Mealey's (April 21, 2020, 11:51 AM EDT) -- RICHMOND, Va. — A Fourth Circuit U.S. Court of Appeals panel on April 20 affirmed a ruling finding that a lender was not required to hold a face-to-face meeting before initiating foreclosure proceedings, holding that the bank’s nearest location was not a “branch office” because it did not conduct any mortgage-related business there (Jacqueline Dawn Stepp v. U.S. Bank N.A., No. 19-1067, 4th Cir., 2020 U.S. App. LEXIS 12598)....