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Melissa Klimkiewicz is dedicated to providing pragmatic, comprehensive, and timely guidance to her financial services industry clients, which primarily include mortgage lenders and servicers. A Partner in Buckley Sandler LLP’s Washington, D.C., office, Ms. Klimkiewicz frequently assists Federal Housing Administration (FHA) mortgagees with their initial program applications, annual recertification efforts, compliance with and understanding of program rules and self-reporting obligations, audits by the Quality Assurance Division (QAD), inquiries from the Office of Inspector General (OIG), and enforcement actions by the Mortgagee Review Board. She represents both forward mortgage and reverse mortgage / Home Equity Conversion Mortgage (HECM) lenders and servicers.

She performs similar work for matters involving Ginnie Mae, the U.S. Department of Housing and Urban Development (HUD) Section 184, the U.S. Department of Veterans Affairs, and the U.S. Department of Agriculture Rural Housing Service loan programs. In recent years, her work has increasingly included assisting clients with False Claims Act (FCA)-based risk assessments arising from participation in government lending programs.

In addition, Ms. Klimkiewicz’s practice focuses on the mandatory purchase of flood insurance requirements under the Flood Disaster Protection Act. She regularly advises lenders and servicers on the ins and outs of the federal banking agencies’ evolving flood insurance-related regulations and guidance, as well as FHA, Fannie Mae, Freddie Mac, and state flood insurance requirements.

Ms. Klimkiewicz’s practice also includes counseling clients in matters arising under the Real Estate Settlement Procedures Act (RESPA), the Truth in Lending Act (TILA), the Mortgages Acts and Practices Rule (MAP), the Secure and Fair Enforcement for Mortgage Licensing Act (SAFE) and related state licensing laws, state regulation of real estate brokers and property managers, and the range of other federal and state consumer financial laws impacting lending and servicing.

Recent noteworthy matters include:

  • Assisting numerous clients with FHA compliance reviews, self-reporting, filing of Notices of Material Events, filing of Annual Certifications, and responding to audits and enforcement actions, including through meetings with appropriate agency personnel where appropriate
  • Developing policies and procedures, and responding to targeted questions, to foster compliance with the mandatory purchase of flood insurance requirements within lenders’ and servicers’ lines of business
  • Reviewing mortgage application and closing disclosures for compliance with federal and state requirements and industry best practices, and suggesting revisions as needed
  • Analyzing state real estate licensing requirements for providers operating in numerous states, and assisting with obtaining required licenses
  • Developing a protocol for efficient review of standard and non-standard mortgage security instruments and notes to determine whether certain default servicing fees could be assessed to a borrower

Ms. Klimkiewicz is a former Co-Chair (2014-2017) and Co-Vice Chair (2011-2014) of the Housing Finance Subcommittee of the American Bar Association’s Consumer Financial Services Committee, and serves as a board member for a Montana non-profit affordable housing and financial education provider.

Prior to joining Buckley Sandler, Ms. Klimkiewicz was an Associate at Howrey LLP, and was a law clerk at Buckley Kolar LLP while attending law school. She received her J.D. from The George Washington University and her B.A. from the University of Pennsylvania.

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  • J.D., George Washington University, 2004
  • B.A., University of Pennsylvania, 2000 (magna cum laude)


  • District of Columbia
  • Montana (voluntarily inactive)
  • New York

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