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Mandy Xu is an associate in the firm’s Banking and Financial Services department. She provides legal advice and practical guidance to banks and other financial institutions on a wide variety of operational, compliance, regulatory and other matters. Her experience includes representing clients with regard to product development and maintenance, day-to-day operations, marketing material review, communications with regulatory agencies, and regulatory compliance at the federal and state levels.

Areas of Concentration:

  • Mortgage rules and regulations implemented by the Consumer Financial Protection Bureau under the Dodd-Frank Act  
  • TILA-RESPA Integrated Disclosure Rule
  • Ability to Repay/Qualified Mortgage Rule
  • Mortgage Servicing Rules
  • Loan Originator Compensation Requirements
  • Home Mortgage Disclosure Act
  • Fair Lending

Practice Areas



  • New York


  • J.D., Washington University School of Law, 2012
  • LL.M., Washington University School of Law, 2010
  • LL.B., Southwest University Political Science and Law, China, 2009

Representative Experience

  • Provide general counsel service to financial institutions.

Professional and Community Activities

  • Member, New York State Bar Association, 2014—Current

Foreign Languages

  • Mandarin Chinese

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