Mr. Kaplan concentrates his practice in transactional and regulatory compliance matters related to consumer financial products.  His practice includes:

• Advising clients on (i) compliance with federal and state laws governing the licensing and practices of financial institutions, including mortgage lenders, consumer finance companies, loan servicers, and prepaid card issuers, and (ii) the federal preemption of state laws regulating financial products; 
• Acting as regulatory counsel in connection with investments or acquisitions related to mortgage loans, consumer loans and other consumer financial products;
• Performing specialized regulatory compliance due diligence;
• Assisting with structuring operations and developing compliance and due diligence programs; and
• Assisting in administrative enforcement actions and litigation involving regulatory compliance matters.

Mr. Kaplan is a frequent lecturer at seminars and conferences sponsored by the Mortgage Bankers Association of America, America's Community Bankers and other industry-related groups on various legal issues relating to consumer financial products.  He has also written articles on various issues relating to consumer financial products, including the Real Estate Settlement Procedures Act and state mortgage finance regulatory compliance issues.

Prepaid Card Experience
Mr. Kaplan has advised issuers of prepaid cards on a range of regulatory subjects, including:

• State and federal gift card laws;
• Money transmitter licensing requirements; and
• The Bank Secrecy Act and state money laundering requirements.

He has also helped develop prepaid program terms and negotiate agreements with processors and sellers. 

Board of Governors, Mortgage Bankers Association of Metropolitan Washington, former member