Heather Cain Hutchings


Heather Hutchings focuses her practice on consumer financial services laws and regulations affecting banks and other financial institutions, non-chartered mortgage lenders and servicers, consumer finance companies, and mortgage brokers. She also counsels financial services companies regarding CFPB preparedness, implementation and operational strategies for complying with the CFPB's regulations, including the Loan Originator Compensation Rule, the Ability to Repay/Qualified Mortgage Rule, and the Know Before You Owe Disclosure Rule.

Heather assists clients with complex compliance and administrative matters concerning a variety of laws such as the Dodd-Frank Act, Fair Credit Reporting Act (FCRA), Truth in Lending Act (TILA), Home Ownership and Equity Protection Act (HOEPA), Gramm-Leach-Bliley Act, Real Estate Settlement Procedures Act (RESPA), and Home Mortgage Disclosure Act (HMDA). She also advises clients on a wide range of state consumer credit laws, including predatory lending, privacy, disclosures, usury, fees and licensing.

Heather is the co-author of the “Truth in Lending Act” and “Preemption” chapters of the Consumer Financial Services Answer Book, as well as the “Telemarketing Sales” and “Truth in Lending Act” chapters of Mortgage Finance Regulation Answer Book 2011-2012, both from the Practising Law Institute. She is also the co-author of the “Mortgage Servicing Developments” survey appearing in the Spring edition (2013-2015) of The Business Lawyer, a publication of the American Bar Association.

An active member of the Consumer Financial Services Committee of the American Bar Association and the Women in Housing and Finance, Heather has presented at a number of industry conferences on a diverse range of regulatory topics.