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BIOGRAPHIES
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Practice Areas
Government Affairs and Public Policy, Insurance, Real Estate
Corporate, Securitization and Structured Finance
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| Experience
Joseph Falk served as the Legislative Chairman, 2005 -2007, and the President, 2001-2002, of the National Association of Mortgage Brokers. Joe directed the legislative and regulatory affairs efforts of NAMB and he continues to serve on the Board of Directors. NAMB represents the interests of mortgage brokers in educational, regulatory, governmental and industry affairs. NAMB has 49 state affiliates and over 26,000 members.
In 2007, Mr. Falk was named a member of the Consumer Advisory Council to the Federal Reserve Board. The Council advises the Board on the exercise of its responsibilities under the Consumer Credit Protection Act and other matters in the area of consumer financial services. Areas of interest include Truth In Lending, HOEPA, HMDA, Affordable Housing, Financial Literacy, the Community Reinvestment Act, Bank Fees, Truth in Savings, and financial privacy. The appointment runs three years and the Council meets in Washington DC three times per year.
Mr. Falk is also the author of the NAMB's ‘Model State Statute Initiative for the Licensing and Education of All Originators'. He participated in 3 of the HUD sponsored Roundtables discussing RESPA reform. Mr. Falk has testified many times before Congress.
Representative Work | Represented a mortgage client before the U. S. House of Representatives and the U.S. Senate on mortgage regulatory initiatives |
| Represented a mortgage client before the Florida Department of Financial Services on an audit related complaint |
| Represented a mortgage company on small business consulting to enhance business opportunities |
| Represented a non-mortgage client to promote a new product to the mortgage industry |
| Represented four clients in responding to a Federal Reserve Board proposed rule making related to unfair and deceptive trade practices, Regulation Z, H.O.E.P.A., Section 32 |
Published Work and Lectures | National speaker on mortgage regulation proposals including RESPA, TILA, FCTA, and current initiatives through the U.S. House of Representatives, the U.S. Senate, Federal Reserve Board, HUD and the Federal Trade Commission |
| Authored NAMB's ‘Model State Statute Initiative for the Licensing and Education of All Originators' |
Bar Admissions
*Not admitted to the practice of law
Professional Memberships and Activities | National Association of Mortgage Brokers (NAMB), Legislative Chair 2005-2007; President 2001-2002; Board of Directors 1996 - present |
| Federal Reserve Board, Consumer Advisory Council. Washington D.C. 2007-2009 |
| Fannie Mae Advisory Council, 2001 - 2002 |
| Florida Association of Mortgage Brokers (FAMB), Member, 1984-present; State President, 1994-1995 |
| Miami-Dade County Affordable Housing Advisory Board, 2004-2007 |
Professional Experience | Katz, Kutter, Alderman & Bryant, P.A. |
| Metropolitan Mortgage Company, President and Chief Executive Officer, 1978 - 2001 |
Community Involvement | Miami Museum of Science and Space Planetarium, Vice Chairman of Board of Directors; Executive Committee, 2003-2008; Board, 1995-present |
| Beth David Congregation, Board of Directors, 1997-present; Member, 1991-present; President, 1997-1998 |
| University of Miami Center on Aging: External Advisory Board |
| University of Miami, Grand Founder |
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Education
1978: M.B.A., Harvard Business School
1976: B.A., Franklin and Marshall College, Magna Cum Laude, Phi Beta Kappa
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