Chris translates complex regulations into actionable legal strategies for lenders, banks, fintech companies, and other clients in the financial industry.
Chris is focused on providing business-centered legal strategies to financial services companies designed to manage risk. Bringing a deep and broad experience in the financial services industry, Chris advises consumer lenders, fintechs, buy-now-pay-later companies, banks, credit unions, mortgage companies, and service providers about regulatory and compliance issues. In particular, Chris helps clients develop new products; expand into new jurisdictions; perform regulatory audits, including fair lending, fair servicing, and fair housing audits; prepare multi-jurisdictional regulatory surveys for consumer lenders, mortgage companies, and settlement service providers; develop RESPA-compliant marketing services agreements and joint ventures; create compensation plans that are compliant with the Loan Originator Compensation Rules; and address issues related to the Truth-In-Lending Act (TILA), the TILA-RESPA Integrated Disclosure Rule (TRID), the Home Mortgage Disclosure Act (HMDA), Regulation B, and the Equal Credit Opportunity Act (ECOA).
Chris also maintains a robust alternative commercial finance practice. Chris helps factoring companies, revenue-based finance companies, and traditional commercial lenders address increasing regulatory and compliance burdens brought by state and federal regulators. Chris has helped clients comply with new commercial finance disclosure laws and has worked with industry participants to prepare for Dodd-Frank 1071, the upcoming commercial lending data collection law.
In addition to his active practice, Chris is a recognized thought leader. He has been quoted in national publications such as National Mortgage News and is a frequent writer and speaker on issues such as fair lending, RESPA guidance related to marketing services agreements, and the increasing regulation of commercial lenders. Chris is also a published legal author, having co-authored the “Settlement” chapter of the American Bar Association’s Class Action Strategy & Practice Guide and co-edited the American Bar Association’s Class Action and Derivative Suits Newsletter.
Known for his customized solutions, Chris offers clients strategies that align with their business goals and plans. He is dedicated to listening to and understanding clients’ needs and business situations so that he can provide answers or alternatives that fit their unique circumstances.