Morgan Clemons is a regulatory compliance attorney with experience
representing start-up online lenders, money service businesses, community
banks, and mortgage companies. Morgan focuses her practice on representing
financial institutions on matters related to consumer protection issues,
including advising institutions in connection with supervisory examinations,
investigations, and enforcement actions related to FDCPA, FCRA, ECOA, the
SAFE Act, TILA, and Reg P.
Morgan previously worked as a staff attorney at the 11th Circuit Court of
Appeals. Morgan spent four years as an attorney with a state regulator.
While there, she drafted language implementing key changes to Georgia
money service business laws to update terms and account for emerging
business models, which became effective in July 2014. Morgan is experienced
in reviewing examination findings and negotiating administrative action
settlements for national lenders and money service businesses.
Morgan has served on the SAFE MLO National Test Maintenance Committee
as a subject matter expert. She currently serves on the national Mortgage
Bankers Association of America State Legislative and Regulatory Committee
as well as on the Mortgage Bankers Association of Georgia Compliance and
Quality Control Committee. She is an active member of the Community Bankers
Association, the National Association of Minority Mortgage Bankers of
America, and the Technology Association of Georgia FinTech group.
Morgan is active in the Atlanta community, having served as a member of the
Fernbank Artemis Guild, the Atlanta Symphony Associates, Children’s
Healthcare of Atlanta Friends Junior Board, and the Atlanta History Center
Membership Guild. She is an active member of the Georgia Association of
Black Women Attorneys and has chaired the Young Lawyers Division Women in
the Profession Committee and Inclusion in the Profession Committee, receiving
recognition from the American Bar Association and the State Bar of Georgia for
her efforts. She is an active member of the Caucus of Emory Black Alumni and
is the Chair Emeritus of Emory Young Alumni. She currently serves as a member
of the Adjunct Faculty at Emory University School of Law, teaching Introduction
to Financial Compliance.
Aldridge Pite Leads Compliance Fun at the Mortgage Bankers Association of Georgia meeting in Destin, Florida
Morgan Clemons Joins Emory University School of Law as Adjunct Professor teaching Financial Compliance
Georgia Bar Celebrates 100 Years of Women Lawyers, The Daily Report
Georgia Bar Marks 100th Anniversary of Its First Woman Lawyer, The Daily Report,
Morgan Clemons Joins State Bar of Georgia Young Lawyers Division Board of Directors, State Bar of Georgia
Morgan Clemons recognized in the 16th edition of Who’s Who in Black Atlanta, Atlanta Business Chronicle BizWomen
Morgan Clemons Receives the State Bar of Georgia Young Lawyers Division Award of Achievement for Service to the Profession
Morgan Clemons Recognized as an Emerging Leader in Housing by the MReport
State Bar of Georgia’s Young Lawyers Division Earns Top Awards at ABA Annual Meeting
Morgan Clemons Identified as Next Generation Attorney to Watch by Attorney at Law Magazine
Morgan Clemons Moderating Young Lawyers Division Spring Meeting Plessey v. Ferguson program
Morgan Clemons Joins Aldridge Pite’s Regulatory Compliance Group, Atlanta Business Chronicle
Articles & Speaking Engagements
Lawyer by Day, Curator by Night, Georgia Bar Journal, Oct. 2016.
Hailing Minnie Hale Daniel on the 100th Anniversary of Women in the Practice of Law in Georgia, Georgia Bar Journal, Oct. 2016, Linley Jones, Angela Forstie, Morgan Clemons, & Tali Schroeder
HACKED: Indecent Pictures, Financial Data, and Runaway Cars, Mortgage Compliance Magazine, 10/9/2015
Five Star Conference, “Evolution of Regulation: Details on CFPB and Regulatory Updates, Dodd Frank 342 Inclusion, and Compliance,” panelist (Sept. 8, 2015)
What WHCoA Means for Community Banks, Community Bankers Association, 7/13/2015
Speaker, Young Lawyers Division Real Estate Committee Lunch & Learn CLE, “The Do’s and Don’ts of Residential Mortgages: How Attorneys Can Stay Out of Trouble” (Dec.9, 2014).
Clemons, Morgan, (Aug. 11, 2014). Mortgage Law Hides Land Mines for Lawyers, FULTON COUNTY DAILY REPORT, 7.
Author/Presenter, “Utilizing Documents Reviewed in NMLS,” July 30, 2014 Conference of State Bank Supervisors Legal Seminar.
Clemons, Morgan (April 2013). Restitution for Federal Crimes: Will Mortgage Criminals Pay for the Real Estate Bubble?, THE BANKING LAW JOURNAL, 316-327.
Clemons, Morgan, Spring is on the Way: Have You Complied with Employee Background Checks?, DBF Monthly Mortgage Summary (Feb. 2013), 2-3.
Clemons, Morgan, The Mortgage App App, DBF Monthly Mortgage Summary (Jan. 2013), 3.
Clemons, Morgan, 2013: New Year, Same Rules, DBF Monthly Mortgage Summary (Dec. 2012), 3.
Clemons, Morgan (Oct. 2010). Is a Wal-Mart Bank Such a Bad Idea?, THE BANKING LAW JOURNAL, 873-897.