John L. Culhane, Jr.

John L. Culhane, Jr., is known for his work advising on interstate direct and indirect consumer and residential mortgage loan and leasing programs, through both traditional brick-and-mortar facilities and e-commerce. Before joining Ballard Spahr, Mr. Culhane was associate counsel with Mellon Bank, N.A.; associate counsel with Bank of America NT&SA; and senior attorney (section chief) with the National Credit Union Administration, the federal agency regulating federal credit unions.

Mr. Culhane addresses issues involving licensing, advertising and marketing, application processing, privacy, disclosure, pricing, substantive terms, servicing, collection, portfolio sales, and securitization. His clients have ranged from a multibillion-dollar bank holding company, to one of the nation's largest residential mortgage lenders, to a leading provider of financial institution forms and documentation. Mr. Culhane is a member of the firm's Collection Documentation and Fair Lending Task Forces.

Professional Activities

American Bar Association
Member, Consumer Financial Services Committee; former Chair, Subcommittee on Fair Access to Services; former Chair, Task Force on Lender Liability Limitation Amendments to State Statutes of Fraud; former Editor, Annual Survey of Consumer Financial Services Law

Pennsylvania Bar Association

American College of Consumer Financial Services Lawyers, charter member

Recognition & Accomplishments

Mr. Culhane is one of only two Pennsylvania lawyers elected as a charter member of the American College of Consumer Finance Lawyers.

Publications

Mr. Culhane has published articles in ABA Bank Compliance, BNA Lender Liability Report, The Business Lawyer, CFI Compliance News, Commercial Lending Review, and HOUSELAW. He recently updated the chapters "Open-End and Home Equity Line of Credit Disclosures" and "Billing Error Resolution" for the American Bar Association's publication The Law of Truth in Lending.

Co-author, "The Problem with the DOJ's Case against GFI Mortgage," Law360, April 10, 2012 

Speaking Engagements

Most recently, Mr. Culhane spoke on the Mortgage Reform and Anti-Predatory Lending Act, Title XIV of the Dodd-Frank Wall Street Reform and Consumer Protection Act, at a conference sponsored by the Pennsylvania Bar Institute. In addition, he has spoken at seminars sponsored by:

American Bar Association
American Conference Institute
American Institute of Banking (Central Pennsylvania Chapter)
Bank Marketing Association (Philadelphia Chapter)
California Bankers Association
Consumer Banking Association
Consumer Lending Society Insured Savings Institutions
Credit Union National Association
Delaware Valley Chapter #91 Institute of Financial Education
Financial Managers Society, Inc. (Philadelphia Chapter)
Infocast Inc.
Institute for International Research
Lorman Educational Services
National Association of Consumer Agency Administrators
Pennsylvania Bankers Association
Pennsylvania Institute of Certified Public Accountants (Greater Philadelphia Chapter)
Practising Law Institute (PLI)
Source Media

University of Virginia School of Law (J.D. 1978)

University of Notre Dame (B.A. 1973, magna cum laude)

California

Pennsylvania

Virginia