Rob Wisner represents banks and other financial services providers ranging from community banks to large multi-state holding companies and finance companies. His advice and unique expertise on consumer lending forms and procedures are sought not only by financial institutions, but also by forms companies, other law firms and regulators.
Rob is passionate about his documents. He constantly develops new forms and refines existing ones so that he can efficiently deliver documents customized to each transaction. Since Rob's entire professional career has been devoted to representing financial services providers, he has a unique ability to draft and negotiate documents that protect his client's interests.
Rob frequently publishes articles, presents seminars and conducts in-house training on Texas and federal consumer compliance and lending. Since first published in 1992, Mr. Wisner's book, Usury and Texas Credit Laws, has been the "go to" treatise on lending and compliance in Texas.
Prepares residential real estate loan documents, including truth in lending and other necessary disclosures.
Drafts consumer credit forms and disclosures, including notes, security agreements, deeds of trust, retail installment contracts, and overdraft checking, credit card, and other open-end credit agreements.
Reviews forms and procedures for compliance.
Conducts training seminars on consumer real estate lending issues for financial institutions, Texas and federal regulators, trade associations (e.g. IBAT and TBA), and legal associations.
Documents commercial credit transactions, including real estate loans, warehouse lines of credit, asset based lending, SBA loans, aircraft, ship, and intellectual property secured loans.
Designs and reviews notices, letters and procedures for in-house collection efforts.
Licensed since 1981
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|TX||Eligible To Practice In Texas||1981||05/02/2015|
|Award Name||Grantor||Date Granted|
|"Super Lawyer"||Texas Monthly Magazine||2009|
|"Super Lawyer"||Texas Monthly Magazine||2008|
|"Super Lawyer"||Texas Monthly Magazine||2007|
|“Super Lawyer”||Texas Monthly Magazine||2003|
|Board Certified, Commercial Real Estate Law||Texas Board of Legal Specialization||1986|
|Board Certified, Residential Real Estate Law||Texas Board of Legal Specialization||1986|
|Partner||Crain, Caton & James||1999 - Present|
|Partner||O'Connor, Wisner & Craig||1981 - 1999|
|Association Name||Position Name||Duration|
|State Bar College||Endowment Fund Scholar||2007 - Present|
|Texas Association of Bank Counsel||Director||2007 - Present|
|Houston Bar Foundation||Fellow||2007 - Present|
|Texas Bar Foundation||Fellow||2006 - Present|
|Texas College of Real Estate Attorneys||Member||2003 - Present|
|College of the State Bar of Texas||Member||1991 - Present|
|Conference on Consumer Finance Law||Member||1990 - Present|
|American Bar Association||Member||1988 - Present|
|Houston Bar Association||Member||1981 - Present|
|State Bar of Texas||Member||1981 - Present|
|Usury and Texas Credit Laws (1st - 9th Editions)||Usury and Texas Credit Laws (1st - 9th Editions)||2008|
|“Texas Mortgage Lending Law & Practices Deskbook” Second Edition||Retail Installment Contracts||2006|
|Texas Mortgage Lending Law & Practices Deskbook, Second Edition||Executory Land Contracts||2006|
|Consumer Finance Law Quarterly Report||Pre-Payment Penalties and Due-On-Sale Restrictions in Texas Consumer Transactions Under State and Federal Laws||2006|
|Consumer Finance Law Quarterly Report||New Texas Predatory Lending Law||2002|
|Consumer Finance Law Quarterly Report||New Texas Consumer Loan Laws and Issues||2002|
|Consumer Finance Law Quarterly Report||Manufactured Home Developments in Texas||2002|
|Consumer Finance Law Quarterly Report||Real Estate Transactions in Texas||2002|
|The Business Lawyer||Truth in Lending - A Whirlwind Year||1996|
|Consumer Finance Law Quarterly Report||The Texas Credit Code - 1993 Legislation||1994|
|Consumer Finance Law Quarterly Report||Residential Real Estate Lending: Applicability of Common Federal Disclosure Requirements||1986|
|University of Michigan Law School||Law||JD - Juris Doctor||1980|
|University of Michigan||N/A||B.B.A.||1978|
|Collections and Creditors' Rights Course 2009||Usury Law Changes||2009|
|Real Estate Development From Beginning to End||Negotiating Land Development Loan Documents||2008|
|CLE program||Homestead and Home Equity Lending Update||2008|
|32nd Annual Convention||Negotiating Commercial Construction Loans||2008|
|Monthly Meeting||Negotiating Commercial Construction Loans - The Big Sticking Points||2007|
|31st Annual Convention||Subprime and Predatory Lending (New Developments, Disclosures, etc . . . )||2007|
|2006 Advanced Real Estate Drafting Course||Prepayment Penalties and Due on Sale Restrictions on Consumer Transactions||2006|
|Auto Sales and Finance (Cars, Trains, Boats and Planes — and Manufactured Housing)||Manufactured Housing Issues and Finance||2003|
|28th Annual Legal Conference||Plain Language Forms||2002|
|22nd Annual Advanced Real Estate Law Course||Usury||2000|
|Usury and Texas Credit Laws||Usury and Texas Credit Laws||1999|
|National Compliance School||Truth in Lending - Regulation Z||1998|
|Compliance Update School||Lending Compliance Update||1998|
|Compliance School||Truth in Lending||1998|
|24th Annual Legal Conference||Lending Tricks and Traps Thanks to the 75th Legislature||1998|
|22nd Annual Convention||Usury and Texas Credit Code Developments||1998|
|Ninth Annual Compliance School||Truth-in-Lending, Regulation Z||1997|
|8th Annual Advanced Real Estate Drafting Course||Simplifying the Consumer Credit Code for the Real Estate Practitioner||1997|
|1997 Banking Law Institute||Recent Changes Under RESPA||1997|
|20th Annual Convention||Usury and Texas Credit Code Developments||1996|
|1996 Texas Land Title Institute||Real Estate Settlement Procedures Act||1996|
|1995 Banking Law Institute||Update on Truth in Lending: Legislation, Regulation and Litigation||1995|