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.
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
© Bradley Arant Boult Cummings LLP, 2021