Your Legal Partner for Business,
Real Estate and Mortgage Banking
for the Western United States

  • Consumer Finance Services
  • Business Services
  • Probate, Wills and Trusts

Regulatory Compliance Division

Wright, Finlay & Zak ("WFZ") provides our mortgage servicing and origination clients with all aspects of regulatory compliance. While originally a small part of our practice, compliance has become an increasingly important practice area as our clients struggle to keep up with all the new State and Federal laws. WFZ’s attorneys have assisted clients on compliance with the Consumer Financial Protection Bureau (CFPB) Rules, National Mortgage Settlement and various Federal Statutes, including FDCPA, TILA, RESPA, TCPA and FCRA. In addition, we designed compliance programs for California and Nevada’s Homeowner Bill of Rights (HOBR) and continue to assist our clients to ensure their ongoing compliance with HOBR. Whether our clients need advice on individual issues, a full compliance action plan or a review of an existing compliance program, WFZ is there to help.

WFZ’s Regulatory Compliance Division is unique in that we are actively involved in the state lobbying process before many proposed Bills even pass the Legislature. Through participation in the California Mortgage Bankers Association’s (CMBA) Legislative Committee, as the former President of the United Trustees Association (UTA) and its current Chair of the Legislative Committee, Partner Robert Finlay has direct access to lobbyists in California, Nevada, Washington and Oregon. Compliance Partner Michelle Mierzwa has been a member of the UTA and CMBA Legislative Committees since 2009 and 2010, respectively, personally meeting with Legislators at the capitols in California, Nevada and Washington. The firm is also an active member of the national Mortgage Bankers Association and the American Legal & Financial Network. Through these lobbyists, industry organizations and direct lobbying efforts, WFZ is able to track pending laws, oppose unwanted laws and revise bills that are likely to pass. WFZ’s involvement with proposed laws at the drafting stage help our clients track potential new legislation and get a head start on implementing new procedures to ensure compliance when the new laws go into effect.

If you have any questions regarding our Regulatory Compliance Division or if you would like to be added to our Legislative Tracking distribution list, please contact Michelle Mierzwa, Partner – Compliance Division.

Main Office

4665 MacArthur Court,
Suite 200
Newport Beach, CA 92660
Phone: (949) 477-5050
Fax: (949) 608-9142

Nevada Office

7785 W. Sahara Ave.,
Suite 200
Las Vegas, NV 89117
Phone: (702) 475-7964
Fax: (702) 946-1345

Arizona Office

16427 N. Scottsdale Road,
Suite 300
Scottsdale, AZ 85254
Phone: (949) 477-5050
Fax: (949) 608-9142

Washington Office

3600 15th Avenue West
Suite 200
Seattle, WA 98119
Phone: (949) 477-5050
Fax: (949) 608-9142

Utah Office

2975 W. Executive Parkway
Suite 125 / Mailbox 155
Lehi, UT 84043
Phone: (801) 893-4901
Fax: (702) 946-1345

Oregon Office

121 SW Morrison St.
Suite 1875
Portland, OR 97204
Phone: (503) 479-8871
Fax: (949) 608-9142

Languages Spoken:

Spanish, Mandarin, French, Japanese, German, Armenian & Polish

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