OUR PEOPLE
Our People
Our People

Audrey D. Wisotsky

Audrey D. Wisotsky is a partner with Pepper Hamilton LLP, resident in the Princeton office.

Ms. Wisotsky concentrates her practice on regulatory issues and transactions related to mortgage banking, consumer finance and the secondary mortgage market. Her representation of financial services clients includes regulatory, compliance and licensing issues; secondary mortgage market transactions, including the sale and purchase of mortgage loan portfolios, servicing agreements and various aspects of the securitization of mortgage loans; master servicing and sub-servicing agreements; and loan documentation, including state and federal disclosures.

Ms. Wisotsky also is experienced in representing community associations on matters of association governance, and developers of condominiums and planned unit developments in forming and obtaining regulatory approval for community association structures.

Representative engagements in the mortgage banking area include:

  • preparing the program documents for a nationwide mortgage lender’s correspondent purchase program
  • representing a nationwide mortgage lender in its bulk mortgage loan sales in the secondary market
  • licensing a mortgage lender nationwide
  • representing a mortgage lender with respect to its agreement with a master servicer
  • preparing a multi-state survey of state laws and regulations affecting mortgage lending activities
  • representing various banks and financial service companies with respect to the bulk purchase of mortgage loans
  • representing a lender with respect to its reconstituted servicing agreements and related issues in connection with the securitization of mortgage loans.
Ms. Wisotsky’s publications include:
  • “Essentials for Creating a Strong Compliance Culture,” Thomson Reuters Accelus (April 12, 2012)
  • “Residential Mortgage Brokers and Originators: Is Your AML Program in Place?” Pepper Hamilton LLP Financial Services Alert (February 8, 2012)
  • “Homeowners Association Amendment to Master Declaration Forbidding Leasing Held to be Reasonable and Enforceable,” Pepper Hamilton LLP Real Estate Update (October 13, 2011)
  • “FDIC Loan Sales - What’s Old Is New Again,” Bloomberg Law Reports - Banking & Finance (July 2011)
  • “Regulators Seek Comments on Proposal Requiring Securitizers of Asset-Backed Securities to Retain Some Risk of Securitized Assets,” Pepper Hamilton LLP Financial Services Alert (March 31, 2011)
  • “Sweeping Federal Financial Reform Legislation Overhauls the U.S. Financial System,” New Jersey Lawyer Magazine (October 2010)
  • “Comprehensive Financial Reform Legislation Becomes Law,” Pepper Hamilton LLP Financial Services Alert (July 23, 2010)
  • “Senate Passes Financial Services Reform Bill,” Pepper Hamilton LLP Financial Services Alert (May 26, 2010)
  • “HUD Delays New ‘Required Use’ Definition Under RESPA Again,” Pepper Hamilton LLP Financial Services Alert (March 24, 2009)
  • “Omnibus Appropriations Bill Contains TILA and FTC Rulemaking Surprises,” Pepper Hamilton LLP Financial Services Alert (March 24, 2009)
  • “HUD’s New Final RESPA Rule Clarifies Mortgage Loans for Consumers, Calls for Enhanced Disclosures and Estimates by Lenders, and Is Already Facing Industry Opposition,” Pepper Hamilton LLP Financial Services Alert (January 12, 2009)
  • “Non-Traditional Mortgage Products: Does Your Financial Institution’s Policy Pass Muster?” (co-author), chapter in Mortgage Developments 2007: Answers to Your Top Questions, published by Sheshunoff Information Services.
Ms. Wisotsky was selected for inclusion on the 2012 New Jersey Super Lawyers list.

Ms. Wisotsky is a member of the American, New Jersey State, Mercer County and Princeton Bar Associations, as well as the Mortgage Bankers Association and the Mortgage Bankers Association of New Jersey. In addition, she is a board member of the New Jersey Bar Association’s Banking Law Section. She is a member and former chair of the Legislative Action Committee of the Community Associations Institute, New Jersey Chapter (CAI-NJ). She also is involved with numerous nonprofit organizations in the Princeton Community.

Before joining Pepper, Ms. Wisotsky was a shareholder with Jamieson, Moore, Peskin & Spicer, P.C.



Education
B.A. 1984 Rutgers University
J.D. 1987, with honors, Rutgers University School of Law


Bar Admissions
Admitted to practice in New Jersey and Pennsylvania

Audrey D. Wisotsky
Partner
Phone: 609.951.4133
Fax: 609.452.1147
wisotskya@pepperlaw.com
Download VCard

Office(s)
Princeton

Practice Area(s)
Commercial Financial Services
Consumer Financial Services

Crowdfunding and Peer-to-Peer Lending
Financial Services

Mortgage Banking
Securitizations and Structured Finance


Articles


CFPB Issues Final Mortgage Servicing Rules

CFPB Issues Final Ability to Repay Rule and ‘Qualified Mortgage’ Standard


Residential Mortgage Brokers and Originators: You Have Until Aug. 13 to Set Up Your AML Program

Diversity Matters - Vol. 2012, Issue 2


Creating a Strong Compliance Culture at Your Firm

Residential Mortgage Brokers and Originators: Is Your AML Program in Place?


Homeowners Association Amendment to Master Declaration Forbidding Leasing Held to be Reasonable and Enforceable

FDIC Loan Sales - What’s Old Is New Again


Regulators Seek Comments on Proposal Requiring Securitizers of Asset-Backed Securities to Retain Some Risk of Securitized Assets

Sweeping Federal Financial Reform Legislation Overhauls the U.S. Financial System


Comprehensive Financial Reform Legislation Becomes Law

Senate Passes Financial Services Reform Bill


HUD Delays New 'Required Use' Definition Under RESPA Again

Omnibus Appropriations Bill Contains TILA and FTC Rulemaking Surprises


HUD’s New Final RESPA Rule Clarifies Mortgage Loans for Consumers, Calls for Enhanced Disclosures and Estimates by Lenders, and Is Already Facing Industry Opposition

State of the Mortgage Markets in 2008


Bulletin on New Jersey Predatory Lending Law Could Spell Trouble for Mortgage Market


Articles


Anti-Money Laundering Requirements for Residential Mortgage Originators and Brokers: What You Need to Know Now

What the Financial Reform Legislation Means for You


A Closer Look at the Dodd-Frank Act - Mortgage and Anti-Predatory Lending Reform

A New World for Mortgage Banking – What You Need to Know About the CFPB’s Final Mortgage Servicing Rules


A New World for Mortgage Banking - What You Need to Know About the CFPB's Final Qualified Mortgage Rule

Treasury and FDIC's PPIP Legacy Asset Program: Are You Ready?


The Consumer Financial Protection Agency Act: What Does It Mean to You?


Copyright © 2014 Pepper Hamilton LLP | Use of This Site Subject to These Terms & Conditions | PRIVACY POLICY | Contact Us: phinfo@pepperlaw.com or 866.737.7372 | Find Pepper Hamilton LLP on Facebook | Pepper Hamilton LLP on LinkedIn | Follow Pepper Hamilton LLP on Twitter | Pepper Hamilton LLP YouTube Channel | View Pepper Hamilton LLP's documents on JD Supra