Tobias P. Moon

Tobias Moon is a partner in Chapman's Bank Corporate Group and a member of the Banking and Financial Services Department. He counsels financial services companies, from startups to the country’s largest financial institutions, on consumer and commercial lending, regulatory, compliance, and product innovation issues. He also evaluates marketing and disclosure regimes for Unfair, Deceptive or Abusive Acts or Practices (UDAAP) risks, analyzes state licensing considerations and interfaces with state regulators and government agencies on behalf of national financial services companies.

Tobias advises depository institutions—national and state-chartered banks and credit unions—on building, reviewing, and auditing compliance management systems to minimize compliance risks associated with various consumer and commercial financial products including mortgage, automotive, personal loans in addition to equipment finance loans and leases and loans secured by commercial real estate. He also advises nondepository mortgage brokers, lenders and servicers and automobile lenders on similar concerns.

In emerging technologies and innovative product delivery, Tobias has extensive experience helping fintechs, marketplace lenders, mortgage fintechs, online and small dollar lenders establish compliance management systems and addressing the myriad regulatory issues impacting design and delivery of new financial services products.