Robert Savoie
Partner @Womble Bond Dickinson (US) LLP
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WORK HISTORY
Partner @Womble Bond Dickinson (US) LLP
Cleveland, OH, US
I advise FinTech companies and other financial institutions on regulatory compliance in consumer and commercial financial services, assisting clients in navigating federal and state lending, licensing, and debt collection requirements and in preparing for examinations, investigations, and enforcement actions.My clients include FinTech companies, start-ups, mortgage lenders and servicers, marketplace lenders, automotive and personal property finance companies, cryptocurrency exchanges, small loan companies, national and state banks, high and low dollar commercial lenders, and businesses engaged in merchant cash advance and factoring. He counsels them on compliance with the federal laws applicable to their programs, such as the Truth in Lending Act (TILA), Fair Debt Collection Practices Act (FDCPA), Servicemembers Civil Relief Act (SCRA), Military Lending Act (MLA), Fair Credit Reporting Act (FCRA), Real Estate Settlement Procedures Act (RESPA), and related state laws.I often advise clients on corporate structuring, licensing, consultations with regulatory agencies regarding new products and technology, and strategic business planning. I also work with clients on developing policies and procedures, aligning operations with regulatory requirements, and supporting multi-year growth and expansion plans.For a full list of presentations, articles, and papers, please see
EDUCATION
University of Mississippi
B.B.A., (1) Managerial Finance and (2) Banking and Finance
Jackson Academy
High School Diploma, High School
Notre Dame Law School
J.D., Law
ABOUT ROBERT SAVOIE
I primarily represent non-depository and depository financial institutions with respect to banking and consumer financial services regulatory compliance. I have significant experience working with consumer financial services companies, ranging from FinTech startups to established lenders operating in all 50 states, to ensure their compliance with changing state and federal laws and regulations, and to help expand business operations. My clients include national mortgage lenders and servicers, automotive and personal property finance companies, small loan companies, national and state banks, marketplace lenders, and other FinTech companies.I have particular experience assisting lenders and servicers with compliance with state and federal lending, licensing, and debt collection laws, such as the Truth in Lending Act (TILA), Fair Debt Collection Practices Act (FDCPA), Servicemembers Civil Relief Act (SCRA), Military Lending Act (MLA), Fair Credit Reporting Act (FCRA), Real Estate Settlement Procedures Act (RESPA), and equivalent state laws. I regularly represent clients in related federal and state examinations, investigations, and enforcement actions. I also represent national and regional lenders with unique state licensing issues raised by business expansion, including those raised by initial public offerings (IPOs), private stock offerings, and other transactions constituting a change in control of the lender under state law. In addition, I represent local state and federal bank clients in mergers and acquisitions, conducted related due diligence, and ensured required regulatory compliance and approval.For a detailed list of presentations, see
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