John L. Culhane, Jr. photoJohn L. Culhane, Jr.

Practice Areas
Consumer Financial Services

Mr. Culhane is a partner at Ballard Spahr LLP and a member of the firm’s Consumer Financial Services Group. His practice emphasizes advising on interstate direct and indirect consumer and residential mortgage loan and leasing programs, through both traditional brick-and-mortar facilities and e-commerce. Mr. Culhane addresses issues involving licensing, advertising and marketing, application processing, privacy, disclosure, pricing, substantive terms, servicing, collection, portfolio sales, and securitization. His clients have ranged from a multibillion-dollar bank holding company, to one of the nation’s largest residential mortgage lenders, to a leading provider of financial institution forms and documentation.

Before joining Ballard Spahr, Mr. Culhane was associate counsel with Mellon Bank, N.A.; associate counsel with Bank of America NT&SA; and senior attorney (section chief) with the National Credit Union Administration, the federal agency regulating federal credit unions.

Mr. Culhane is the Former Editor of the Annual Survey of Consumer Financial Services Law which is published each year in The Business Lawyer. He frequently speaks and writes about consumer financial services issues. He is a graduate of the University of Notre Dame and the University of Virginia Law School.

Professional Affiliations

  • Founding Fellow, American College of Consumer Financial Services Lawyers
  • Member, ABA Consumer Financial Services Committee
  • Former Chair, ABA Consumer Financial Services Subcommittee on Fair Access to Services
  • Former Chair, ABA Task Force on Lender Liability Limitation Amendments to State Statutes of Fraud

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