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Bradley Arant Boult Cummings LLP

Jonathan R. Kolodziej

Jonathan R. Kolodziej



  • Banking and Financial Services
  • Consumer Financial Protection Bureau (CFPB)
  • Examinations and CIDs

WSG Practice Industries



Jonathan Kolodziej represents all types of consumer financial service providers in regulatory compliance, examination and enforcement matters. Through this work, he has assisted bank and non-bank mortgage servicers, mortgage originators, debt collectors, depository institutions, credit card issuers, small dollar lenders, reverse mortgage companies, investment firms, and various industry trade associations.

Jonathan’s regulatory compliance practice centers around helping clients ensure that their operations are in compliance with applicable federal and state consumer financial laws. In this role, he helps clients assess the impact of new rules and regulations and adapt to changes in the regulatory environment. Jonathan is able to analyze and synthesize complex regulatory changes and then explain the legal and operational impact to business, compliance, and legal stakeholders. When assessing an entity’s compliance or beginning the implementation process for a regulatory change, he leads clients through gap analyses, risk assessments and targeted reviews. He routinely reviews and provides feedback on policy and procedure documents, form notices, and training modules. As necessary, Jonathan also helps develop and execute appropriately tailored remediation plans.

Jonathan understands and appreciates that, in a heightened regulatory environment, the ability to prove your compliance is often equally as important as actually being compliant. As such, when helping financial service providers structure their day-to-day operations, he makes sure that policies, procedures, training and oversight functions are in place and structured so that an entity can quickly and definitively demonstrate their compliance to state and federal regulators. During examinations and other reviews, Jonathan regularly assists with managing and drafting responses to supplemental requests, developing successful exam strategies, rebutting preliminary findings, and responding to allegations of legal violations. He has helped clients with examinations initiated by various state regulatory bodies, the Consumer Financial Protection Bureau (CFPB), the Multistate Mortgage Company (MMC), the Office of the Comptroller of the Currency (OCC), and the Department of Housing and Urban Development (HUD). Because of his familiarity with clients’ operational structures and applicable law, Jonathan is also able to assist with responding to complaints and allegations of regulatory violations made by borrowers, state attorneys general and other regulatory bodies.

As a result of his familiarity with various federal consumer financial laws and regulations, Jonathan has taught regulatory compliance issues at the Mortgage Bankers Association’s Schools of Mortgage Banking I and II. He is also a frequent speaker during webinars and trade association presentations on regulatory compliance issues.

Bar Admissions

  • Alabama, 2012

Court Admissions
  • Supreme Court of Alabama
  • United States District Court, Northern District of Alabama
  • United States District Court, Middle District of Alabama
  • United States District Court, Southern District of Alabama


  • University of Alabama School of Law, J.D., 2012, Edward M. Friend Jr. Award; Order of the Barristers; Articles Editor, Alabama Law Review; Moot Court Board
  • Villanova University, B.A., 2007, cum laude
Areas of Practice

Banking and Financial Services | Consumer Financial Protection Bureau (CFPB) | Examinations and CIDs | Litigation | Manufactured Housing | Payment Systems | Payments | Regulatory Compliance | State Attorneys General and Regulators | Student Loan Services

Professional Career

Significant Accomplishments


Electronic Communications: CFPB Debt Collection Rule Working Session 3 Webinar Recording
Bradley Arant Boult Cummings LLP, November 2020

The debt collection restrictions and requirements in the FDCPA, which was enacted in 1977, have failed to keep up with or even contemplate modern technologies. In particular, as methods and forms of communication have evolved, the industry has had little guidance on how it can utilize newer communication channels such as emails, text messages, or social media. In many cases, the industry has had to grapple with different and often conflicting court interpretations...

CFPB Speaks: Expectations for Servicers in the Age of COVID-19 Webinar Recording
Bradley Arant Boult Cummings LLP, October 2020

Join us for a special opportunity to hear directly from the CFPB about mortgage servicing in the COVID-19 era. On October 14 from 2:00-3:00 p.m. ET, Bradley hosted a Q&A session with Allison Brown of the CFPB's Office of Supervision Policy to discuss the CFPB’s supervisory expectations as the industry grapples with CARES implementation and other challenges arising from the coronavirus crisis...


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