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Tobias regularly counsels lenders, servicers, investors, and settlement service providers with regard to compliance with various federal statutes and regulations including RESPA/Regulation X, TILA/Regulation Z, ECOA/Regulation B, HMDA/Regulation C, and UDAAP.

Tobias also advises clients with regard to compliance with state lending and servicing statutes and regulations. He has experience preparing 50 state surveys summarizing licensing requirements, advertising restrictions, disclosure obligations, permissible fees and charges, record retention requirements, telemarketing, usury limits, and foreclosure considerations. Tobias assists clients with complying with the seller/servicer requirements set forth by Fannie Mae and Freddie Mac and the requirements set by insurers such as the Federal Housing Administration and the U.S. Department of Veterans Affairs.




  • J.D., Brooklyn Law School
  • B.A., University of Nevada, Las Vegas
    • Philosophy
    • summa cum laude


  • District of Columbia
  • New York
  • Texas