A creative and innovative thinker, Tom understands the unique needs and motivations of his banking and financial clients, and works hard to reach their end goals.


Tom brings experience in a wide variety of compliance, financial transactional and litigation matters. He has worked with banks and other financial institutions on product development and compliance management. He focuses on consumer finance, fair lending and FinTech. He helps clients navigate the complexities of federal and state law and regulation applicable to their operations, relationships and products.


Counseled bank about its online product offerings in connection with third-party FinTech relationships.

Advised bank about its point-of-sale loan offerings on various online merchant websites and apps.

Developed internal risk assessment, audit and monitoring program for financial institutions' consumer loan programs.

Collaborated to develop various state-licensed consumer loan products offered at storefront locations and online.

Guided financial institutions through various state and federal supervisory examinations, including consumer compliance and fair lending.

Drafted business plan to bring company's consumer operations into compliance with new CFPB rule.

Developed lender's policies for handling the bankruptcy aspects of loan origination, servicing, and collections.

Drafted public comment for industry participant on impact of new CFPB rule.

Represented association before legislative body regarding impacts of increased regulation on consumer loan industry.

Developed business requirements and guided company through implementation of new consumer reporting requirements for furnishers.

Conducted multi-state surveys of laws applicable to consumer lending.

Drafted and implemented adverse action and risk-based pricing notices required by ECOA and FCRA.

Drafted consumer-facing documents, including Truth-in-Lending disclosures and payment authorization forms.

News & Insights

Speaking Engagements

"Legal and Regulatory Update," Heartland Credit Union Association, August 2021

"Compliance Day Workshop," NEACH, August 2021

"Payments Legal Update," NEACH, February 2021

"CFPB Update," Missouri Consumer Finance Association, May 2019

"CFPB Update," Kansas Creditors Attorney Association, February 2019

"CFPB Update," Missouri Creditors Bar, Inc., October 2018

"CFPB Update," Missouri Consumer Finance Association, February 2018

"CFPB Update," Kansas Creditors Attorney Association, February 2018

"Recent CFPB Action," Wichita Bar Association, December 2017

"New CFPB Rules," Missouri Consumer Finance Association, February 2017

"CFPB Debt Collection Action," Kansas Creditors Attorney Association, February 2017

"New Products," Short-Term Loan Bar Association, November 2016



  • Kansas, 2014
  • Missouri, 2015


University of Kansas School of Law, J.D., 2014

  • Moot Court Council

University of Notre Dame, B.A., 2006

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