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Attorney Brion WKelley

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December 10, Dear [redacted] I am writing in response to your letter dated November 30, (copy enclosed) regarding the above referenced complaintThe delays in processing this transaction were due to the following: The delay by [redacted] Bank in deciding that this closing was not subject to the new regulations (TRID Regulations) imposed by DODD FRANK ACT which were implemented on October 3, 2015;The delay in receiving necessary information from the clients, The delay caused in the underwriting review (done by home office of title carrier, not the undersigned) which was caused by judgments entered against the client who was to become an ownerSincerely yours,BRION WKELLEY, ESQUIRE

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