Since 1991, Hal has been representing credit unions, banks, and other financial service providers on state and federal regulatory compliance matters, formation and operation of subsidiaries, contract negotiation and dispute resolution, bankruptcy and collection, and other issues related to structuring and delivering financial services to consumers and businesses.

His in-depth industry knowledge and practical legal advice help financial service providers meet the challenges of today's changing regulatory environment.

Hal has a special expertise in payment systems issues, helping clients navigate Uniform Commercial Code Articles 3, 4, and 4A, the NACHA rules, and various Federal Reserve rules and circulars. Hal provides consumer and business loan and deposit account documentation and disclosures, and helps clients resolve account disputes and other operational challenges.
 
He has a leadership role in the American Bar Association’s Business Section’s Credit Union Committee and is active with the ABA Consumer Financial Services Committee, and keeps up to date on potential legislation and regulations affecting financial institutions.

Little Known Facts:  Has a degree in French and spent a year in France | Grew up in Oklahoma and is a big University of Oklahoma Sooners fan - but we don't hold that against him