Thomas J. Noto

Thomas Noto’s practice focuses on regulatory and enforcement matters related to financial services. Mr. Noto has broad knowledge of the many issues affecting mortgage lenders and mortgage services in the current fast-changing environment, including the mortgage regulations that have flowed from the Dodd-Frank Act. He also represents clients facing fair lending issues. Prior to joining Morrison & Foerster, Mr. Noto was an Associate General Counsel at Bank of America responsible for legal support to Bank of America Home Loans. He had broad responsibilities relating to mortgage and home equity lending, as well as fair lending and neighborhood lending. Early in his career, he served for five years as a staff attorney at the Federal Reserve Board's Division of Consumer and Community Affairs where he was responsible for regulations under the Truth in Lending, Equal Credit Opportunity, Home Mortgage Disclosure, Electronic Fund Transfers and Expedited Funds Availability Acts. Following his tenure as a partner in a private law firm, in 2002 he served as General Counsel for several mortgage lenders, including Ameriquest Mortgage. He is a frequent speaker on regulatory compliance and enforcement issues. Mr. Noto received his J.D. from Catholic University and his B.A. in Philosophy from Clark University. He is admitted to practice in Maryland and Washington, D.C.