Contact Information

Jeff Barringer focuses his practice on assisting financial services providers, including housing finance lenders, with compliance under state and federal regulatory frameworks. His work frequently involves advising clients as they enter new markets or develop new products and services. He works with clients as their business objectives evolve and provides guidance related to business growth, expanded product offerings, and geographic reach.

Jeff advises financial institutions, mortgage companies, sales finance companies, FinTech companies, and other providers of consumer financial services on compliance with applicable state and federal laws. His experience includes counseling clients on matters related to mortgage lending and servicing, manufactured housing finance, automobile finance, sales finance, secured and unsecured lending, commercial lending, real estate brokerage, and money services businesses.  Jeff also assists clients in connection with the sale of loans, including bulk sale, forward flow and loan participations, as well as ancillary transaction documentation.  

His work includes advising on licensing requirements, usury limitations, preemption issues, and other regulatory compliance matters, including responding to regulatory inquiries and examination findings. Jeff also assists clients with regulatory due diligence and licensing issues in connection with mergers, acquisitions, and asset purchases and sales involving financial services companies, and advises on compliance with the New York Department of Financial Services cybersecurity regulations obligations. 

Representative Experience

Any result the lawyer or law firm may have achieved on behalf of clients in other matters does not necessarily indicate similar results can be obtained for other clients.  

  • Assisted a national lender in launching a new-to-market tiny home and park model RV lending product, addressing the regulatory and licensing considerations applicable to personal property-secured lending.
  • Counsel state-licensed mortgage bankers as they expand product offerings to include manufactured housing–only loans nationwide, including guidance on conduct requirements, usury and fee limitations, disclosures, and promissory note and security agreement terms.
  • Advise lenders and other financial services providers on licensing and regulatory compliance requirements as they expand into new states and introduce new products.
  • Assist manufactured housing lenders with expanding lending footprints and implementing new lending programs.
  • Assist manufactured housing lenders in connection with loan sale and servicing agreements, as well as ancillary transaction documents.  
  • Provide regulatory compliance advice and assist with regulatory approvals in transactions involving state-licensed mortgage lenders and other financial services companies.
  • Perform regulatory due diligence in connection with loan portfolio purchases.
  • Support a national mortgage lender on a consumer credit compliance initiative involving the development of retail installment contracts, promissory notes, security agreements, and residential real estate lending forms, and ongoing monitoring of laws applicable to multiple lending products across numerous states.
  • Represent banks on lending matters, including rate exportation, licensing, and qualification issues.
  • Prepare multistate research regarding rates and fees, disclosures, and substantive conduct requirements affecting real property and personal property financing.
  • Advise clients on how their products and services fit within federal and state money services business regulatory frameworks. 

Professional & Civic Engagement

  • American Bar Association, Consumer Financial Services Committee
  • Manufactured Housing Institute, Finance Lawyers Committee, Vice Chair; Financial Services Division, Board of Governors
  • New York Mortgage Bankers Association, Co-Chair Legislative Committee; Member, Servicing Committee; Board of Directors, 2016–2018 

Honors & Awards

  • Recognized in Chambers USA for Financial Services Regulation: Consumer Finance – Compliance (USA – Nationwide), 2023-Present
  • Recognized in Chambers FinTech for FinTech Legal: Payments & Lending (USA – Nationwide), 2026-Present
  • Recognized in Legal 500 New York Elite for Banking and Finance including Restructuring, 2026-Present

