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.
- Involvement in “Hallmark” Debt Collection Activities Not Required for “Meaningful Participation” under FDCPA, Ninth Circuit Rules - (Posted On Tuesday, May 08, 2018)
- False Representation Must be Material to Violate FDCPA, Eighth Circuit Rules - (Posted On Friday, May 04, 2018)
- CFPB Files Amicus Brief In Seventh Circuit FDCPA Case - (Posted On Monday, April 30, 2018)
- State AGs Urge Rejection Of Bill To Preempt State Regulation Of Federal Student Loan Servicers - (Posted On Monday, March 26, 2018)
- D.C. Circuit TCPA Decision Gives Industry Partial Victory, but No Certainty - (Posted On Tuesday, March 20, 2018)
- Senate Passes Banking Bill Providing Dodd-Frank Relief - (Posted On Thursday, March 15, 2018)
- Washington State Legislature Passes Bill To Expand Coverage Of Service Member Protections And Provide Additional Protections - (Posted On Monday, March 05, 2018)
- CFPB seeks comment on public reporting of consumer complaint information - (Posted On Thursday, March 01, 2018)
- Housing Group Announces Settlement of FHA Lawsuit Alleging Insurance-Related Discrimination - (Posted On Monday, February 26, 2018)
- NY bars use of mandatory arbitration agreements by career training schools - (Posted On Monday, February 26, 2018)
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.