Robert Maddox

Robert Maddox

Partner

Expertise

  • Banking and Financial Services
  • Approval, Compliance and Enforcement Support for HUD, FHA and GNMA Matters
  • Bankruptcy Compliance and Consumer Bankruptcy Litigation

WSG Practice Industries

Activity

Bradley Arant Boult Cummings LLP
Alabama, U.S.A.

WSG Leadership

WSG Coronavirus Task Force Group
Member
Profile

In the past decade, Robert Maddox handled more national/multi-state state attorneys general investigations and related consent judgments than any attorney in the United States.

His work involves representing clients before the CFPB, DOJ, OCC, FRB, HUD, SEC and multiple state regulatory agencies, including banking, finance and insurance agencies.

With Bradley’s national competitive fee advantage, he continued the firm’s representation post-consent judgment on most matters to handle redress of business systems, internal and external reporting, and account remediation – and still provides board training, compliance, and litigation representation to many of those same clients.

Robert stands behind his work product and advice and supports clients through challenging times and then celebrates their business successes.

Crisis Management: Every crisis is relative – relative to a company’s history, reputation, current PR environment and regulatory/litigation burden. Reputational matters may have de minimis financial impact but may be more important than multibillion-dollar negotiations. Robert handles both extremes and works with management and legal to be part of many crisis management team solutions.

Once selected to support and suggest strategy to a business in crisis, and then work through the internal pressure, external inquiry, sunrise telephone conferences, late night meetings, 24-hour sessions, regulatory/investor data demands and evolving PR strategies, Robert forms professional bonds and friendships that, thus far, have lasted a lifetime.

Negotiations: From complex commercial real estate transactions to regulatory examinations, Robert’s working philosophy is focused on education and overcoming any potential preconceived judgments and misperceptions held by the counterparty. This approach requires a diligence in understanding the client’s business and approach to the transaction/issue, then turning to the counterparty with the goal to educate, listen and negotiate a resolution.

Investigations and Fraud Matters: Constructing an investigation protocol, strategy and interim reporting, while being engaged with only limited facts or employee/whistleblower allegations, requires experience and an appreciation of knowing you are already in a professional minefield. The situation is equally challenging in handling a client’s mater where there is a suspicion or allegation of fraudulent behavior. Robert is a Certified Fraud Examiner (CFE) who works on both of these types of matters. These are his professional favorites as they are complex, multi-dimensional, real life puzzles that may include internal/external reporting, criminal referral, regulatory or congressional inquiry, and civil litigation.

Consumer Financial Services Compliance and Litigation: His representation of clients is both trial practice and compliance, which leads him to trial and appellate courts in every state/district from Florida to California, and from Washington to Washington, D.C. These cases usually involve multiple causes of action, including TILA, HOEPA, FDCPA, FCRA, RESPA, RICO, predatory lending, mortgage-related fees and services, insurance packing and state deceptive trade practice laws. He is fortunate to be one of a handful of attorneys in the nation who is a Certified Mortgage Banker (CMB), and he utilizes that business background to assist in resolving both regulatory inquiries and litigation matters.

Commercial Real Estate and the Mortgage Industry: Robert litigates most facets of the commercial real estate and mortgage industry, including origination, warehouse lending, pooling and servicing agreements, loan repurchase disputes, investor disputes, secondary market representations and warranties, servicing matters, commercial mortgages, settlement services issues and mortgage fraud. These matters are in various contexts, including pre-litigation complaints by investor and/or borrowers, state agencies and consumer advocacy groups, class action, consumer litigation, and bankruptcy, as well as representing the investor/servicer as plaintiff in seeking recovery for fraud, title insurance coverage, repurchase and contract/commercial disputes.

Robert is a regular speaker at national real estate programs and financial services industry conferences. He is a teacher with the Mortgage Bankers Association (MBA) as a Faculty Fellow on Real Estate Law and Regulatory Compliance at the School of Mortgage Banking (SOMB), Predatory Lending and Mortgage Fraud at the Regulatory Compliance Institute, and Servicing at the State and Local Litigation Conference.

Robert is an adjunct professor at the Cumberland School of Law, where he teaches Real Estate Transfer, Finance and Development and previously taught State Constitutional Law. He also was an adjunct professor at the University of Alabama School of Law from 2001 to 2006 and taught both graduate and undergraduate courses on American, Legal, and Constitutional history at the University of Alabama at Birmingham from 1998 to 2007.

Bar Admissions

  • Alabama, 2000
  • District of Columbia, 2006
  • Georgia, 2004
  • New York, 2009
  • Oklahoma, 2011
  • Tennessee, 2006
  • Texas, 2007

Court Admissions
  • United States Court of Appeals, 5th Circuit

Education

  • Cumberland School of Law at Samford University, J.D., 2000
  • University of Alabama at Birmingham, M.A., 1997
  • University of Alabama at Birmingham, B.A., 1996
  • University of Alabama at Birmingham, B.A., 1995
Areas of Practice

Approval, Compliance and Enforcement Support for HUD, FHA and GNMA Matters | Banking and Financial Services | Bankruptcy Compliance and Consumer Bankruptcy Litigation | Broker-Dealer and Investment Adviser | Class Actions | Consumer Financial Protection Bureau (CFPB) | Credit and Retail Services | Examinations and CIDs | Financial Services Litigation | Financial Services Litigaton | Government Enforcement and Investigations | Real Estate Litigation | Regulatory Compliance | State Attorneys General and Regulators | Title Insurance Claims and Title Defect Curative

Professional Career

Significant Accomplishments

Robert represents financial institutions and mortgage companies across the United States. He has handled matters both at the pre-litigation and initial Complaint filing phase as well as being employed during discovery, to depose expert witnesses and at the pre-trial phase to assist the current counsel. On the compliance side, Robert has worked with both legal and business managers for multiple clients to draft and outline procedures in response to pending or new legislation.
Blogs

BuildSmart
Bradley Arant Boult Cummings LLP 

Significant issues can arise during the three phases of the design and construction process. Effective planning, performance and completion are critical to the success of any construction project. So is informed counsel that addresses a variety of business issues, including mergers and...

Declassified
Bradley Arant Boult Cummings LLP 

The Declassified blog offers commentary and insights on the latest class action suits, significant class action opinions, relevant changes to laws and rules, and important class action trends. Declassified covers topics ranging from significant Supreme Court and appellate court decisions regarding...

It Pays to Be Covered
Bradley Arant Boult Cummings LLP 

Bradley's It Pays to Be Covered Blog discusses insurance law developments and industry trends in property and casualty insurance, including the growing cyber insurance market, coverage for drones, and blockchain exposures. We also address practical risk management strategies of interest to risk...

Patent 213
Bradley Arant Boult Cummings LLP 

Patent law, like most things in life, is subject to change. Changes to patent laws not only impact investment in your existing IP, but directly shape strategies to protect your freedom to operate. The Patent 213 blog provides up-to-date, insightful analysis of the evolution in the written...

The Law of Order
Bradley Arant Boult Cummings LLP 

Bradley’s The Law of Order blog serves as a general parliamentary procedure resource, providing information about creation and revision of governing documents (constitutions, bylaws, or rules), application of Robert’s Rules of Order and other procedural authorities in a variety of contexts (such as...

Underwritten
Bradley Arant Boult Cummings LLP 

Underwritten covers topics related to life, health, disability and long-term care insurance. Our team of experienced attorneys and authors offers insight on the issues insurers face as they seek to serve their policyholders and to mitigate risk. The blog covers significant court decisions,...