Bradley Arant Boult Cummings LLP

Christy Hancock’s practice is dedicated to financial services regulatory compliance and litigation. Her work with mortgage servicing and financial institution clients has given her a broad base of knowledge regarding laws affecting the mortgage servicing business, including bankruptcy and foreclosure best practices, payment application, correspondence requirements, allowable fees, loan modifications, escrow requirements, and property preservation. In recent years, the majority of her practice has focused on advising large financial institutions on bankruptcy-related regulatory matters and large-scale remediation projects.

In 2020, Christy emerged as a thought leader on the CARES Act and related state laws regarding mortgage forbearances, deferrals and other loss mitigation options, as well as foreclosure and eviction moratoriums. She hosts a weekly WebEx for Bradley’s financial services clients on COVID-19 mortgage servicing issues.

Christy provides daily guidance to clients on laws such as the CARES Act and related state laws, TILA, RESPA, FDCPA and the Dodd-Frank Act, as well as compliance with certain bankruptcy rules and mortgage servicing best practices. She has assisted her financial services clients with a variety of intricate matters, including developing responses to new legislation, conducting internal risk assessments, assisting with and responding to internal and external audits, training company personnel, and revising quality control processes, as well as drafting and updating a variety of mortgage servicing policies and procedures. Christy also routinely responds to the CFPB, the United States Trustee’s Office, various state attorneys general, and state banking department inquiries on behalf of her clients.

In addition to her broad compliance practice, Christy also represents financial institutions and mortgage companies in state and federal courts across the country. These suits range from individual consumer claims to class action and commercial disputes. She defends her clients in a variety of matters, including TILA, RESPA, RICO, FDCPA and FCRA disputes, predatory lending claims, mortgage-related fees and servicing issues, escrow account disputes, and UDAP claims. Christy has litigated numerous facets of the mortgage servicing industry, including loan origination, pooling and servicing agreements, title insurance, loan-repurchase disputes, REO-related disputes and mortgage fraud.

In addition to her normal practice, Christy also enjoys teaching and mentoring. She is a regular instructor for the MBA at the Schools of Mortgage Banking I and II, teaching Regulatory Compliance, Laws Affecting the Mortgagee’s Interest in Property, and Ethics in the Financial Services Industry and a yearly “Financial Services 101” seminar to incoming attorneys at Bradley.

Bar Admissions

• Arizona, 2011
• North Carolina, 2009
• Texas, 2009
• Tennessee, 2006
• Mississippi, 2004
• Florida, 2003
• Alabama, 2001

Education

• University of North Carolina School of Law, J.D., 2001, Publications Editor, University of North Carolina Banking Journal
• University of South Carolina, B.A., 1998, cum laude