Tom is a partner in the firm's Massachusetts office. He has significant experience advising community, regional and national banking institutions on the development, maintenance and documentation of consumer deposit products, consumer electronic banking services and a wide variety of consumer credit products (including residential mortgages, home equity loans/lines of credit, personal loans/lines of credit, credit cards, student loans, and retail installment sales transactions of motor vehicles and other goods and services). Tom also regularly advises both banks and service providers on marketing and advertising matters, privacy and data security issues (including breach notification requirements) and non-depository institutions on matters related to the state licensing requirements for lenders, loan brokers, loan servicers, credit service organizations, money transmitters and debt collectors.
Tom has served as an adjunct professor at the Roger Williams University School of Law, lecturing on consumer law and consumer protection issues.
Tom was a partner with Pierce Atwood LLP's Banking & Financial Services Practice Group and was Partner-in-Charge of the firm's Boston office. He was Corporate Counsel to Citizens Bank and was also employed by BankBoston.
Tom is a member of the American Bar Association's Business Law Section, Consumer Financial Services Subcommittee and is admitted to practice in Massachusetts.
Tom received his law degree in 1994 from Case Western Reserve University School of Law and his Bachelor of Arts, magna cum laude, from Fairfield University.