Thought Leadership

Presentations

  • "Consumer Finance Government Affairs Panel," 24th Annual Consumer Finance Legal Conference, October 2025
  • "2025 MBA Compliance and Risk Management Conference," 2025 Mortgage Bankers Association (MBA) Compliance and Risk Management Conference, September 2025
  • "NYMBA 2025 Legislative Bills Update," New York Mortgage Bankers Association (NYMBA) 2025 Annual Convention, September 2025
  • "Effective Advocacy in Your Home District," New York Mortgage Bankers Association, October 2024
  • "Legislative Lobbying 101 & Ask the Experts," New York Mortgage Bankers Association (NYMBA) 10th Anniversary Convention, September 2024
  • "Taxes, Titles, and Financing: Consumer Options for Manufactured Housing," Manufactured Housing Institute (MHI) Congress and Expo, April 2024
  • "Key Updates: State Law and Enforcement Trends," Mortgage Bankers Association (MBA) Legal Issues and Regulatory Compliance Conference, May 2023
  • "Regulatory Compliance Concerns in the Current Era," Manufactured Housing Institute (MHI) 2023 Congress & Expo, April 2023
  • "Opportunities and Challenges of Serving LEP Consumers," Mortgage Bankers Association (MBA) Legal Issues and Regulatory Compliance Conference, May 2022
  • "Financing Programs in Today’s Regulatory Environment," 2022 Manufactured Housing Institute (MHI) Congress & Expo, April 2022
  • "State Law Regulatory and Enforcement Trends," MBA’s Regulatory Compliance Conference, September 2021
  • "New York Legislative Session Wrap Up," Mortgage Bankers Association (MBA) State Legislative & Regulatory Committee (SLRC) Meeting, June 2021
  • "State Focus: Developments in California and New York," MBA Live: Regulatory Compliance Conference, November 2020
  • "Economic Trends: What Have They Done to Your Business and How Will This Continue to Affect You?" 2020 Virtual Consumer Finance Legal Conference, October 2020
  • "State Legislatures and Regulators Addressing COVID-19," 2020 Virtual Consumer Finance Legal Conference, October 2020
  • "Beyond Legal Practice: Careers in Financial Regulatory Compliance," Albany Law School, October 2019
  • "Temporary Authority to Act as an MLO," Consumer Finance Legal Conference, October 2019
  • "Nonqualified Mortgages," Consumer Finance Legal Conference, October 2019
  • "Landmines of Customer Insurance Programs," 2019 Consumer Finance Legal Conference, October 15, 2019
  • "Dodd-Frank and SAFE Act Compliance," MMHA Spring Education Conference, June 2019
  • "Oh Yeah, The Sale Includes Some Loans," Manufactured Housing Institute Congress and Expo, May 2019
  • "Due Diligence Considerations in M&A: Asset Quality, Operational Compliance, and Regulatory Approval," Consumer Finance Legal Conference, October 2018
  • "Impact of the Economic Growth, Regulatory Relief, and Consumer Protection Act on Real Estate Finance," Consumer Finance Legal Conference, October 2018  
  • "Recent Developments in Manufactured Housing Finance," Consumer Finance Legal Conference, October 2018
  • "Regulatory Compliance in the Residential Lending Cycle," MBA Regulatory Compliance Conference, September 2018
  • "Third-Party Data Aggregators, Business Process Outsourcing: Vendor Management, Privacy, and Related Concerns," Annual Consumer Finance Legal Conference, October 2017
  • "Manufactured Housing: Fannie Mae and Freddie Mac Duty to Serve Underserved Market Plans and Evaluation Guidance," Annual Consumer Finance Legal Conference, October 2017
  • "Enterprise Duty to Serve," Northeast Super Symposium VI for Manufactured Home Land-Leased Community Owners and Retailers, April 2017
  • "CFPB Audits: Being Prepared and Staying Compliant to Save Time and Money," Lorman Banking Live Webinar, February 2017
  • "Expanded Use of Investigations in NY & NY S 8159 – Enacted Foreclosure/Servicing Bill," Annual Consumer Finance Legal Conference, September 2016
  • "What’s New with HMDA/RESPA Section 8," Annual Consumer Finance Legal Conference, September 2016
  • "Manufactured Housing: Fannie/Freddie Mac Loan Products; Finance Issues (CFPB, FHFA)," Annual Consumer Finance Legal Conference, September 2016
  • "Contested Foreclosure and other Mortgage Litigation Issues," Annual Consumer Finance Legal Conference, October 2011
  • "What’s Next for Consumer Arbitration," Annual Consumer Finance Legal Conference, 2009 

Publications

  • Co-author, "4 True Lender State Laws And 1 Appeal For Fintechs To Watch," Law360, April 23, 2026
  • "FRB Proposes LIBOR Regulation," ABA Business Law Today, August 2022
  • "Do You Need to Know Your Customer?" Auto Finance News, June 2021
  • "New Year Continues Challenging Regulatory Environment," MH Insider, January/February 2021
  • "How Manufactured Housing Finance Borrowers Find Lenders," Alabama Bankers Association, Board Briefs, March/April 2018
  • "Transactions Involving Real Estate and Dwellings," ABA’s Supplement to The Law of Truth in Lending, 2018
  • "Closed Bank Credit," ABA’s Supplement to The Law of Truth in Lending, 2018
  • "Court Holds a California Finance Lender May Sell Loans to Purchasers That are Neither Licensed Finance Lenders Nor Institutional Investors," Consumer Finance Law Quarterly Report, Vol. 70, Nos. 1 & 2, 2016, July 24, 2015
  • "Developments in Personal Property Finance: GAP Waivers – Is a Trend Toward Clarity Beginning?" The Business Lawyer, February 2009 

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