Amy is a seasoned structured finance lawyer who has represented both borrowers and lenders in structuring and closing asset-based finance transactions involving a variety of assets, including residential and commercial loans, servicing advances, servicing rights, RMBS and CMBS.

She has represented Ginnie Mae since she helped develop its multiclass program in the early 1990s. She assists a variety of clients in transactions involving government-insured loans and the GSEs, including warehouse financings, early buy-out (EBO) transactions and MSR financings. She advises clients on current issues such as the Corporate Transparency Act, as well as issues transforming the industry, such as eNotes.

According to Chambers USA, Amy is a valued resource in the world of high-stakes securitizations. Her clients describe her as an “able and smart lawyer” with “an excellent reputation” who “doesn’t get rattled and stays calm in stressful situations.”

Amy is also a trusted adviser on Investment Company Act of 1940 (1940 Act) status questions for many companies, including, in particular, REITs and other specialty finance companies, especially in connection with securities offerings and financings. She regularly advises on the applicability of various 1940 Act exceptions and exemptions relevant to the definition of “covered fund” under the Volcker Rule.

Amy is chair of the firm’s opinion committee and ethics in marketing committee.

Bar Admissions

Education
JD, Cornell Law School, magna cum laude, Senior Note Editor, Cornell Law Review, 1990

AB, Duke University, cum laude, 1985

• Represented Ginnie Mae in the development of its government guaranteed multiclass securities program, and regularly represents Ginnie Mae in the issuance of securities pursuant to the program and in enhancements to the program.
• Represents issuers, underwriters, servicers and trustees in securitizations of virtually all mortgage loan types, including residential mortgages (first and junior liens), home equity loans, high LTV loans, home improvement loans, FHA Title I loans, manufactured housing contracts, nonperforming and reperforming government-insured loans and commercial mortgage loans. 
• Represents financial institutions in mortgage warehouse facilities, including repurchase facilities and gestation facilities.
• Represents bank-sponsored asset-backed commercial paper conduits in transactions involving trade receivables, credit card receivables, mortgage loans and equipment leases, and in ABCP programs.
• Represents companies in connection with sales of receivables, insurance products, commercial mortgage loans, privately placed securities and other assets to ABCP conduits. 
• Represents investment banks, commercial banks, insurance companies and mortgage companies in pooled sales and purchases of residential and commercial mortgage loans. 
• Represents mortgage companies and financial institutions in acquisitions of portfolios of servicing rights and in negotiation and drafting of servicing contracts.  
• Represents issuers in public and private resecuritizations of MBS, including B-pieces and REMIC residual securities. 
• Represented a finance company in its acquisition of portfolios of REMIC residual securities. 
• Represented underwriters in private placements, initial public offerings and follow-on offerings of real estate investment trusts. 
• Represented a real estate investment trust in initial public offering and as general counsel. 
• Represented a major US investment bank in connection with development of its commercial mortgage loan conduit program. 
• Represented REIT clients on securitized debt transactions. 
• Formed and advised foreign and domestic equity funds and hedge funds.

• Co-Founder, Amy’s Army of Cancer Warriors
• Chair of Governance Committee, SwimRVA
• Member of Advisory Board, VCU Massey Cancer Center
• Former Chair, Subcommittee on Structured Financings, Federal Regulation of Securities, ABA Business Law Section
• Former Chair, Committee on Developments in Business Financing, ABA Business Law Section
• Former Chair, Committee on Securitization and REITs, ABA Real Property Section

• Listed for Structured Finance, Legal 500 United States, 2016
• Recognized as a Leader in Capital Markets and Securitization, National, Chambers USA, 2016-2017, Chambers Global, 2017
• Named among Influential Women of Virginia, Virginia Lawyers Weekly, Class of 2014

• Robust Financial Guidelines on Tap for Fannie Mae and Freddie Mac Seller/Servicers and Ginnie Mae Issuers, The Journal of Federal Agency Action, Volume 1, No. 2
• OpinionsMatters, ABA Real Property, Trust and Estate Law Section
• LIBOR’s Last Leg: Legislation and Synthetic LIBOR Ease the Transition to SOFR, The Review of Banking & Financial Services