In This Issue:

- Another Perspective:

Lyn Hayth is the President and CEO of the Bank of Botetourt. Lyn has been a banker for more than 30 years....

- From the Editor:

A welcome message from our executive editor.

- Transferring Declarant Rights in a Foreclosure or Deed in Lieu:

An amendment to the Planned Community Act has addressed the transfer of declarant rights....

- Views from the Footprint:

Question: My bank has collateral in your state, specifically an office building. The loan is in default for failure to pay. I want to foreclose on it. What does this entail, what is the process, and what is the typical timeline?

- NC Supreme Court Upholds Enforceability of Waiver of ECOA Claim:

North Carolina Supreme Court issued an important opinion for lenders regarding waiver of claims, forbearance agreements, guarantor's affirmative defense, and the Equal Credit Opportunity Act....