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Tom joined Pierce Atwood LLP in 2005 as Counsel in the firm's Retail Financial Services Practice Group. Tom’s practice specializes in consumer lending and deposit issues, with a focus on bank regulatory matters. Tom also counsels clients on state finance lender and loan broker licensing requirements. Prior to joining Pierce Atwood Tom was Financial Services Counsel for Citizens Financial Group in Providence, Rhode Island. There, he advised the bank on all aspects of laws and regulations affecting retail financial products and services. Education Tom received a B.A. in History, magna cum laude, from Fairfield University (1991) and his J.D. from Case Western Reserve University School of Law (1994), where he was the Notes Editor for the Journal of International Law. Professional Activities Tom is a member of the Consumer Financial Services Committee of the American Bar Association’s Business Law Section, the Legislative and Compliance Committee of the Massachusetts Bankers Association, and the Eastern Massachusetts Compliance Network (EMCN). Publications "Judicial Interpretation of Silence: The Criminal Evidence Order of 1988", 26 Case W. Res. J. Int'l L. 365 (1994) Bar Admissions Tom is admitted to practice in Massachusetts. Practice Areas Retail Financial Services Authored Articles 11/15/2007 - Financial Services Alert - Federal Reserve Issues Final "E-Disclosure" Rules for Five Cons...11/6/2007 - Final Draft of Affiliate Marketing and "Red Flag" Regulations Released Past Events and Engagements 11/1/2007 - Eastern Massachusetts Compliance Network Annual Meeting 4/26/2007 - Financial Services Seminar - Regulatory Hot Topics & Update. | 