Norman H. Roos concentrates his practice on transactional, regulatory, and technology matters relating to the financial services and real estate industries. He is a member of our firm's Business Transactions group.

Financial Transactions

Norm has represented banks, insurance companies, diversified financial service companies, and other publicly and privately held entities on a broad range of matters involving consumer and commercial credit transactions with a special focus on mortgage banking. He has handled corporate and contract matters, and his experience includes bank acquisitions, all varieties of traditional bank lending, student lending transactions, timeshare finance, and commercial real estate financing. He has also served as an outside general counsel for financial institutions and a state trade association.

Norm has extensive experience with large-scale and complex financial transactions. He assisted a major lender with the establishment of a nationwide manufactured home construction loan program. He also has represented banks and mortgage companies in the acquisition and disposition of performing and nonperforming loan portfolios. In addition, Norm has assisted clients, including card issuers, payment processors, and merchants, on payment processing matters and contracts.

Regulatory Compliance + Enforcement

Norm has counseled banks and other financial institutions on compliance with a wide variety of regulations promulgated by federal and state banking regulators. He has worked with leading national mortgage lenders as outside regulatory counsel. Norm has counseled financial service providers on a wide variety of legal and regulatory matters involving, among other laws, the Truth-in-Lending Act, Equal Credit Opportunity Act, Real Estate Settlement Procedures Act, Fair Credit Reporting Act, Gramm-Leach Bliley Act, Dodd-Frank Wall Street Reform and Consumer Protection Act, and state licensing laws. He has provided guidance on capital requirements, payment processing, anti-money laundering, and virtual currency matters.

Norm also has advised clients facing enforcement actions by regulatory agencies. He has obtained positive outcomes for clients in enforcement actions, including preserving his clients’ licenses in several significant administrative proceedings.

Data Privacy, Cybersecurity + FinTech

Norm has advised financial institutions concerning data privacy and security matters, particularly in relation to policy planning and implementation. He has provided legal advice related to new financial products and delivery methods, including online and mobile banking services. Norm has counseled financial services clients on the development and implications of data breach incident response policies. He has represented national mortgage lenders in connection with privacy, data security, incident response, and information management policies and procedures.

Norm is past counsel to the Connecticut Mortgage Bankers Association, Inc. and served in that capacity for nearly 40 years. He is also a Past President of the American College of Mortgage Attorneys, where he served on the Board of Regents. A member of the Connecticut Bar Association, he is Past Chair of the Financial Institutions Law Section and the Consumer Law Section. He has served on several Connecticut Law Revision Study Committees, including those on the Uniform Common Interest Ownership Act, Electronic Communications, Mortgagor Liability, and Electronic Recording of Land Records.

Norm has written frequently about financial matters. He is the author of The CMBA Handbook on Connecticut Mortgage Statutes: An Analysis and Compilation of Connecticut Legislation Affecting Residential First Mortgage Lending and the editor of the American College of Mortgage Attorneys newsletter (the ACMA Abstract). His articles have appeared in The National Law Journal, Real Estate Finance Journal, The Banking Law Journal, Mortgage Technology, and National Mortgage News, among other publications. Norm is a frequent lecturer at bar and trade association programs on mortgage lending and consumer credit.