Kelley Joiner Hails focuses her practice on representing banks and other lenders in regulatory compliance and transactional matters. As part of her regulatory compliance practice, Kelley assists clients in the financial services and mortgage industries as they implement and comply with various obligations imposed on them by federal and state banking regulators, including the Real Estate Settlement Procedures Act (RESPA), the Truth in Lending Act (TILA), and new TILA-RESPA Integrated Disclosure requirements. She regularly advises clients on the application of such laws in connection with day-to-day operations, maintenance of policies and procedures, mock regulatory examination reviews, risk assessments, regulatory examinations, and error correction. Kelley also has experience in a variety of commercial lending transactions.
Kelley is fluent in Spanish and has represented clients involved in projects in European and Latin American markets.
While attending the University of Alabama School of Law, Kelley served as editor-in-chief for the Alabama Civil Rights & Civil Liberties Law Review. Prior to law school, she received her Bachelor of Science from the University of Alabama with a double major in International Finance and Spanish.