Kyle Owens

Kyle Owens helps clients in the financial services industry manage change, navigate risk, and solve problems. He advises banks, lenders, loan servicers, and securities firms regarding their legal obligations, and then he advocates for their interests when disputes arise. From distilling complex regulatory requirements to providing contractual guidance to litigating and arbitrating consumer and commercial disputes, he offers practical advice that both in-house counsel and business decision-makers will understand. Owens has deep experience with financial laws and regulations, including the Truth in Lending Act/Regulation Z, the Real Estate Settlement Procedures Act, the Equal Credit Opportunity Act/Regulation B, the Fair Housing Act, the Fair Credit Reporting Act, the Expedited Funds Availability Act/Regulation CC, Regulation M, the Electronic Fund Transfer Act/Regulation E, E-SIGN, the Fair Debt Collection Practices Act, the Dodd-Frank Act’s prohibition on unfair, deceptive, or abusive acts and practices, the Telephone Consumer Protection Act, the Flood Disaster Protection Act, Regulation O, Regulation W, the Uniform Commercial Code, and various state equivalents. He also provides guidance regarding state licensing requirements.