Michael Cavallaro advises banking and financial services companies on national and regional regulatory and legal compliance issues related to consumer and commercial bankruptcy and restructuring, collections, vendor management, foreclosure, loss mitigation and default servicing. Mike is a client-centered, creative problem-solver who focuses on providing efficient and effective representation.

A consummate team player, Mike is personally dedicated to navigating his clients through the challenges associated with an industry where laws and regulations are constantly evolving. Mike’s clients include financial institutions, mortgage companies, loan servicers, and collections agencies. He offers comprehensive experience in advising on consumer and commercial workouts and collections. He is also skilled in bankruptcy and general banking litigation related to consumer and commercial transactions for clients ranging from community banks and credit unions, to the largest national banks.

In addition, Mike assists clients with preparing for, and responding to, formal and informal inquiries from government agencies, including the U.S. Trustee Program, Office of the Comptroller of the Currency, Consumer Financial Protection Bureau and the FDIC.

Bringing value in his work with regulators, Mike is particularly appreciated for his ability to determine the best approach to striking the appropriate balance between advocacy and compliance with agency demands.

Mike previously served as a senior corporate counsel at U.S. Bank. Mike’s in-house banking experience gives him the ability to speak the language of his clients and regulators alike. While many lawyers may focus only on what the text of the law says, Mike is committed to taking the text of the law and helping his clients identify the legal risks associated with their needs in an effort to help them make an informed business decision within the framework of the law.