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John ReVeal

Fax +1.202.778.9100

John ReVeal is a partner in the firm’s Washington, D.C. office and a member of the consumer financial services practice group. He concentrates his practice on bank regulation, consumer financial compliance, and Bank Secrecy Act and anti-money laundering matters.

Mr. ReVeal advises banking institutions and other financial services providers on consumer compliance law and regulation, including under the federal Truth in Lending Act, Real Estate Settlement Procedures Act, Equal Credit Opportunity Act, Fair Credit Reporting Act, Electronic Fund Transfers Act, Truth in Savings Act, Consumer Leasing Act, the Consumer Privacy Provisions of the Gramm-Leach Bliley Act, and state law equivalents of all of the foregoing. In addition, he advises bank and non-bank lenders on state interest and usury matters and assists clients in identifying lender licensing requirements and obtaining the necessary licenses. Mr. ReVeal also assists financial institutions in the review and development of Bank Secrecy Act and Anti-Money Laundering programs, and advises financial institutions regarding bank and thrift powers, federal preemption, and exportation of interest rates and charges. His experience includes development and implementation of enterprise-wide compliance management programs; enterprise-wide BSA./AML compliance programs; annual compliance and BSA/AML risk assessments; preparation for compliance examinations; and the development and review of policies and procedures with respect to consumer deposit, prepaid card programs, mortgage lending, credit card lending, retail lending, and other consumer lending.

Professional Background

Prior to joining K&L Gates, Mr. ReVeal was a partner at another international law firm. Prior to then, he was senior in-house consumer compliance counsel for a major federal savings association.

Additional Information

  • Harvard Law School-Berkeley Law Exchange Program, 1989-1990
  • Development and implementation of enterprise-wide compliance management program for a nationwide, large, complex banking organization.
  • Performance of annual compliance risk assessments.
  • Performance of annual BSA/AML and OFAC risk assessments.
  • Assisting banks and other financial institutions in preparation for compliance examinations.
  • Development and review of policies and procedures, including with respect to consumer deposit, mortgage lending and credit card lending compliance; and BSA/AML and OFAC compliance.
  • Advising lenders in the implementation of the qualified mortgage, ability to repay, and loan originator compensation rules.
  • Assisting banks, mortgage lenders and other consumer lenders in identifying applicable state licensing requirements in all 50 states.
  • Assisting banks and other financial institutions in responding to and addressing regulatory enforcement actions.