Robert is a founding partner in the firm's Maryland office. His practice includes assisting national and state banks, savings associations, credit unions, mortgage bankers and other licensed lenders in the development and maintenance of nationwide consumer finance programs; the creation of co-branded credit card arrangements; and the purchase and sale of credit card and other consumer loan portfolios.
Prior to founding Hudson Cook, Robert was a partner with Venable, Baetjer and Howard's Banking Group in Baltimore, Maryland. Robert was previously with Willkie Farr & Gallagher's Banking Department in Washington, D.C., and was also with Semmes, Bowen & Semmes' Banking Department in Baltimore, Maryland.
Robert is actively involved in a number of associations including Chairman of the Consumer Credit Committee of the Federal Reserve Board Consumer Advisory Council from 1995 to 1997; he was Chairman of the Subcommittee on Truth in Lending of the American Bar Association Business Law Section from 1993 to 1997; a Founding Member and current President of the American College of Consumer Financial Services Lawyers; a member of the Section Council, Business Law Section of the Maryland State Bar Association from 1988 to 1991; Chairman, Subcommittee on Consumer Credit, Business Law Section of the Maryland State Bar Association from 1985 to 89; and Chairman, Subcommittee of Financial Institution Regulation, Section on Business Law, Young Lawyers Division of the American Bar Association from 1988 to 1989. He is a member of both the American Bar Association and the Maryland State Bar Association.
Robert received his law degree in 1981 from Georgetown University Law Center where he was also a staff member for the American Criminal Law Review. Robert holds a Bachelor of Arts in English from Washington and Lee University.
Georgetown University Law Center, J.D., 1981.
American Criminal Law Review, staff member, 1979-81.
Washington and Lee University, B.A., English, 1975.
Chairman, Consumer Credit Committee of the Federal Reserve Board Consumer Advisory Council, 1995-1997.
Chairman, Subcommittee on Truth in Lending of the American Bar Association Business Law Section, 1993-1997.
Founding Member, American College of Consumer Financial Services Lawyers.
Member, Section Council, Business Law Section, Maryland State Bar Association, 1988-91.
Chairman, Subcommittee on Consumer Credit, Business Law Section, Maryland State Bar Association, 1985-89.
Chairman, Subcommittee of Financial Institution Regulation, Section on Business Law, Young Lawyers Division, American Bar Association, 1988-89.
Member, American Bar Association, Maryland State Bar Association.
Editor-in-Chief, HOUSELAW®, a monthly review of legal developments in consumer real estate finance.
Executive Enterprises Seminar on Rodash, RESPA and Real Estate Lending (May 1996, April and November 1995).
Quarterly Report. Conference on Consumer Finance Law (Summer, 1995). Article: "Truth in Lending Act Amendments of 1995."
Co-sponsor and Speaker: Sub-Prime Mortgage Lending and Auto Finance Conference, Co-sponsored by HOUSELAW and CARLAW® and the Conference on Consumer Finance Law, Dallas, February 1996.
AIC Conferences, Home Equity Securitization, February 1996. Speech: "Consumer Risks in Home Equity Securitizations."
Quarterly Report. Conference on Consumer Finance Law (Winter, 1994). Article: "Yield-Spread Premiums Come Under Attack."
Consumer Financial Services Law, Regulations and Compliance in the 1990's (Dallas, 1994, 1995). Speeches: "Truth in Lending Litigation Report" "Issues and Problems Regarding the Correction of Truth in Lending Errors" and "ARM Class Action Update."
National Credit Card Institute, Executive Enterprises (D.C., 1990, 1991, 1993, 1994). Panelist: Purchase and Sale of Credit Card Portfolios; Tiered Pricing; Service Agreements; Secured Cards.
Maryland Bankers Association, Annual Meeting (Annapolis, 1993). Speech: "Pitfalls for Home Equity Lenders."
Financial Managers Society, D.C. Chapter (D.C. 1993). Speech: "Truth in Savings Implementation."
OCC Outside Speakers Program, Office of the Comptroller of the Currency (D.C. 1991). Speech: "Purchase and Sale of Credit Card Portfolios."
Real Estate Mortgage Law and Finance Seminar, Oklahoma City University School of Law, Division of Continuing Legal Education (February, 1992). Presentation: "Update on ARM Litigation."
Quarterly Report. Conference on Consumer Finance Law (Winter, 1992). Article: "Adjustable Rate Mortgage Litigation--Potential Federal Causes of Action."
Maryland Mortgage Lenders Law Seminar, Maryland Institute for the Continuing Professional Education of Lawyers (Baltimore and College Park, 1989, 1991). Panelist: New Maryland Statute on Mortgage Lending.
Advising Financial Institutions Seminar, Maryland Institute for the Continuing Professional Education of Lawyers (Baltimore 1988, 1989, 1991, 1992, 1993, 1994). Panelist: Various consumer lending topics, including new federal home equity lending rules and RESPA.
Comprehensive Consumer Credit Course, Infocast (New York, 1990). Speech: "Advertising Requirements of Regulation Z."
WEB Eastern Regional Conference, WEB (D.C., 1990). Speech: "Legal Issues Regarding Participant Loans."
New Home Equity Lending Regulations, Consumer Bankers Association (D.C. 1989). Panelist: Proposed Revisions to Regulation Z.
Home Equity Loan Consumer Protection Act of 1988, Bank Administration Institute (D.C. 1989). Speech: "New Federal Laws and Regulations on Home Equity Lending."
The Home Equity Lender Protection Course, FERC Report (D.C., 1989). Speech: "Revising Home Equity Programs."
Home Equity Lending Conference Consumer Bankers Association (Atlanta, 1987). Panelist: Regulation Z and Home Equity Lending.