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Olivia Kelman

Fax +1.305.358.7095
Olivia Kelman focuses her practice on financial institutions and services litigation, compliance, and enforcement matters, with a concentration on fair and responsible lending. She has successfully litigated on behalf of clients in federal district and circuit courts, as well as in state trial and appellate courts. Olivia also defends investigations, examinations and enforcement actions by the Department of Housing and Urban Development, Consumer Financial Protection Bureau, Federal Reserve Board, Federal Deposit Insurance Corporation, Federal Trade Commission and various state regulators, including the Florida Office of Financial Regulation. Her experience includes matters arising under various federal laws, including the Equal Credit Opportunity Act, Fair Housing Act, Community Reinvestment Act, Home Mortgage Disclosure Act, Federal Trade Commission Act, Truth in Lending Act and Class Action Fairness Act. Olivia has represented clients large and small, including residential mortgage lenders, small-business lenders, banks, mortgage insurers, loan servicers, broker-dealers, real estate sales corporations and industry trade groups.

Professional Background

Prior to joining K&L Gates, Olivia was a judicial intern for the Hon. Frank A. Shepherd in the Florida Third District Court of Appeal, the Hon. United States District Judge Alan S. Gold in the Southern District of Florida, and the Hon. United States Magistrate Judge Edwin G. Torres in the Southern District of Florida. She was a legislative policy intern for Senator Edward M. Kennedy in Fall 2009 and an editor of Arché, the Undergraduate Journal of Philosophy at Boston University, in Spring 2009. 


  • Florida Super Lawyers® Rising Star, Super Lawyers Magazine, 2018
  • Florida Super Lawyers® Rising Star, Super Lawyers Magazine, 2017
  • Florida Super Lawyers® Rising Star, Super Lawyers Magazine, 2016
  • Order of the Coif
  • The Order of Barristers
  • Who’s Who Among Students in American Universities & Colleges, 2013

Professional/Civic Activities

  • Miami-Dade Florida Association for Women Lawyers
    • Chair, Elections Committee, 2016-2018
    • Co-Chair, Federal Court Liaison Committee, 2015-2016
    • Co-Chair, Elections Committee, 2015
    • Co-Chair, Installation Committee, 2015
  • The Women’s Fund Miami-Dade
    • Member, Grant Selection Committee, 2015
  • Member, Cyber Civil Rights Legal Project, 2014-present
  • Member, Florida Grand Opera, 2013-present
  • Member, Pérez Art Museum Miami,2015-present

Speaking Engagements

  • Panelist, “Reverse Engineering a Compliance Program from Consent Decrees, Enforcement Actions and More,” Wolters Kluwer, 2017 CRA & Fair Lending Colloquium, November 6, 2017
  • Panelist, “Compliance Essentials/CMCP: Fair Lending and Equal Opportunity Laws,” 2017 Mortgage Bankers Association (MBA) Regulatory Compliance Conference, September 17, 2017
  • Panelist, “Supreme Court Fair Lending Ruling Involving Big Banks,” Mortgage Bankers Association (MBA) Webinar, May 31, 2017
  • Panelist, “Compliance Essentials: Overview of Fair Lending and Equal Opportunity Compliance,” 2017 Mortgage Bankers Association (MBA) Legal Issues and Regulatory Compliance Conference, May 7, 2017
  • Panelist, “Fair Lending Essentials,” 2016 Mortgage Bankers Association (MBA) Legal Issues and Regulatory Compliance Conference, May 1, 2016
  • Speaker, “Ethical Governance Day at New World School of the Arts,” sponsored by the Miami-Dade Commission on Ethics and Public Trust, October 22, 2015, October 20, 2016, and October 19, 2017
  • Speaker, “The Resurgence of Redlining – The Hudson City Savings Bank Settlement and How to Manage Redlining Risk,” CLE program presented by K&L Gates, October 14, 2015
  • Speaker, “SCOTUS Disparate Impact Decision: The Supreme Court Recognizes but Limits Disparate Impact in its Fair Housing Act Decision,” CLE program presented by K&L Gates, July 1, 2015