Michael S. Waldron is a partner at Ballard Spahr and Practice Leader of the Mortgage Banking Group. He is a former in-house counsel for two national lender/servicing shops. With an insider’s perspective, Mr. Waldron draws on his experience in-house to advise and represent mortgage companies, financial institutions, and secondary-market investors on the complexities of the current marketplace. Of late, his focus has been on servicing reform and enforcement and preparing clients for regulatory examinations, including those by the CFPB. He is an editor of The Mortgage Finance Regulation Answer Book, published by the Practising Law Institute.