• Ann Arbor
    Ann Arbor
    201 S. Division Street
    Suite 400
    Ann Arbor, MI 48104
    T 734-761-3780
  • Cheboygan
    Cheboygan
    229 Court Street
    P.O. Box 405
    Cheboygan, MI 49721
    T 231-627-8000
  • Detroit
    Detroit
    1901 St. Antoine Street
    6th Floor at Ford Field
    Detroit, MI 48226
    T 313-259-7777
  • Grand Rapids
    Grand Rapids
    250 Monroe Avenue NW
    Suite 400
    Grand Rapids, MI 49503
    T 616-205-4330
  • Troy
    Troy
    201 W. Big Beaver Road
    Suite 500
    Troy, MI 48084
    T 248-743-6000
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competitive drive
 

Howard A. Lax

Counsel,Troy

T 248-743-6011F 248-743-6002248-743-6011

competitive drive
Practices & Industries
Education
  • Wayne State University Law School, J.D., cum laude
  • University of Michigan, B.S.
Admissions
  • Michigan
Professional Affiliations
  • State Bar of Michigan
Overview

Mr. Lax concentrates his practice in financial institutions consumer compliance and regulatory affairs and real property law. His clients include banks, mortgage lenders, real estate developers, and title insurance companies.

Before joining Bodman he practiced with other highly regarded southeast Michigan business law firms and served for 10 years with the Legal Services Division of NBD Bank where he was counsel to NBD Mortgage Company and consumer lending counsel to various other departments within the bank.

Mr. Lax is AV© Peer Review Rated by Martindale Hubbell, has been listed as a “Top Lawyer” by DBusiness magazine, and has been listed in Michigan Super Lawyers under Banking and Real Estate. In law school, he received the Bronze Key Award and the Silver Key Award for scholarship and the American Jurisprudence Award in Torts.

Mr. Lax is a member of the Master Lawyers, Business Law, and Real Property Law sections of the State Bar of Michigan. He was a member of the Real Property Law Section Council for 14 years, served as chair of the Residential Transactions Committee, and co-edits the Real Estate Section’s e-newsletter.

Mr. Lax has authored dozens of articles and presented at numerous conferences and continuing education programs on regulatory and real estate issues and on the documentation of consumer loans. His extensive speaking background includes presentations to compliance officers, lenders, mortgage brokers, auditors, appraisers, and loan managers. Recent representative examples of his publications and presentations include the following.

Honors, Awards, and Recognition
  • DBusiness Magazine "Top Lawyers"
  • Michigan Super Lawyers, 2006-2007
  • Martindale-Hubbell® AV Preeminent® Peer Rated for Highest Level of Professional Excellence; Endorsed for High Ethical Standing
Civic, Cultural and Community Activities
  • State Bar of Michigan
    • Master Lawyers Section
    • Business Law Section
    • Real Property Law Section
Publications
  • "Marketing Lessons Learned the Hard Way." Mortgage Compliance Magazine, April 2015

  • "CFPB Dodd-Frank Rules: The Great Egg Hunt (Part 1)." Mortgage Compliance Magazine, November 2013

  • “Regulation of Loan Advertising – Hold the Presses.” Michigan Banker, April 2012

  • “Dodd-Frank Strikes Again: Changes to Credit Denial Statements and Risk Based Pricing Disclosures.” DocMagic Compliance Wizard, July 2011

  • “Combining GFE and TILA Disclosure Forms: When Worlds Collide.” DocMagic Compliance Wizard, June 2011

  • “Loan Zone: The SAFE Act is Coming!” Credit Union Management, April 2011

Speaking Engagements
  • “Loan Officer Compensation & Anti-Steering Restrictions.” American Bar Association Real Estate Lending Conference, Baltimore, MD, April 10-12, 2011

  • “RESPA Changes & Regulatory Updates.” (round table discussion) Michigan Bar Real Property Law Section Summer Conference, Thompsonville, MI, July 16-17, 2010

  • “RESPA Compliance – Getting It Right.” American Bar Association teleconference, June 2010

  • “RESPA Compliance Issues and Updates.” American Bar Association Regulatory Compliance Conference, San Diego, CA, June 2010

  • “New Developments in Residential Transactions.” (round table discussion) Michigan State Bar Real Property Section Summer Conference, Traverse City, MI, July 17-18, 2009.

  • “Developing Small Business and Leveraging Resources in Detroit.” (panel discussion)Federal Reserve Bank of Chicago-Detroit Branch, October 16-17, 2012

  • “Current Compliance Issues in Mortgage Origination.” American Bankers Association Regulatory Compliance Conference, June 10, 2012

  • “Understanding the Art of Mortgage Advertising.” Arizona Mortgage Lenders, February 28, 2012; Colorado Rocky Mountain Lenders Expo, April 5, 2012

  • “Loan Originator Compensation Rule Update.” Michigan Mortgage Lenders Association member presentation, May 3, 2011

 

Practices & Industries Education
  • Wayne State University Law School, J.D., cum laude
  • University of Michigan, B.S.
Admissions
  • Michigan
Professional Affiliations
  • State Bar of Michigan