Ms. Smith concentrates her practice on federal and state regulatory compliance matters affecting mortgage banking clients in the primary and secondary mortgage markets. Her practice includes advising clients on compliance with federal and state laws governing the licensing and practices of financial institutions, including mortgage lenders, consumer finance companies, loan servicers, and loan originators. Ms. Smith has also assisted investor and loan servicer clients in developing loan modification programs and related policies to address compliance with the Home Affordable Modification Program. Ms. Smith has also assisted in drafting agreements concerning servicing rights purchase and sale agreements and servicing and sub-servicing agreements.