Eamonn K. Moran

Eamonn Moran is a financial services attorney in Holland & Knight's Washington, D.C., office. Mr. Moran leverages his experience as a former counsel in the Office of Regulations at the Consumer Financial Protection Bureau (CFPB) to guide clients in complying with state and federal consumer protection laws and regulations.

Mr. Moran helps lenders, financial technology (FinTech) and regulatory technology (RegTech) companies, marketplace lending platforms, payments companies and systems, card issuers and networks, banks, investors and other financial services providers navigate issues arising under state and federal financial services laws. At the heart of his work is regulatory compliance. He leverages his experience at the CFPB to assist clients in their engagements with federal and state regulators, including with respect to Unfair, Deceptive, or Abusive Acts or Practices (UDAAP) risk and state licensing issues.

Mr. Moran's FinTech practice constantly evolves and grows as clients adopt new technologies and pursue innovative business lines. He provides extensive and cutting-edge regulatory legal services for innovative companies across the FinTech and financial services industries. He has in-depth experience helping clients with innovative financial platforms and products that comply with existing law, including in the Buy Now, Pay Later (BNPL) and earned wage access (EWA) product sectors. Mr. Moran also helps innovative companies adapt and thrive in the evolving payments space. He has extensive experience handling the regulatory aspects of a broad range of payment services and technologies, spanning traditional systems and cutting-edge payments products.

In addition, Mr. Moran counsels clients on all aspects of payments law and related regulatory matters, including on instant payments, debit card interchange, money transmission and consumer protection. He also has handled matters involving mobile banking, mobile payments, mobile wallet products and bank-FinTech partnerships, including marketplace lending, banking as a service (BaaS) and software as a service (SaaS) offerings. Additionally, Mr. Moran advises on novel issues connected to blockchain, digital assets, artificial intelligence (AI) and big data. He has crafted pragmatic, business-minded legal solutions to complex issues at the intersection of payments technology and financial regulation.

Mr. Moran is a frequent speaker on consumer financial services and FinTech topics and is often called on by the national media for commentary regarding the CFPB, state regulators and developments in consumer financial services and FinTech.

Prior to joining Holland & Knight, Mr. Moran was a financial services attorney for a global law firm in its Washington, D.C., office.

Early Career Background

As counsel at the CFPB, Mr. Moran played a key role in developing and drafting multiple mortgage originations related rulemakings. He was substantially involved in the CFPB's Truth in Lending Act (TILA)-Real Estate Settlement Procedures Act (RESPA) Integrated Disclosure (TRID/Know Before You Owe) rulemaking, and the Ability-to-Repay and Qualified Mortgage rulemakings. Mr. Moran worked on various CFPB implementation efforts regarding the Dodd-Frank Act Title XIV rulemakings. He also handled guidance for industry and other CFPB offices on legal and regulatory issues arising under TILA, Home Mortgage Disclosure Act (HMDA), Electronic Fund Transfer Act (EFTA), Fair Credit Reporting Act (FCRA) and RESPA. He was also a member of the CFPB's Small Dollar Lending Working Group.

Prior to joining the CFPB, Mr. Moran spent several years in various roles with the federal government addressing and responding to the financial crisis. He served as a senior attorney advisor at the U.S. Department of the Treasury, where he worked in the Office of the Special Inspector General for the Troubled Asset Relief Program (SIGTARP). In this role, he served as a member of SIGTARP's Office of Chief Counsel and SIGTARP's reporting team, the latter of which was charged with reporting comprehensive information about the agency's investigations and oversight to Congress on a quarterly basis.

Before joining the Treasury Department, Mr. Moran was a counsel for the Congressional Oversight Panel (COP) for the Troubled Asset Relief Program (TARP), a bipartisan panel within the U.S. Senate that was chaired by Sen. Elizabeth Warren (D-Mass.). Mr. Moran began his career as a real estate finance associate at a New York City law firm, and as a research associate at the Center for Banking and Finance at the University of North Carolina at Chapel Hill School of Law.