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Joe Kolar is founding partner of Buckley Kolar LLP. Mr. Kolar regularly counsels financial institutions, financial services companies, mortgage companies, mortgage insurers, national trade associations and others in complying with mortgage and consumer lending regulations, including those relating to real estate settlement procedures, privacy, electronic signatures and records, escrows, truth in lending, fair credit reporting, equal credit opportunity, fair housing/fair lending, community reinvestment, state regulations and licensing. Mr. Kolar also has a significant practice in evaluating, drafting and advocating new legislative and regulatory proposals affecting the mortgage and consumer credit industry. Mr. Kolar advises on FHA-insured and VA-guaranteed single-family and project mortgage loan programs, GNMA guaranteed securities programs and the programs and policies of FNMA and FHLMC, as they relate to loan origination, servicing and secondary market transactions. In addition, Mr. Kolar frequently represents mortgage lenders and others in negotiating joint ventures, marketing and Internet origination agreements and vendor agreements, as well as other contracts used or needed by a wide variety of financial services companies. | 