Michael M. Aphibal, Associate

Michael M. Aphibal is an associate and works on regulatory issues affecting financial institutions, including banks and insurance agencies. Mr. Aphibal primarily focuses on various aspects of bank-insurance products and marketing programs, including Federal and state requirements regarding compliance management systems, financial privacy, insurance licensing, employee compensation, debt protection programs, telemarketing, and email marketing. Mr. Aphibal also assists businesses and other organizations obtain state corporate and limited liability company registrations and trademark protections.

Prior to joining the firm, Mr. Aphibal interned at the Financial Industry Regulatory Authority (FINRA) in its office of Non-Disciplinary Litigation.

Education
Georgetown University Law Center, L.L.M. in Securities and Financial Regulation, with distinction
American University, J.D., cum laude
Colgate University, A.B.

Bar Admissions
New York
District of Columbia

CFPB Releases Spring 2017 Rulemaking Agenda

The CFPB announced the publication its Spring 2017 rulemaking agenda.

Hot Topic: CFPB Cannot Regulate Optional Insurance Sales

Dodd-Frank limits the CFPB's jurisdiction over insurance. Though the CFPB can exercise some authority over insurance activities, their reach should not extend to optional sales by banks.

Hot Topic: A Survey of CFPB's UDAAP Actions

This summary of each enforcement action by the CFPB can help companies avoid UDAAP violations.