Tobias P. Moon
Professional Bio
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.