John L. Culhane, Jr., is known for his work advising on interstate direct and indirect consumer and residential mortgage loan and leasing programs, through both traditional brick-and-mortar facilities and e-commerce. 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 addresses issues involving licensing, advertising and marketing, application processing, privacy, disclosure, pricing, substantive terms, servicing, collection, portfolio sales, and securitization. His regulatory practice includes preparing clients for banking agency and CFPB compliance examinations and assisting in the defense of attorney general investigations and banking agency and CFPB enforcement actions. 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. Mr. Culhane is a member of the firm's Fair Lending Task Force.
More Legal and Business Bylines From John L. Culhane, Jr.
- HUD Publishes Proposed Revisions To Disparate Impact Rule - (Posted On Monday, August 19, 2019)
- DOJ Files Amicus Brief With SCOTUS in FDCPA Statute of Limitations Case - (Posted On Wednesday, August 14, 2019)
- NY Department of Financial Services Issues Proposed Student Loan Servicer Regulations - (Posted On Monday, August 12, 2019)
- CFPB Gives Boost to Use of Alternative Data and Machine Learning - (Posted On Thursday, August 08, 2019)
- NY DFS announces Multistate Investigation of Payroll Advance Industry - (Posted On Wednesday, August 07, 2019)
- New Jersey Enacts Licensing and Other Requirements for Student Loan Servicers - (Posted On Wednesday, August 07, 2019)
- Bipartisan Bill Introduced to Create Legal Framework for Income Share Agreements - (Posted On Tuesday, August 06, 2019)
- Eighth Circuit Rules Against Telemarketing Company on TCPA Claim, Yet Declares $1.6 Billion in Statutory Damages Unconstitutional - (Posted On Tuesday, July 23, 2019)
- CFPB Issues Report on Tradeline Reporting by Third-Party Debt Collectors - (Posted On Monday, July 22, 2019)
- CFPB Issues Update to 2016 Advisory on Elder Financial Abuse - (Posted On Thursday, July 18, 2019)
John J. Culhane, Jr, a partner with Ballard Spahr known for his work advising clients on banking agency and Consumer Financial Protection Bureau (CFPB) compliance examinations, the defense of attorney general investigations and banking agency enforcement actions, was recognized as a 2019 National Law Review Go-To Thought Leader for his writings on financial industry regulation. Mr. Culhane's experience working in-house with various financial institutions and as a senior attorney (section chief) with the National Credit Union Administration, is especially helpful in his analysis of the CFPB and his articles on of the New York Department of Financial Services and his thought leadership is constantly well-read by NLR subscribers.