Banco Popular de Puerto Rico

T. Robert Finlay is a partner at WrightFinlay & Zak.�

As a member and co-chair of the Consumer Financial Services litigation team, Mr. Crowley regularly represents lenders and financial institutions in a variety of consumer finance litigation matters in federal and state court, including disputes under TILA, RESPA and FDCPA, title and lien priority disputes, state law UDAP claims, eminent domain cases and a wide variety of common law claims. He is experienced with motions practice, oral argument, the discovery process, trial practice and post-trial work.Mr. Crowley also handles complex litigation matters in a wide variety of fields in federal and state courts and before administrative agencies. He regularly represents clients in litigation and disputes in various real estate fields, including acquisition, development, sales, leasing, and title insurance. Mr. Crowley has represented clients in many industries, as well as public agencies and municipal bodies, in disputes and other matters related to: commercial real estate and aircraft foreclosures and workouts commercial and construction contracts real estate development and title product liability real estate disputes commercial landlord – tenant issues shareholder disputes and corporate / partnership dissolutions insurance coverage issues relating to Errors & Omissions, Directors’ & Officers’ and Commercial General Liability policies unfair competition and non-compete agreements environmental liability and related issues municipal and governmental liability civil rights the False Claims Act professional liability construction defects consumer class actions.Mr. Crowley was named a Pennsylvania SuperLawyer for business litigation in 2013, 2014, 2015 and 2016.Representative MattersMr. Crowley has successfully counseled and represented clients in a wide variety of matters including: Major lenders, financial institutions and servicers in a wide variety of consumer finance litigation. Major institutional lenders in foreclosures and other actions to enforce rights under real property and aircraft mortgages. Lenders in disputes over lien priority and title insurance coverage issues. A public port authority in complex litigation with commercial tenants and competitors. A large, urban county in construction disputes, eminent domain proceedings, False Claims Act cases, administrative appeals, and other complex litigation matters. National title insurance companies in coverage disputes and against agents in major defalcation cases. A commercial partnership in a professional malpractice action against a prior law firm. A public waste water authority in construction disputes, environmental matters and permit enforcement cases. Major credit unions and a trade association in challenges by commercial bankers to community charter conversions. Real estate developers in challenges by community activists and objecting competitors. A public port authority in: (a) disputes with tenants over tenant’s obligations to indemnify and defend landlord for injuries on leased premises; (b) coverage disputes with insurers over coverage for injuries; and (c) premises liability cases where insurance is not applicable. A major national theater chain in successfully defending litigation brought by an owner/developer seeking $60,000,000 in an alleged breach of a development agreement and 30-year lease. A public housing authority in acquiring property through condemnation proceedings to construct new senior citizen housing. Developers attempting to void restrictive covenants limiting or preventing the re-development of former golf courses into residential projects. A condominium council in dispute with developer. A partner in a series of disputes involving the dissolution of family-owned partnerships specializing in residential development and construction. Minority partners in a real estate development partnership in claims against a general partner who gained unfair advantage in a sale of property for real estate development.Community Service & AffiliationsMr. Crowley is a recipient of the 1991 Human Rights Honors Award given by the Philadelphia Commission on Human Relations (for efforts to reduce racial tension in a city neighborhood); the 2007 Hispanic Heritage Teacher Award (for services to disadvantaged youth); the Support Center for Child Advocates 2009 Distinguished Advocate Award (for representation of children in foster care); and the 2009 Edwin P. Rome Award (for pro bono services). Mr. Crowley also is on the boards of several charitable organizations.

Andrew Pollock is a Senior Managing Director at Clayton Holdings.� Mr. Pollock is the Head of Consulting Services, which provides a wide array of consulting solutions to the mortgage banking industry.� Areas of specific expertise include all facets of mortgage origination channels (wholesale / retail / correspondent), risk management, quality control / asset quality, and compliance / regulatory risk.Mr. Pollock has detailed knowledge and experience in mortgage originations that have ensured a commitment to quality and a culture of discipline.� Understanding that loan performance and quality originations establishes profitability and industry recognized reputation.Prior to joining Clayton, Mr. Pollock was the President and CEO of WDB Funding, a nationwide private lending firm specializing in fix & flip, multi-family and small apartment buildings.� WDB Funding was a start-up business venture that grew to one of the private lending industry recognized leaders.� Mr. Pollock was responsible for executive management and strategic direction of all lending directives, originations, operations, and funding fulfillment. �Before joining WDB Funding, Mr. Pollock was Co-CEO of Rushmore Loan Management, a nationwide full-service mortgage banking firm. ��Through a merger and acquisition of Icon Residential, Mr. Pollock was tasked with turning around an under-performing wholesale / correspondent originator, and orchestrating the acquisition / integration into Rushmore Loan Management.Mr. Pollock’s previous positions include his role as President and Chief Administrative Officer of First California Mortgage Company, a full service retail, wholesale and correspondent mortgage banking firm.� Prior to that, he was the Managing Partner of Global Logic Advisors, LLC, a management consulting company that focused on the financial services industry. �Direct responsibilities at Global Logic included management of consulting engagements, business development, and strategic planning.� Engagements included origination channel development, credit / risk administration and loan administration.Before that Mr. Pollock had a 20 year career as President and Chief Executive Officer of First Franklin (Merrill Lynch).� Primary responsibilities were overseeing all day-to-day operations while providing leadership in strategy and execution. �Under Mr. Pollock’s leadership, originations peaked at $3.0 billion per month through the retail, wholesale and correspondent channels.

Phillip Long is CEO at Business Information Solutions, a full-service IT support company specializing in comprehensive IT solutions to businesses on the Gulf Coast.�Business Information Solutions is a division of BIS Technology Group.

Alec Cheung oversees product management, marketing communications and public relations for Cincinnati-based eLynx, a leader in on-demand, Web-based services for secure, paperless, document collaboration and distribution. He can be reached at acheung@elynx.com.

Wesley Blair is senior vice president of Brookline Bank, a full-service community bank headquartered in Boston, MA. He is also the 2016 President of the New England Chapter of the Community Associations Institute.

Collin Harbour is the vice president of business development at Dallas-based DIMONT, a specialty insurance and loan administration services provider for the residential and commercial financial industries in the United States.�

Paul H. Kupiec is a resident scholar at the American Enterprise Institute. He has also been a director of the Center for Financial Research at the Federal Deposit Insurance Corp. and chairman of the research task force of the Basel Committee on Banking Supervision.

Donna Quisenberry is principal of Q2 Database Consulting Services and operates www.ProAssistMarketing.com.�ProAssist Marketing is a ready-to-go solution for you that incorporates the unique and relevant, done-for-you monthly client and Realtor articles into an automated drip system for you. Donna can be reached at donnaquisenberry@sbcglobal.net.

Michael Fratantoni is the Mortgage Bankers Association's chief economist and senior vice president of research and industry technology.