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American Financial Services Association

Robert S. Niemi

Robert S. Niemi

Robert S. Niemi

Senior Advisor

Bob Niemi is a Senior Advisor* for Financial Services in Bradley’s Charlotte and Washington, D.C. offices. As a mortgage leader and industry advocate for more than 25 years, Bob understands the challenges facing clients in today’s regulatory environment. He has extensive experience in all facets of the lending industry, including auto finance, consumer and small dollar lending. As a CMB, Bob possesses training-level knowledge of the mortgage process, and has a deep understanding of changing mortgage regulations.

Bob’s time as Ohio’s chief lending regulator brought a familiarity with shifting regulations and evolving codes that allow him the perspective to assist clients in establishing business practices, policies, and training programs that are compliant and forward-thinking. Bob has utilized this talent to help shape mortgage laws and evolve lending regulations to reduce regulatory burden on lenders while preserving consumer protections.

Having served as the NMLS Ombudsman, a state regulator, a mortgage leader, and now a regulatory compliance advisor, Bob brings a unique perspective to financial service matters to help successfully develop consensus to resolve complex financial matters with workable outcomes. Bob has used his experience and relationships in advising consumer and automobile lenders in an array of regulatory and compliance matters, including licensing, examination and acquisitions.

Bob has been a frequent speaker for trade and regulator associations speaking to state and local MBAs, national MBA events, the American Association of Residential Mortgage Regulators, NMLS Annual Conference, American Financial Services Association, Money Transmitter Regulators Association and the Conference of State Bank Supervisors. He often presents on the coordinated regulatory activities of state and federal government, and has been both a state-licensed mortgage originator and an approved NMLS pre-licensing education mortgage trainer. Bob has authored a number of articles and is also the author of a monthly column entitled “From the Desk of the OmBOBsman” for Mortgage Compliance Magazine.

*Bob Niemi is not an attorney.