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

undefinedMichelle A. Mierzwa

Partner, Compliance, Licensing and Regulatory Division

California & Washington
(949) 477-5050

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Michelle A. Mierzwa joined Wright, Finlay & Zak’s Compliance, Licensing and Regulatory Division in 2015, providing loan originators, lenders, servicers, trustees and others in the mortgage industry with state and federal compliance and regulatory counsel. Since 1998, her accomplishments include the management and resolution of litigated matters through jury and bench trials and appellate practice, creating the legal department for one of the largest non-judicial foreclosure trustees in the Western United States, the coordination of compliance audits, and managing the California branch of a national law firm. Ms. Mierzwa has worked with lenders and mortgage servicers of all sizes to ensure their compliance with state and federal laws, including, but not limited to, California Consumer Privacy Act, California and Nevada Homeowner Bill of Rights, state and federal FDCPA, RESPA, TILA, SCRA, Washington Foreclosure Fairness Act, Nevada, Oregon and Washington Foreclosure Mediation Programs, Dodd-Frank Act and CFPB Rules, state licensing laws, and governmental and regulatory agency investigations.

Ms. Mierzwa is serving her third three-year term on the Board of Directors of the United Trustees Association (UTA). She is the Chair of the UTA Legislative Committee and a member of the Legislative Committee for California Mortgage Bankers Association. She has monitored, proposed and analyzed new legislation affecting the industry, has participated on speaking panels for national lending industry conferences, and has provided education and clarification to the industry regarding the Dodd-Frank Act and the Servicing Rules of the Consumer Financial Protection Bureau. Prior to her in-house and management experience, Ms. Mierzwa was a litigation and appellate attorney at a default services firm for ten years and worked in loan originations for three years. Ms. Mierzwa is licensed to practice in California and Washington.


  • University of California, Santa Barbara (B.A., Communications; B.A., Spanish Literature, 1991)
  • California Western School of Law (J.D., top 11%, 1998)

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