Significant issues can arise during the three phases of the design and construction process. Effective planning, performance and completion are critical to the success of any construction project. So is informed counsel that addresses a variety of business issues, including mergers and acquisitions, environmental and regulatory compliance, labor and employment, and bankruptcy and tax matters. The Bradley Construction team has extensive industry knowledge and experience that allows us to...
Practice Expertise
- Banking and Financial Services
- Consumer Financial Protection Bureau (CFPB)
- Examinations and CIDs
Areas of Practice
- Banking and Financial Services
- Consumer Financial Protection Bureau (CFPB)
- Examinations and CIDs
- Litigation
- Manufactured Housing
- Payment Systems
- Payments
- Regulatory Compliance
- State Attorneys General and Regulators
- Student Loan Services View More
Profile
Jonathan Kolodziej represents all types of consumer financial service providers in regulatory compliance, examination and enforcement matters. Through this work, he has assisted bank and non-bank mortgage servicers, mortgage originators, debt collectors, depository institutions, credit card issuers, small dollar lenders, reverse mortgage companies, investment firms, and various industry trade associations.
Jonathan’s regulatory compliance practice centers around helping clients ensure that their operations are in compliance with applicable federal and state consumer financial laws. In this role, he helps clients assess the impact of new rules and regulations and adapt to changes in the regulatory environment. Jonathan is able to analyze and synthesize complex regulatory changes and then explain the legal and operational impact to business, compliance, and legal stakeholders. When assessing an entity’s compliance or beginning the implementation process for a regulatory change, he leads clients through gap analyses, risk assessments and targeted reviews. He routinely reviews and provides feedback on policy and procedure documents, form notices, and training modules. As necessary, Jonathan also helps develop and execute appropriately tailored remediation plans.
Jonathan understands and appreciates that, in a heightened regulatory environment, the ability to prove your compliance is often equally as important as actually being compliant. As such, when helping financial service providers structure their day-to-day operations, he makes sure that policies, procedures, training and oversight functions are in place and structured so that an entity can quickly and definitively demonstrate their compliance to state and federal regulators. During examinations and other reviews, Jonathan regularly assists with managing and drafting responses to supplemental requests, developing successful exam strategies, rebutting preliminary findings, and responding to allegations of legal violations. He has helped clients with examinations initiated by various state regulatory bodies, the Consumer Financial Protection Bureau (CFPB), the Multistate Mortgage Company (MMC), the Office of the Comptroller of the Currency (OCC), and the Department of Housing and Urban Development (HUD). Because of his familiarity with clients’ operational structures and applicable law, Jonathan is also able to assist with responding to complaints and allegations of regulatory violations made by borrowers, state attorneys general and other regulatory bodies.
As a result of his familiarity with various federal consumer financial laws and regulations, Jonathan has taught regulatory compliance issues at the Mortgage Bankers Association’s Schools of Mortgage Banking I and II. He is also a frequent speaker during webinars and trade association presentations on regulatory compliance issues.
Since 2021, Jonathan has taught Real Property Security as an adjunct professor at the University of Alabama School of Law in Tuscaloosa, Alabama.
Bar Admissions
- Alabama, 2012
Court Admissions
- Supreme Court of Alabama
- United States District Court, Northern District of Alabama
- United States District Court, Middle District of Alabama
- United States District Court, Southern District of Alabama
Education
- University of Alabama School of Law, J.D., 2012, Edward M. Friend Jr. Award; Order of the Barristers; Articles Editor, Alabama Law Review; Moot Court Board
- Villanova University, B.A., 2007, cum laude
Areas of Practice
- Banking and Financial Services
- Consumer Financial Protection Bureau (CFPB)
- Examinations and CIDs
- Litigation
- Manufactured Housing
- Payment Systems
- Payments
- Regulatory Compliance
- State Attorneys General and Regulators
- Student Loan Services
Professional Career
Articles
Blogs
Declassified
The Declassified blog offers commentary and insights on the latest class action suits, significant class action opinions, relevant changes to laws and rules, and important class action trends. Declassified covers topics ranging from significant Supreme Court and appellate court decisions regarding class certification requirements to proposed or enacted legislation, rules and regulations that impact class action litigation to key industry developments that may indirectly impact class action...
It Pays to Be Covered
Bradley's It Pays to Be Covered Blog discusses insurance law developments and industry trends in property and casualty insurance, including the growing cyber insurance market, coverage for drones, and blockchain exposures. We also address practical risk management strategies of interest to risk managers, legal staff, and corporate officers and directors responsible for property and casualty insurance policy portfolios, claims management, and resolution. Our attorneys provide insights based on...
The Law of Order
Bradley’s The Law of Order blog serves as a general parliamentary procedure resource, providing information about creation and revision of governing documents (constitutions, bylaws, or rules), application of Robert’s Rules of Order and other procedural authorities in a variety of contexts (such as nonprofits, political parties, homeowners associations, unions, churches, trade associations), and leadership of any type of organizational meeting. In an effort to make all things parliamentary more...
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