Kyle Owens

Partner at Bradley

Speaker

Kyle Owens helps clients in the financial services industry manage change, navigate risk, and solve problems. He advises banks, lenders, loan servicers, and securities firms regarding their legal obligations, and then he advocates for their interests when disputes arise. Because of his keen judgment and informed perspective, clients trust Kyle for the real-world advice they need to solve their problems.

His versatility allows him to perform a wide range of different roles and tasks effectively. From distilling complex regulatory requirements to providing contractual guidance to litigating and arbitrating consumer and commercial disputes, Kyle offers practical advice that both in-house counsel and business decision-makers will understand. It is a skill he has honed over an extensive law firm career and through his previous in-house experience.

Kyle has deep experience with financial laws and regulations, including the Truth in Lending Act/Regulation Z, the Real Estate Settlement Procedures Act, the Equal Credit Opportunity Act/Regulation B, the Fair Housing Act, the Fair Credit Reporting Act, the Expedited Funds Availability Act/Regulation CC, Regulation M, the Electronic Fund Transfer Act/Regulation E, E-SIGN, the Fair Debt Collection Practices Act, the Dodd-Frank Act’s prohibition on unfair, deceptive, or abusive acts and practices, the Telephone Consumer Protection Act, the Flood Disaster Protection Act, Regulation O, Regulation W, the Uniform Commercial Code, and various state equivalents. He also provides guidance regarding state licensing requirements.

Kyle enjoys digging into the most challenging problems, relentlessly analyzing the issues, and crafting workable solutions. He is able to communicate with and counsel people at all levels of a client’s organization and devise efficient, cost-effective strategies to meet his clients’ goals.

Practices

· Banking & Financial Services

· Regulatory Compliance - Banking & Financial Services

· Financial Services Litigation

· Financial Services Licensing

· Vendor Management

· Reverse Mortgages

· Auto Finance

· Commercial Lending

· Securities Broker-Dealer & Investment Advisory

· Bankruptcy & Creditors' Rights

· Real Estate Litigation

Education

· Harvard Law School, J.D., 2004

· University of Notre Dame, B.A., 2001

Licensed In

· Texas

Admitted In

· United States Court of Appeals, 5th Circuit

· United States District Court, Northern District of Texas

· United States District Court, Eastern District of Texas

· United States District Court, Southern District of Texas

· United States District Court, Western District of Texas

· United States District Court, District of Colorado

· United States District Court, Eastern District of Arkansas

· United States District Court, Western District of Arkansas

Accolades

· Listed in The Best Lawyers in America®, Commercial Litigation, 2023-2025

· Listed in D Magazine, “Best Lawyers in Dallas,” 2020-2025

· Listed in Texas Super Lawyers, “Rising Stars,” Business Litigation, 2019

· Martindale-Hubbell®AV Preeminent Rated

· Texas Bar Foundation, Fellow

Professional and Community Activities

· Mortgage Bankers Association

· DFW Financial Services Counsel Roundtable

· Notre Dame Law Association, Alumni Board Director, 2016-2020; Advisory Board Member, 2020-Present

· Harvard Club of Dallas

· Notre Dame Club of Dallas, Lawyer Committee Chair

· National Eagle Scout Association

· YMCA of Metropolitan Dallas, Board of Directors, 2015-2016; White Rock YMCA, Board of Management, 2008-Present; Board Chair, 2015-2016; Youth Basketball Coach

· Dallas Parochial League, Youth Basketball Coach

· Boy Scouts of America, Assistant Scoutmaster

Representative Experience

· Provide guidance to banks, credit unions, and mortgage lenders and servicers regarding interpretation and application of various legal and regulatory requirements.

· Advise lenders and depository institutions regarding new-product development, licensing, and entry into new geographic markets.

· Advise auto-finance lenders regarding risk management, servicing, lien preservation and release, credit reporting, and loss mitigation.

· Advise dental service organizations and practices regarding consumer-finance compliance.

· Draft, review, and negotiate agreements for financial institutions.

· Advise lenders regarding loan documents.

· Defend major mortgage-loan servicer in litigation matters in state and federal court.

· Defend banks in Fair Credit Reporting Act litigation.

· Represent commercial mortgage-backed securities (CMBS) special servicers in collection matters in state court, including pursuit of recourse claims against guarantors.

· Represent commercial lenders and servicers in foreclosure and receivership proceedings.

· Represent banks and bank-holding companies in opposing third-party subpoenas demanding sensitive information.

· Litigate and arbitrate disputes on behalf of brokerage firms in Texas state and federal courts and FINRA proceedings.

· Represent registered representatives in FINRA investigations.