement, and defend compliance programs that meet federal and state requirements without slowing growth. Whether you're building a program from the ground up or preparing for your next audit, we offer tailored support that prevents risk and drives performance.
Our Services Include:
✔ Federal Law Compliance – TILA, RESPA, LO Comp, UDAAP, ECOA, and Fair Lending strategy and documentation.
✔ State Licensing & NMLS Filings – Comprehensive guidance for multi-state operations, license renewals, and expansion readiness.
✔ BSA/AML & Fraud Risk Programs – Develop and audit Bank Secrecy Act/AML frameworks, including independent testing.
✔ CFPB & State Exam Defense – Strategic response and defense in supervisory exams, enforcement actions, and administrative investigations.
✔ Policy & Training Systems – Custom-built policies, procedures, and training modules aligned to your business model and risk profile.
When compliance is a moving target, BRODY | GAPP LLP helps you stay one step ahead—with clarity, speed, and strategic foresight.
Gap Audits & Mock Exams
Audit Readiness Without the Surprise.
At BRODY | GAPP LLP, we help mortgage institutions get ahead of regulatory and investor scrutiny through targeted mock exams and gap audits. Designed to mirror the scope and intensity of CFPB, state, and GSE reviews, our audits uncover compliance breakdowns—before regulators or counterparties do.
We don’t just flag issues—we deliver prioritized remediation plans and work side-by-side with your team to implement corrective measures. Whether preparing for a formal examination, due diligence review, or internal quality control initiative, our team helps transform audit exposure into operational confidence.
Our Services Include:
✔ Mock Regulatory Exams – Simulated audits modeled after CFPB, state, GSE, or investor protocols.
✔ Policy & File-Level Reviews – Deep dive assessments of loan-level compliance, document controls, and internal policies.
✔ BSA/AML Readiness & Training – Independent reviews of Bank Secrecy Act/AML programs, along with tailored staff training and documentation support.
✔ Gap Reports & Corrective Action Plans – Clear, actionable deliverables that help mitigate risk and demonstrate good faith compliance.
You can’t fix what you haven’t found. Let us identify—and close—
your compliance gaps before they turn into enforcement events.
Commercial Litigation
Aggressive When Needed. Strategic Always.
At BRODY | GAPP LLP, we represent mortgage companies, financial institutions, and other high-growth businesses in complex commercial disputes where the financial and reputational stakes are high. Whether you're facing a breach of contract, internal ownership conflict, or vendor misrepresentation, our litigators deliver sharp, business-minded strategies—not boilerplate legal battles.
We know that in regulated, document-heavy industries like mortgage and lending, litigation risk can arise fast and from multiple fronts. That’s why we approach every case with a clear understanding of the business model behind the dispute—and build our case to win in court or negotiate from strength.
Our Litigation Capabilities Include:
✔ Contract & Partnership Disputes – Enforcing or defending claims involving broken agreements, JV breakdowns, and equity conflicts.
✔ Fraud & Business Torts – Litigating fraud, misrepresentation, tortious interference, and deceptive trade practices.
✔ Real Estate, Franchise & Vendor Claims – Resolving disputes tied to leases, purchase agreements, license contracts, and service failures.
✔ Emergency Relief & Strategic Settlements – Obtaining injunctions, preserving key assets, and maximizing leverage in pre-trial negotiations.
When litigation is unavoidable, we help clients fight smart—and with an eye toward business continuity and long-term outcomes.
Loss Mitigation & Repurchase Defense
National Leaders in High-Stakes Mortgage Disputes.
At BRODY | GAPP LLP, we have collectively defended more mortgage lenders in repurchase and indemnification disputes than perhaps any other law firm in the country. Our attorneys have been at the forefront of this space since the fallout of the financial crisis—including representation in over 70 Lehman Brothers indemnification lawsuits in the Southern District of New York Bankruptcy Court, more than 10 lawsuits filed by CitiMortgage, and numerous investor and agency claims nationwide.
We bring this depth of experience to every engagement—knowing that while success can never be guaranteed, seasoned counsel makes a measurable difference when navigating the complexities of repurchase liability, investor pushback, and litigation strategy.
We take a holistic, litigation-ready approach—assessing defenses, uncovering third-party liability, and asserting counterclaims where appropriate. Whether you're dealing with GSE indemnification demands, EPD disputes, title breakdowns, or fraud-related losses, we move quickly and strategically to minimize exposure and recover losses where possible.
