Annie is a standout attorney with a unique background that allows her to assess each situation from multiple perspectives.  Through her time in private practice, Annie has acquired experience helping mortgage companies, banks, financial institutions, fintech companies, and government contractors navigate the complexities of litigation, government enforcement actions and investigations, regulatory compliance, and contract negotiation.  While clerking for the Honorable Carolyn N. Lerner at the United States Court of Federal Claims—a court that primarily hears monetary claims against the United States—Annie also gained invaluable insight into the process and challenges of litigating against the federal government.  Prior to joining Garris Horn, Annie served as a full-time faculty member at The George Washington University Law School where she not only taught law students oral and written advocacy skills, but also learned to discern the law from an academic angle.  Drawing on these experiences, Annie offers clients in the financial services industry a cost-effective option for obtaining practical and thoughtful advice, as well as detail-oriented solutions to a range of legal challenges.

Annie is a member of the 2024-2025 Texas Mortgage Bankers Association Class of Certified Mortgage Leaders.

REPRESENTATIVE MATTERS

• Represented clients in litigation and government enforcement and investigations matters before the SEC, CFTC, DOD, DOJ, GAO, SBA, and state regulatory agencies.

• Assisted mortgage lenders, investment advisors, and broker-dealers in matters relating to licensing and registration.

• Represented clients and worked on matters before, or involving, the Small Business Administration (SBA) that required navigating the SBA’s various size determination standards.

• Assisted mortgage company in settling dispute with former employee.

• Created compliance policy on lobbying and gift laws and administered a company-wide training program.

EXPERIENCE

• Representing companies in litigation against the federal government—including enforcement proceedings and investigations by federal and state regulatory agencies—as well as commercial disputes.

• Researching, analyzing, and advising clients on complex regulatory issues affecting the financial services, banking, and government contracting industries.

• Preparing employment and independent contractor agreements for mortgage lenders.

• Negotiating and drafting SaaS contracts, software end-user license agreements, purchase and sale agreements for mortgage servicing rights, vendor services agreements, NDAs, and federal grants and subcontracts.

• Helping clients remain compliant within emerging and evolving areas, including data privacy (at the federal, state, and international levels), fintech, and cryptocurrency.

EDUCATION

• The George Washington University Law School (J.D. with honors, 2020)

• University of Arkansas (B.A. in International Relations and English, 2017)

BAR ADMISSIONS

• District of Columbia

PUBLICATIONS

• Anne M. Termine & Annie Willett, CFTC Enforcement Program 2020-2021: The Swaps Market Under Review, 55 Rev. Sec. & Commodities Regul. 13 (2022).

• Holding the Best Olympics Ever: The Need for a Permanent and Independent Human Rights Committee to Oversee Olympic Procurements, 49 Pub. Cont. L. J. 123 (2019).  Link to Publication.