Michael Flynn is Co-Chair of Buchalter’s Financial Services Regulatory Group, and its Consumer Financial Services and Mortgage Regulatory Industry Group. 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.
  • Small Business Administration (SBA) loans, procedures and requirements.
  • 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 received his J.D. from Duke University School of Law, where he was a William Neal Reynolds Scholar, and his B.A. from Indiana University, where he was a Metz Scholar.

  • Fellow, American College of Consumer Financial Services Lawyers
  • Fellow, American College of Real Estate Lawyers
  • Fellow, American College of Mortgage Attorneys
  • Member, Colorado Division of Real Estate Forms Committee
  • Member, Colorado Mortgage Lenders Association Legislative and Regulatory Affairs Committee
  • Chair, American College of Mortgage Attorney’s Residential & Regulatory Committee
  • Past-Chair, California Mortgage Bankers Association Legal Issues Committee
  • Past-Chair, American Bar Association Banking Law Subcommittee on Consumer and Retail Law
  • Past Co-Chair, California State Bar Financial Institutions Committee
  • Board of Governors, Conference of Consumer Law
  • Member, Mortgage Bankers Association Legal Issues, Quality Assurance and Regulatory Compliance
  • Former Chair, American Bar Association (ABA) Business Law Section Task Force on Litigation Reform and Rules Changes
  • Former Member, ABA Business Law Section Task Force on Federal Preemption of State Laws
  • Former Co-Chair, ABA Business Law Section Subcommittee on In-House Litigation Management
  • Former Chair, ABA TIPS Section Title Insurance Litigation Committee
  • Former Vice-Chair, ABA TIPS Section Insurance Coverage Litigation Committee
  • Former Member, American Land Title Association Claims Committee