George Morrison
Associate General Counsel and Director @Bank of America
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WORK HISTORY
Associate General Counsel and Director @Bank of America
Charlotte, NC, US
Primary legal oversight for Bank of America\'s Consumer Vehicle Lending consumer automotive finance operations. This line of businesses includes an \"indirect\" platform that acquires Retail Installment Sales Contracts from automobile dealerships, a \"direct-to-consumer\" platform that sources consumer-purpose automobile loans through the Bank of America website, Contact Centers, and Financial Centers, and consumer third-party financing and leasing platforms. Areas of legal expertise include: federal consumer lending laws applicable to automotive financing (e.g, Military Lending Act, ESIGN, USA PATRIOT Act, Fair Credit Reporting Act, etc.) and regulations (e.g, B, M, V, and Z); state laws (e.g, UDAAP, notice to co-signors, GAP waiver/insurance, etc.); and consumer collections laws (e.g, right-to-cure, replevins, bankruptcy, etc.).Areas of regulatory compliance expertise include pronouncements and regulations promulgated by the Office of the Comptroller of the Currency and the Consumer Financial Protection Bureau as well as support of regulatory examinations, inquiries, etc.Prior to May 1, 2013, primary legal oversight for GWIM Mortgage Solutions and U.S. Trust Custom residential mortgage platforms including Merrill Lynch Home Loans. Areas of legal expertise include: real estate mortgage financing; consumer advertising; mortgage servicing; securities-based lending; residential mortgage loan sales and securitizations; real estate sales and brokering; federal and state consumer lending laws (e.g, TILA, RESPA, ECOA, etc.); state licensing laws which govern mortgage lenders and brokers including the SAFE Act; federal, state, and local taxes; foreclosures, work-outs, and bankruptcies; mergers, acquisitions, divestitures, and outsourcings; mortgage-related litigation including third-party process; and corporate governance/secretarial support.
EDUCATION
University of Florida
BS, Accounting
University of Florida
Juris Doctor, Law
SKILLS
ABOUT GEORGE MORRISON
My passion is to deploy my legal, compliance, accounting, and managerial skills to tackle novel and complex, issues, transactions, and projects. My unique experiences forged in private practice and as in-house counsel with Merrill Lynch and Bank of America have helped me develop the seasoned and tempered judgment to work collaboratively with others to address challenges as they present themselves. My rich and varied background has afforded me the opportunity to develop expertise in a number of fields including, but not limited to:(i) consumer financing including residential mortgages and automotive financing;(ii) commercial transactions including secured lending, real estate, restructurings, mergers and acquisitions, etc; and compliance including regulatory matters. I am fortunate to practice law at a time where new and sophisticated legal issues are commonplace. I look forward to continuing to grow personally and professionally as I navigate these challenges.
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