About Joseph

Joseph Gabai's practice focuses on the representation of banks, savings associations, mortgage banking companies, finance companies, and their holding companies and affiliates. He has special expertise in the regulatory area. Mr. Gabai regularly represents clients facing issues with the Truth In Lending Act, Real Estate Settlement Procedures Act, Home Mortgage Disclosure Act, Community Reinvestment Act, Electronic Fund Transfer Act, Fair Credit Reporting Act, Fair Debt Collection Practices Act, Truth in Savings Act, Equal Credit Opportunity Act, Homeowners Protection Act, National Bank Act, Home Owners' Loan Act, Federal Deposit Insurance Act, state lender licensing laws, state retail installment sales acts, and federal and state privacy laws. Mr. Gabai also advises clients regarding recent amendments to Regulation Z and Regulation X, California foreclosure laws, the S.A.F.E. Mortgage Licensing Act of 2008, information sharing under the Fair Credit Reporting Act and Graham-Leach-Bliley Act, and the federal Home Affordable Modification Program. He also assists clients with respect to security breaches, and advises bank clients with respect to restructuring options. Much of Mr. Gabai's time is spent on strategic planning issues, regulatory developments, retail banking issues, and in negotiations with the federal and state banking agencies on behalf of financial institution clients. He also has worked with financial institution clients and their lobbyists in connection with the drafting of legislation and regulations on both the federal and state levels. Mr. Gabai is a fellow of the American College of Consumer Financial Services Lawyers. While attending Pennsylvania State University, Mr. Gabai was named an Evan Pugh Scholar.

Practice Areas

Education

• University of Pennsylvania, J.D., graduated 1976

Bar Admissions

• California, The State Bar of California

Languages