Michael Flynn
Of Counsel


Michael Flynn is a member of the Firm’s Commercial Finance Practice Group and Mortgage Banking Group, and Co-Chair of Buchalter’s Financial Services Regulatory Group, and its Title Insurance & Escrow Industry Group in the Los Angeles office. Mr. Flynn applies his unique background as the former Acting General Counsel of HUD, and the former General Counsel of PNC Mortgage and Flagstar Bank, to counsel clients on a variety of regulatory, mortgage, consumer financial services, FinTech and real estate matters, including:

Mortgage and consumer financial services regulatory – advising clients on federal and state legal requirements for originations and servicing, including licensing, TILA, RESPA, ECOA, HMDA, FCRA, TCPA, SCRA, MLA, and LO Comp, and state laws such as the California Financing Law, the California Homeowners Bill of Rights and the New York Financial Services Law.

Bank Regulatory, both state and federal.

Mortgage secondary market transactions – whole loan sales (bulk and flow) and Mortgage Servicing Rights sales, as well as broker and correspondent lender agreements.

Mortgage and consumer financial services contracts, including marketing services, with service providers and vendors for originators and servicers.

FinTech – product development, FinTech – bank partnerships, licensing, and FinTech vendor and service provider contracts.

Interactions with/responding to federal and state regulators and GSEs, including the CFPB, OCC, Fed, FDIC, FHFA, state regulators such as the California Department of Business Oversight and the New York Department of Financial Services, as well as GSEs (FHA, Freddie Mac, Fannie Mae, VA).

Due diligence in transactions/investments involving real estate, mortgage and consumer finance companies, including licensing surveys and analysis of compliance/risk/legal management oversight operations.

Title insurance matters in loan originations, servicing and claims.

Mr. Flynn is a fellow of the American College of Consumer Financial Services Lawyers, and the American College of Real Estate Lawyers. He is the Chair of the American College of Mortgage Attorney’s Residential & Regulatory Committee and serves on the Board of Governors for the Conference of Consumer Law. He is also a member of the Mortgage Bankers Association Legal Issues, Quality Assurance and Regulatory Compliance Committee and serves as the Vice Chair of the California Mortgage Bankers Association Legal Issues Committee.

Prior to joining Buchalter, Mr. Flynn was the Chair of the American Bar Association (ABA) Business Law Section Task Force on Litigation Reform and Rules Changes, and as a Member of the ABA Business Law Section Task Force on Federal Preemption of State Laws. Mr. Flynn was also Co-Chair of the ABA Business Law Section Subcommittee on In-House Litigation Management and the Chair of the ABA TIPS Section Title Insurance Litigation Committee where he served as Vice-Chair of the ABA TIPS Section Insurance Coverage Litigation Committee, and as a Member of the American Land Title Association Claims Committee.  Mr. Flynn is currently Chair of the American Bar Association Banking Law Subcommittee on Consumer and Retail Law.

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