Kris Kully counsels providers of consumer financial products and services on federal and state regulatory compliance matters. Clients turn to Kris for advice on compliance with licensing, consumer protection and other practice requirements facing mortgage and consumer lenders/brokers, servicers and investors, as well as other participants in the real estate finance and consumer credit industries.

For example, she helps clients understand their obligations under all the authorities of the Consumer Financial Protection Bureau, including the federal Truth-in-Lending Act (TILA), Real Estate Settlement Procedures Act (RESPA), Equal Credit Opportunity Act (ECOA), Home Mortgage Disclosure Act (HMDA), Secure and Fair Enforcement for Mortgage Licensing Act (SAFE), Consumer Leasing Act, Gramm-Leach-Bliley Act, and Fair Debt Collections Practices Act (FDCPA), as well as similar state laws. Clients seek out Kris for guidance in connection with originating, purchasing and servicing all types of consumer finance products, including residential mortgage loans, consumer loans, credit cards, lease agreements and deposits. Companies also rely on her counsel for regulatory compliance due diligence activities.

Kris is a former lawyer for the Department of Housing and Urban Development. In that role, she provided legal counsel to the department on the mission oversight of Fannie Mae and Freddie Mac, the interpretation of the RESPA and the implementation of the department’s various housing assistance and community development programs. She also worked in the financial services industry.


Cornell Law School, JD
Managing Editor, Cornell International Law Journal

University of Nebraska, BA, magna cum laude


  • District of Columbia


  • Women in Housing and Finance Foundation, President
  • Women in Housing and Finance (Past President and Member)
  • American Bar Association