Valerie L. Hletko is a Partner in the Washington, DC office of BuckleySandler LLP. Ms. Hletko represents financial institutions in examinations, investigations, and administrative enforcement actions initiated by the United States Department of Justice, the Federal Deposit Insurance Corporation, the Federal Reserve Board, and state bank regulatory agencies and state attorneys general. Her enforcement practice is focused on fair lending, financial products trade practices, mortgage fraud, and mortgage loan servicing. Ms. Hletko has represented financial institutions in private class action litigation alleging violations of federal and state fair lending laws, mortgage fraud, and unfair and deceptive trade practices.Ms. Hletko also counsels financial institutions on risk management, loss mitigation and residential mortgage loan modification programs, and compliance with consumer protection laws, such as the Fair Credit Reporting Act, the Fair Debt Collections Practices Act, the Real Estate Settlement Procedures Act and the Truth in Lending Act.Ms. Hletko lectures and publishes on subjects of interest to financial institutions, including the management of litigation and regulatory risk in light of outsourcing and False Claims Act litigation and enforcement trends.Prior to joining BuckleySandler LLP in 2009, Ms. Hletko was an associate attorney with Skadden, Arps, Slate, Meagher & Flom LLP. From 2001-2003, she was an associate attorney with Paul, Weiss, Rifkind, Wharton & Garrison LLP.John P. Kromer, co-managing partner of BuckleySandler LLP, advises clients on compliance with state and federal laws applicable to mortgage companies, consumer finance companies, real estate companies, commercial lenders and other financial institutions. He assists financial services firms to develop, structure and negotiate business relationships, including joint ventures and outsourcing arrangements. He also advises financial and strategic purchasers of financial services firms in connection with regulatory matters, including due diligence of companies, assets and portfolios.Mr. Kromer is the Chair of the Housing Finance and RESPA Subcommittee of the Consumer Financial Services Committee of the Business Law Section of the American Bar Association and serves on the Advisory Council of the American Association of Residential Mortgage Regulators.Mr. Kromer is a frequent panelist at industry conferences discussing legal issues affecting mortgage companies and consumer lenders. He is a co-author of books including Residential Mortgage Lending: State Regulation Manual; Residential Mortgage Lending: Brokers; Pratt's State Regulation of Second Mortgages and Home Equity Loans; Mortgage Bankers Guide to Regulatory Compliance; and The Law of Electronic Signatures and Records, and has written numerous articles for consumer financial services industry publications.Before joining BuckleySandler, Mr. Kromer was a partner with Goodwin Procter LLP and, prior to that, a partner with Negroni & Kromer, PLLC. Prior experience includes work as a legislative assistant to U.S. Representative Larry J. Hopkins (KY) from 1988-1990 for banking, housing, budget and tax issues, and as a legislative intern to Virginia State Senator Edgar Robb from 1992-1993.