Our Services Include:
✔ Repurchase, Make-Whole & Indemnification Defense – Representing lenders in high-value disputes with GSEs, investors, aggregators, and warehouse lenders.
✔ Title, Fraud & Early Payment Default Claims – Defending and prosecuting disputes tied to wire fraud, EPDs, and title-related defects.
✔ Subservicer Negligence & CPL-Linked Claims – Addressing servicing breakdowns, escrow errors, and closing protection letter exposures.
✔ Third-Party Litigation & Cross-Claims – Pursuing recovery from appraisers, title companies, former employees, and other liable parties.
With so much on the line, you need legal counsel that’s been here before—and won’t need a learning curve. BRODY | GAPP LLP brings unmatched experience and clarity to every repurchase defense.
Employment Law
Proactive Counsel. Strategic Defense.
At BRODY | GAPP LLP, we help mortgage lenders, brokers, and financial institutions manage their workforce risk with precision and confidence. Our employment law practice is built for companies that operate in high-compliance environments—where claims can arise quickly and carry regulatory and reputational consequences.
We defend employers in litigation, administrative proceedings, and audits, while also helping clients design employment systems that prevent exposure before it starts. Whether you're navigating PAGA risk, facing a retaliation claim, or updating your policies for multi-state teams, we deliver counsel that balances protection with practicality.
Our Services Include:
✔ Wage & Hour Compliance & Defense – Address classification issues, off-the-clock exposure, and defend against PAGA and DOL claims.
✔ Harassment, Discrimination & Retaliation Defense – Defend your organization with sensitivity and strategy in high-stakes employment matters.
✔ Agreements, Policies & Investigations – Draft offer letters, handbooks, and employment contracts; conduct compliant internal investigations.
✔ Workforce Risk Management – Provide ongoing legal oversight for hiring, discipline, and termination decisions to reduce litigation risk.
In today’s employment landscape, smart legal guidance isn’t optional—
it’s operational infrastructure. We help clients build it right and defend
itwhen challenged.
Poaching & Pipeline Theft
Protecting Your Team. Preserving Your Pipeline.
At BRODY | GAPP LLP, we help mortgage lenders and financial institutions prosecute and defend high-stakes poaching, solicitation, and pipeline theft cases. Whether a competitor has unlawfully raided your team—or you’re being accused of recruiting improperly—we bring the legal firepower and industry insight to protect your interests from all angles.
These matters often involve departing loan officers, branch managers, or groups taking rate sheets, customer data, pipeline reports, and other confidential assets, violating non-solicitation clauses, trade secret laws, and fiduciary duties. Our attorneys act fast to pursue or defend against injunctive relief, enforce or invalidate restrictive covenants, and secure favorable resolutions in complex litigation.
We also work proactively with clients to tighten internal policies and onboarding practices, ensuring that hiring and recruitment efforts are compliant, strategic, and shielded from liability.
Our Services Include:
✔ Prosecution & Defense of Poaching Claims – Representing clients on both sides of poaching, solicitation, and trade secret litigation.
✔ Emergency Injunctions & TROs – Fast-track court orders to protect pipelines, clients, and company data.
✔ Non-Compete & Non-Solicitation Enforcement – Enforce or defend restrictive covenants with precision, in alignment with shifting state laws.
✔ Pipeline Theft & Trade Secret Litigation – Investigate and litigate claims involving misappropriation of confidential loan or pricing data.
✔ Policy & Process Optimization – Help clients design and implement defensible onboarding, recruiting, and offboarding protocols to reduce exposure and deter litigation.
When your salesforce is targeted—or your growth strategy is under scrutiny—BRODY | GAPP LLP is your first call.
Data Security & Cyber/Fraud Risk
Legal Guidance for the Threats You Can’t See Coming.
At BRODY | GAPP LLP, we help mortgage lenders, brokers, and servicers navigate the growing risks of wire fraud, data breaches, and cybersecurity failures with legal precision and operational insight. As financial institutions face escalating regulatory scrutiny and real-time threats, we provide proactive support, crisis response, and regulatory defense built for high-risk environments.
Whether you’re facing a fraud incident, preparing for a regulatory audit, or building a defensible compliance program, we act quickly and strategically to protect your operations, client data, and institutional credibility.
Our Services Include:
✔ Wire Fraud & Cyber Incident Response – Immediate legal guidance following attempted or actual fraud events, including communication strategies, loss recovery, and insurer engagement.
