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Bradley Arant Boult Cummings, LLP

Michelle Canter

Michelle Canter



  • Banking and Financial Services
  • Approval, Compliance and Enforcement Support for HUD, FHA and GNMA Matters
  • Auto Finance

WSG Practice Industries



Michelle Canter offers clients operational counsel in loan originations and servicing combined with more than 20 years of experience in compliance, regulatory enforcement, and litigation. Her particular experience in the default-servicing arena includes defending servicers during exams and enforcement actions by the CFPB, prudential regulators, and state regulators, as well as audits by HUD, Fannie Mae, Freddie Mac, and other investors. While defending clients in financial services litigation, Michelle provides in-depth, industry specific knowledge.

Michelle is particularly adept at quickly identifying and assessing gaps in compliance management programs, uncovering the root cause and developing targeted action plans designed to ensure compliance with federal law, state law, and investor guidelines. She is recognized for her rare ability to translate complex, nuanced issues while simultaneously mitigating litigation and regulatory risk. Michelle works with Master Servicers and Subservicers to understand the business-compliance balance necessary for their service provider oversight programs. She regularly defends clients in litigation involving fair housing and fair servicing claims, including complaints made to HUD, as well as employee actions alleging FLSA violations or employment discrimination claims made to the EEOC. Michelle assists clients with SAFE Act licensing and agency approvals. She is a seasoned veteran in the areas of mortgage fraud investigation and repurchase demand strategies. Solely for her financial services clients, she offers employment law advice to maintain compliance with the FLSA, MLO compensation, net branching restrictions, and the like.

Michelle serves as President for the Georgia Real Estate Fraud Prevention and Awareness Coalition (GREFPAC), steering committee member for MBA’s Litigation Subcommittee, and Vice-Chair of the Mortgage Action Alliance of the Mortgage Bankers Association.

*Not licensed to practice in Alabama. Admitted to practice in Georgia, Texas and Kansas.

Bar Admissions

  • Georgia
  • Kansas
  • Texas

Court Admissions
  • United States Supreme Court
  • United States District Court, Northern District of Georgia
  • United States District Court, Middle District of Georgia
  • United States District Court, Southern District of Georgia
  • United States District Court, District of Kansas
  • United States District Court, Western District of Missouri
  • United States District Court, Eastern District of Missouri


  • Washburn University School of Law, J.D., 1992
  • University of Kansas, B.S., 1989
Areas of Practice

Approval, Compliance and Enforcement Support for HUD, FHA and GNMA Matters | Auto Finance | Banking and Financial Services | Consumer Financial Protection Bureau (CFPB) | Credit Card Services | Examinations and CIDs | Financial Services Litigation | Financial Services Litigaton | Licensing and Examinations | Manufactured Housing | Payment Systems | Payments | Regulatory Compliance | Reverse Mortgages | State Attorneys General and Regulators | Student Loan Services | Vendor Management


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