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Marsha Williams, Chair of our National Mortgage Compliance Practice Group, is nationally respected for her expertise in residential mortgage law. She is a contributing author to Pratt’s State Regulation of Second Mortgages and Home Equity Loans, and to Negroni’s Residential Mortgage Lending: State Regulation Manual. Ms. Williams is a sought after speaker, and is often consulted in the drafting of legislation regarding mortgage law. 

Peer Review Rated:  AV


  • Juris Doctor, University of Oklahoma 
  • Bachelor of Arts, Oklahoma State University 


  • National Mortgage Compliance Services 


  • Texas 
  • Oklahoma 


  • American Bar Fellow 
  • College of the State Bar of Texas 
  • American Bar Association, Real Estate and Business Law Sections 
  • Texas Bar Association, Real Estate and Consumer Law Sections 
  • Mortgage Bankers Association of America Legal Issues and Regulatory Compliance and State Legislation and Regulation Committees 
  • American Bar Association, Consumer Financial Services Committee 


  • Pratt’s State Regulation of Second Mortgages and Home Equity Loans, A. S. Pratt & Sons (2003). 
  • Residential Mortgage Lending: State Regulation Manual, Clark Boardman Callaghan (contributing author for the Texas, Oklahoma and Louisiana sections) (1990). 
  • Overview of Residential Mortgage Lending Regulations in Baxter Dunaway, FIRREA: Law and Practice (Clark, Boardman, Callaghan, 1992). 
  • The New CRA Environment: Pitfalls and Opportunities, Texas League Savings Account, November – December, 1990. 
  • Update on RESPA Issues and Developments, 56 Consumer Finance Law Quarterly Report 1 (2002). 
  • Update on RESPA Litigation and Regulation, 18 The Review of Banking & Financial Services 71A (2002). 
  • Predatory Lending: Overview of the HUD/Treasury Report and Related Issues, 55 Consumer Finance Law Quarterly Report 1 (2001). 
  • Selected Developments Involving RESPA, Private Mortgage Insurance and Truth in Lending, 54 Consumer Finance Law Quarterly Report 1 (2000). 
  • Update on RESPA Regulations and Compliance, 53 Consumer Finance Law Quarterly Report 2 (1999). 
  • Update on RESPA, TILA, and Other Residential Lending Issues and Developments, 52 Consumer Finance Law Quarterly Report 4 (1998). 
  • Update on RESPA Issues, Development and Compliance, 52 Consumer Finance Law Quarterly Report 210 (1998). 
  • The 1990 National Affordable Housing Act: How Affordable Is It?, 46 Consumer Finance Law Quarterly Report 9 (1992). 
  • Overview of Residential Mortgage Lending Regulations, 45 Consumer Finance Law Quarterly Report 30 (1991). 


Prior experience includes serving for four years as General Counsel for First Texas Savings Association and on the legal staff of the Regional Office of the Comptroller of the Currency. Ms. Williams is the past chair of the MBA’s State and Local MBA Liaison and Education Committees and currently chairs its State Legislation and Regulation Committee. Previously, she chaired the Education, Judiciary, and Local MBA Committees of the Texas Mortgage Bankers Association and served on its Board of Directors. She received the 1996 MBA State and Local MBA Service Award and the 1999 Texas Mortgage Bankers Association Distinguished Service Award. She has served on the National Advisory Council of Fannie Mae and on the faculty of the MBA’s Mortgage Banking School. She is past President of Dallas Mortgage Bankers Association, for which she served as Vice President and Treasurer and chaired its Judiciary/Legislative Committee. In February, 1999, Ms. Williams was appointed by Texas Governor George Bush to the Board of the Texas Department of Housing and Community Affairs to represent lending institutions, and served on the Board of the National Conference of State Housing Boards. She also served on the State of Texas Joint Interim Task Force on Affordable Housing and chaired the Greater Dallas Chamber of Commerce Housing Subcommittee.