Charlotte Young, Sr. Staff Attorney at Auction.com, is a 2026 HousingWire Rising Star for work that modernizes foreclosure sales with clearer, more transparent processes.
“Charlotte has the ability to earn trust in rooms where change is hard: court stakeholders, legislators, and foreclosure law firms,” said George Lane, Chief Legal Officer. “She shows up prepared, listens, and then turns complicated requirements into solutions our teams can execute. When Charlotte is leading an issue, we know we’ll end up with something durable, compliant, and better for the industry.”
The Work Behind the Recognition
Over the last year, Charlotte has helped move some of the industry’s important foreclosure sale issues from uncertainty to execution. Her work sits where legal clarity, operational efficiency, and broader bidder access meet. That matters for sellers navigating compliance risk, law firm partners managing local process, and courts or legislators evaluating how modernization should work in practice.
Three recent achievements stand out:
- Illinois: Helped draft and advocate for legislation creating a framework for online foreclosure auctions, expanding bidder access while preserving safeguards.
- Texas: Led the effort to clarify “trustee” and “substitute trustee” in Chapter 51 of the Texas Property Code, so the terms clearly include entities, removing a long-standing ambiguity across 254 counties.
- New York: Worked with the courts and the Office of Court Administration to pilot remote bidding through foreclosure judgments, then expand that approach statewide.
This kind of work is valuable because the friction is real, and if a rule is unclear or local practice is inconsistent, execution slows down.
Why It Matters for the Industry
Charlotte’s impact goes beyond legal drafting. It changes what internal teams, foreclosure law firms, and market participants can do on the ground. In Illinois, the focus was creating a workable framework for online foreclosure auctions. In Texas, it was removing ambiguity that complicated statewide execution. In New York, it was opening a practical path for broader participation without compromising court oversight.
She also serves as the legal point of contact for Assign the Bid, which helps capture third-party demand before a property becomes REO, and she advises Auction.com teams on compliance and marketing questions tied to legislative change. Beyond those headline initiatives, she has supported Remote Bid work in North Carolina, online-auction legislation in Louisiana, and foreclosure sale process legislation in Ohio.
Outside her day-to-day role, Charlotte supports Auction.com’s veterans pillar through the Veterans Financial Services Advisory Council (VFSAC), which brings together housing and financial services leaders to support military families through Operation Homefront.
Leadership That Earns Trust
Charlotte’s leadership is visible in how she handles issues that do not have quick fixes. In Texas, she pursued an Attorney General opinion to address an operational constraint. When market participants were reluctant to rely on that opinion alone, she kept working until the issue was resolved through statutory change. That persistence is part of what makes her work durable.
Charlotte Young’s 2026 HousingWire Rising Star recognition reflects work that has helped modernize foreclosure sales in ways that are practical, scalable and built to last. For Auction.com and the broader industry, it is recognition tied to substance.
Read about other Auction.com award winners: