John L. Culhane, Jr.

John L. Culhane, Jr., is a partner in the Business and Finance Department and a member of the Consumer Financial Services and Higher Education Groups. His practice emphasizes advising on interstate direct and indirect consumer and residential mortgage loan and leasing programs, through both traditional brick-and-mortar facilities and e-commerce. Before joining Ballard Spahr, Mr. Culhane was associate counsel with Mellon Bank, N.A.; associate counsel with Bank of America NT&SA; and senior attorney (section chief) with the National Credit Union Administration, the federal agency regulating federal credit unions.

In his practice, Mr. Culhane addresses issues involving licensing, advertising and marketing, application processing, privacy, disclosure, pricing, substantive terms, servicing, collection, portfolio sales, and securitization. His clients have ranged from a multibillion-dollar bank holding company, to one of the nation's largest residential mortgage lenders, to a leading provider of financial institution forms and documentation.

Professional Activities

American Bar Association
Member, Consumer Financial Services Committee; former Chair, Subcommittee on Fair Access to Services; former Chair, Task Force on Lender Liability Limitation Amendments to State Statutes of Fraud; former Editor, Annual Survey of Consumer Financial Services Law

Pennsylvania Bar Association

American College of Consumer Financial Services Lawyers, charter member

Recognition & Accomplishments

Mr. Culhane is one of only two Pennsylvania lawyers elected as a charter member of the American College of Consumer Finance Lawyers.

Publications

Mr. Culhane has published articles in ABA Bank Compliance, BNA Lender Liability Report, The Business Lawyer, CFI Compliance News, Commercial Lending Review, and HOUSELAW. He recently updated the chapters "Open-End and Home Equity Line of Credit Disclosures" and "Billing Error Resolution" for the American Bar Association's publication The Law of Truth in Lending.

Speaking Engagements

Most recently, Mr. Culhane spoke on military lending issues arising from Section 670 of the John Warner National Defense Authorization Act for Fiscal Year 2007, at a teleconference of the Legal Committee of the National Council of Higher Education Loan Programs. In addition, he has spoken at seminars sponsored by:

American Bar Association
American Conference Institute
American Institute of Banking (Central Pennsylvania Chapter)
Bank Marketing Association (Philadelphia Chapter)
California Bankers Association
Consumer Banking Association
Consumer Lending Society Insured Savings Institutions
Credit Union National Association
Delaware Valley Chapter #91 Institute of Financial Education
Financial Managers Society, Inc. (Philadelphia Chapter)
Infocast Inc.
Institute for International Research
Lorman Educational Services
National Association of Consumer Agency Administrators
Pennsylvania Bankers Association
Pennsylvania Bar Institute
Pennsylvania Institute of Certified Public Accountants (Greater Philadelphia Chapter)
Practising Law Institute (PLI)
Source Media

University of Virginia School of Law (J.D. 1978)

University of Notre Dame (B.A. 1973, magna cum laude)

California 1983

Pennsylvania 1988

Virginia 1978