Bob is a member of Holland & Knight’s Financial Services
Regulatory Team. His practice focuses on consumer credit compliance and
other regulatory issues of concern to banks, thrifts, credit unions,
mortgage bankers, secondary mortgage lenders, finance companies
and industry-related trade associations.
He counsels institutions that provide financial products and services
to consumers regarding the myriad federal and state laws and regulations
with which they must comply; reviews documents for compliance with federal
and state laws; assists with bank applications and other regulatory issues
of concern to banking institutions, helps financial institutions resolve
compliance and licensing issues raised by state and federal regulators;
performs compliance audits of loan files and operations; assists litigators
in consumer finance-related individual and class action litigation; and
generally provides counsel on day-to-day compliance issues as they
arise.
Bob is a former Deputy Commissioner of the New Jersey Department of
Banking, a past Chair of the NJ Bar Association’s Banking Law
Section, a former Co-Chair of the RESPA and Housing Finance Subcommittee
of the American Bar Association’s Consumer Financial Services
Committee, and the former Editor of Pratt’s Mortgage
Compliance letter, a national publication on mortgage compliance issues.
He is also a Fellow in the American College of Consumer Financial
Lawyers and an educator, having founded and served for many years
as an instructor for a company that trained mortgage loan originators
on federal and NJ residential mortgage laws and regulations. Bob is
a frequent speaker on compliance issues before state and national groups,
and has authored numerous articles on the subject.