Morgan Clemons
Morgan Clemons
Associate, Compliance
Phone: 404-994-7479
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Bar Admissions
Georgia, 2010
Duke University School of Law, 2010
Emory University, 2006
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 presenting at the Mortgage Bankers Association of Georgia Education Summit 2019
Aldridge Pite presenting at the ACAMS Atlanta Chapter Lunch & Learn
Aldridge Pite presenting at the Georgia Bankers Association Compliance Conference
House Financial Services Committee Hosts Hearing Examining Student Loan Servicers
Aldridge Pite attends the Atlanta Regional Housing Forum
Morgan Clemons contributes Feature Article to ALFN Angle Spring 2019 on Mortgage Loan Originator Transitional Licensing Impact
Morgan Clemons receives the Mortgage Bankers Association of Georgia (“MBAG”) 2018-2019 Associate of the Year Award
THE NEW NORMAL – Updates to Federal Loan Originator Licensing Law and Potential Impacts
Morgan Clemons presents What’s Next in Consumer Financial Services Regulation? at the State Bar of Georgia international Tropical Seminar
Morgan Clemons serves as subject matter expert for State Regulatory Registry to create, review and update mortgage loan originator test questions and test content outline
Morgan Clemons Completes Financial Services Law Text
Morgan Clemons presents Fintech, the Changing Client Base, & the New Order in the Financial Services Industry at the State Bar of Georgia Real Estate Section Foreclosure Seminar
Morgan Clemons Joins the State Bar of Georgia Arc of Justice Steering Committee
Morgan Clemons presents training on the Consumer Financial Protection Bureau
6/28/2018 – 6/29/2018
Morgan Clemons Attends Mortgage Bankers Association of Georgia Board of Governors Leadership Retreat
Morgan Clemons presents Compliance is Not a Four-Letter Word at the Fintech 101 Conference
1/17/2018- 1/19/2018
Morgan Clemons serves as subject matter expert for State Regulatory Registry to create, review and update mortgage loan originator test questions and test content outline
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 
August 2015
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.
Honors & Affiliations
  • General Counsel, Georgia Real Estate Fraud Prevention & Awareness Coalition
  • Young Lawyers Division Award of Achievement for Outstanding Service to the YLD
  • MReport Emerging Leader (2015)
  • Who’s Who in Black Atlanta (16th edition)
  • Attorney at Law Magazine Attorney to Watch (2015)
  • Young Lawyers Division Award of Achievement for Service to the Profession (2015)
Representative Matters
  • Drafted and submitted Requests for Opinions and No Action letters interpreting laws and rules toward the successful avoidance of the imposition of regulatory burdens
  • Consulted as an expert, drafted, and submitted expert report for national, midsize retail mortgage lender in preparation for litigation
  • Advised regional, retail bank with more than $10BB in assets on the successful implementation of TILA-RESPA Integrated Disclosure (“TRID”) related issues
  • Assisted start-up fintech companies with establishing fifty-state footprint through the successful submission and approval of licensing applications
  • Advised international , VC-backed money transmitters on compliance with reporting and recording-keeping requirements
  • Advised seed capital stage international API on regulatory licensing
  • Supported direct lender clients on policies and procedures, ongoing compliance requirements, and regulatory requirements related to expanded services
  • Successfully resolved investigative inquiries against marketplace lenders and provided responses to resolve examination requests, yielding no violations in final report
  • Advised real estate investment funds engaged in exempt offering on licensing for loan origination and servicing of residential real estate
  • Review of CFPB complaint responses related to servicing, foreclosure, bankruptcy, and/or debt validation requests for multi-state third-party service provider