John L. Culhane, Jr.

Culhane, Ballard, Partner
Organization Profile
Professional Biography

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.

  • Latest Legal and Business Bylines From John L. Culhane, Jr.

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.


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