✔ BSA/AML & Fraud Compliance Programs – Design and audit anti-fraud and anti-money laundering frameworks aligned with FFIEC and FinCEN guidance.
✔ Privacy & Data Governance – Assist with implementation of GLBA, CCPA, and other data privacy obligations affecting mortgage and financial firms.
✔ Regulatory Investigation & Defense – Represent clients in state and federal investigations following cybersecurity events or suspicious activity reports (SARs).
✔ Employee & Vendor Risk Controls – Advise on vendor contracts, internal controls, employee access, and policy frameworks to mitigate insider and third-party exposure.
Fraud and cyber threats don’t wait for you to catch up.
BRODY | GAPP LLP helps you prevent, respond, and defend—
before the cost becomes reputational or existential.
Trade Secrets & Competitive Intelligence
Our attorneys help clients manage complex regulatory frameworks
with confidence.
We offer support in interpreting and applying federal laws like TILA, RESPA, and BSA/AML, and we guide state licensing, GSE readiness, and audit defense. We design policies, procedures, training, and document review systems that align with both compliance and business operations.
Our Services Include:
✔ Trade Secret Identification & Documentation – Classify and define what qualifies as a protected asset under applicable law.
✔ Confidentiality & Exit Protocols – Create enforceable NDAs, implement smart offboarding procedures, and lock down data access.
✔ Misappropriation & IP Litigation – Pursue civil remedies, injunctive relief, and damages in cases of competitive theft.
✔ Ongoing Risk Audits – Assess gaps in your internal controls and policies to avoid accidental exposure or employee misuse.
In a data-driven industry, your intellectual capital is your most
valuable currency. We’ll help you keep it that way.
General Counsel Services
Scalable Legal Infrastructure. On-Demand Strategic Counsel.
At BRODY | GAPP LLP, we serve as outsourced general counsel to independent mortgage banks, credit unions, brokers, and fintechs nationwide. For institutions without in-house legal departments—or those seeking targeted legal leadership—we offer the strategic support, compliance insight, and operational guidance needed to grow confidently and stay protected.
From contract negotiation to regulatory interpretation, we act as an extension of your executive team—proactively identifying risks, closing legal gaps, and helping you navigate complex decisions with clarity and speed.
Our Services Include:
✔ Gap Audits & Legal Risk Mapping – Identify compliance vulnerabilities, operational friction points, and regulatory exposure.
✔ Training & Education – Deliver tailored training on compliance, employment, fair lending, LO comp, and regulatory hot topics.
✔ Contract Drafting & Negotiation – Draft, review, and negotiate contracts with vendors, counterparties, originators, and investors.
✔ Policy Development & Legal Oversight – Develop defensible policies and provide day-to-day legal insight aligned with business goals.
✔ Executive Strategy & Advisory – Support for M&A, licensing strategy, leadership changes, audits, and risk response.
Our general counsel services give you the strategic advantage of an
in-house legal team—without the full-time overhead.
Mergers & Acquisitions
Strategic Counsel for Growth, Exit, and Consolidation.
At BRODY | GAPP LLP, we represent mortgage lenders, fintechs, and financial services firms in complex M&A transactions across the country. Whether you’re acquiring a branch, merging platforms, or preparing for an exit, our team delivers legal precision and strategic foresight from term sheet to post-closing integration.
We understand the nuances of buying, selling, and scaling regulated businesses—where timing, licensing, compensation structures, and operational alignment can determine long-term success. We work closely with executive teams, compliance leads, and deal advisors to ensure each transaction is not only papered correctly, but executed intelligently.
Our Services Include:
✔ Buy-Side & Sell-Side Representation – Drafting and negotiating asset purchase agreements (APAs), stock sales, mergers, and joint ventures.
✔ Due Diligence & Licensing Review – Compliance, litigation, and regulatory diligence including licensing transfers, LO comp models, and repurchase exposure.
✔ Risk Allocation & Indemnification Strategy – Tailoring reps, warranties, and indemnity provisions for investor, litigation, and legacy liability protection.
✔ Employee Transitions & Restrictive Covenant Planning – Ensuring seamless onboarding, compensation alignment, and enforceable protections post-transaction.
✔ Integration & Restructuring Counsel – Advising on post-deal integration, platform consolidation, and regulatory notifications or re-approvals.
We don’t just close deals—we help clients grow wisely, exit smoothly, and protect enterprise value every step of the way.