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Overview

Clients rely on Tobias’ guidance regarding all phases of financial regulations and risk management.

Tobias guides financial clients of all sizes, from startups to the country’s largest banks. His range of experience also includes extensive work with credit unions, mortgage companies, online lenders, automobile lenders, student loan servicers and private equity funds. He guides financial institutions through commercial lending, fintech, data privacy and security, among other complex matters or proactive risk management, regulation and growth. With more than a decade of experience, Tobias provides practical advice and crafts thorough solutions.

He has in-depth experience both as in-house and as outside counsel advising clients on preparation of Compliance Management Systems addressing these laws and subsequent reviews and audits of such systems.

He helps companies navigate licensing and regulatory matters during the most complex acquisitions, mergers and asset transfers. He regularly counsels clients on various federal statutes, including:

  • Real Estate Settlement Procedures Act (RESPA)/Regulation X
  • Truth in Lending Act (TILA)/Regulation Z
  • Equal Credit Opportunity Act (ECOA)/Regulation B
  • Home Mortgage Disclosure Act (HMDA)/Regulation C
  • Unfair or Deceptive Acts or Practices (UDAAP)

Tobias also assists clients with complying with 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.


Industry

Services

Education

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

Admissions

  • District of Columbia
  • New York
  • Texas

Professional Associations and Memberships

  • American Bar Association
  • Conference on Consumer Finance Law
  • Mortgage Bankers Association
Experience
  • Conducted research on fees and disclosures for fintech companies in all 50 states.
  • Designed credit card program for state bank operating in all contiguous 48 states and District of Columbia.
  • Served as regulatory counsel for numerous state and national banks.
  • Assessed data privacy and security concerns and big data issues for depository institutions.
  • Designed state and federal compliance programs for mortgage companies and automobile lenders operating in multiple states.
Outside the Office

Tobias is an avid traveler who likes to explore new cultures and new cuisines. He also enjoys basketball and chasing around his young son.