Ms. Durant represents financial companies, including banks and credit unions, regarding operational, lending, and other regulatory issues.  She regularly counsels clients regarding bank regulatory and consumer finance issues.  She has represented companies and institutions in matters before licensing and other regulatory agencies.  She has assisted clients with the development of new products and the implementation of new technologies.  She has assisted with due diligence activities for companies considering the purchase of or investment in consumer finance companies.

Ms. Durant is a frequent speaker at events for financial institutions and has spoken at the Michigan Bankers Association's BEST Conference, Risk Management Institute, Retail Lending Conference, Operations and Technology Conference, Human Resources Conference, and Collection Practices Seminar.  She has presented seminars on issues related to directors’ liability and various regulatory and operational issues, including deposits, the Bank Secrecy Act, the Fair Credit Reporting Act, the Electronic Funds Transfer Act, the Equal Credit Opportunity Act, the Truth in Lending Act, RESPA, unfair and deceptive trade practices, and privacy issues.

Representative assignments include:

• Responded to complaints and criticisms from federal and state regulators on behalf of depository institutions
• Assisted non depository companies, such as automobile finance companies, with licensing and examination matters before state regulatory agency
• Assisted depository institution in implementing mobile banking
• Assisted depository institutions in implementing Regulation E opt in processes and prepared related documents
• Advised depository institutions regarding pre-paid and stored value cards and assisted in designing compliant card programs
• Prepared loan modification documents for depository institutions
• Prepared contracts for remote deposit capture, online banking, ACH services, mobile banking, and various deposit account types, including multi-million dollar brokered deposit programs
• Prepared consumer loan forms and disclosures
• Prepared employment agreements and independent contractor agreements for depository institutions

Ms. Durant has litigated consumer finance and other matters and is admitted to practice before the United States District Courts for the Eastern and Western Districts of Michigan.  She is a member of the State Bar of Michigan (Financial Institutions Committee).  She is a member of the MBA's Retail Lending Committee and Audit & Risk Management Committee.

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