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Bradley Arant Boult Cummings, LLP

Lesley Smith DeRamus

Lesley Smith DeRamus

Counsel

Bradley Arant Boult Cummings, LLP
Alabama, U.S.A.

tel: 205.521.8642
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Profile

Lesley DeRamus helps financial institutions navigate and manage compliance with federal and state consumer protection regulations applicable to their business. Lesley has 30 years of experience working on regulatory issues with financial services clients such as federal and state banks, finance companies, mortgage servicers, title companies and real estate brokers. She frequently helps clients with regulatory questions affecting their products or services. Lesley regularly works on matters involving the provision of open- and closed-end credit products and related disclosures, including home mortgage loans, HELOCs, credit cards, personal lines, and automobile loans. She also helps banks with federal and state law questions regarding deposit accounts and ancillary product sales, such as bank insurance sales issues. She regularly assists clients with privacy issues affecting their products and services, particularly those involving the analysis of privacy and data protection issues in third-party contracts. Additionally, she provides assistance with policies and procedures, consumer notices, and state law requirements related to the privacy and security of consumer information.

Lesley advises clients on the application of financial institution regulatory requirements in connection with the development or update of policies and procedures, product development and implementation, regulatory examinations, complaint responses, advertising, and error correction. In connection with the implementation of new products and services, she regularly counsels clients on regulatory requirements involved in vendor contract review, systems and operations, regulatory disclosures and other requirements, advertising review, policies and procedures and any other issues related to such implementation. She addresses questions related to a variety of products and services, such as all types of loan products, including consumer mortgage loans and other secured and unsecured loans, as well as issues related to electronic banking, calling and text messaging regarding accounts, credit and debit cards, and many others.

Lesley’s  practice includes advising clients in connection with a variety of laws and regulations, such as the Truth in Lending Act (TILA), Real Estate Settlement Procedures Act (RESPA), Fair Credit Reporting Act (FCRA), Fair Debt Collection Practices Act (FDCPA), Equal Credit Opportunity Act (ECOA), Fair Lending and Servicing, Telephone Consumer Protection Act (TCPA), Unfair, Deceptive or Abusive Acts or Practices (UDAAP), Electronic Funds Transfer Act (EFTA), Truth in Savings Act (TISA), Servicemembers Civil Relief Act (SCRA), Military Lending Act (MLA), Gramm Leach Bliley Act (GLBA), Regulation P (Privacy), and Regulation M (Consumer Leasing), as well as state consumer protection laws. In addition, she has significant experience with regulatory complaints, consumer disputes, and defense of enforcement actions.

Bar Admissions

  • Alabama, 1989

Education

  • University of Alabama School of Law, J.D., 1989, Senior Editor, Law and Psychology Review
  • University of Alabama, B.A., 1986
Areas of Practice
Blogs

Declassified
Bradley Arant Boult Cummings, LLP 

The Declassified blog offers commentary and insights on the latest class action suits, significant class action opinions, relevant changes to laws and rules, and important class action trends. Declassified covers topics ranging from significant Supreme Court and appellate court decisions regarding...

It Pays to Be Covered™
Bradley Arant Boult Cummings, LLP 

Bradley’s It Pays to Be Covered™ Blog discusses insurance law developments and industry trends in property and casualty insurance, including the growing cyber insurance market, coverage for drones, and blockchain exposures. We also address practical risk management strategies of interest to risk...

Patent 213
Bradley Arant Boult Cummings, LLP 

Patent law, like most things in life, is subject to change. Changes to patent laws not only impact investment in your existing IP, but directly shape strategies to protect your freedom to operate. The Patent 213 blog provides up-to-date, insightful analysis of the evolution in the written...

Tennessee Appellate Review
Bradley Arant Boult Cummings, LLP 

A successful appeal depends on counsel’s substantive understanding of appellate rules, procedures, and strategies. The Tennessee Appellate Review blog is a resource for commentary and insights on the latest state and federal appellate news. Join the conversation as we analyze decisions from the...

The Law of Order
Bradley Arant Boult Cummings, LLP 

Bradley’s The Law of Order blog serves as a general parliamentary procedure resource, providing information about creation and revision of governing documents (constitutions, bylaws, or rules), application of Robert’s Rules of Order and other procedural authorities in a variety of contexts (such as...

Underwritten
Bradley Arant Boult Cummings, LLP 

Underwritten covers topics related to life, health, disability and long-term care insurance. Our team of experienced attorneys and authors offers insight on the issues insurers face as they seek to serve their policyholders and to mitigate risk. The blog covers significant court decisions,...

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