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About me


     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.


Consumer Finance

     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.


Commercial Finance

     Documents commercial credit transactions, including real estate loans, warehouse lines of credit, asset based lending, SBA loans, aircraft, ship, and intellectual property secured loans.

  • Drafts commercial credit forms, including, commitment letters, authority documentation, loan agreements, security agreements, account control agreements and other forms for forms companies and financial institutions.

  • Drafts wire transfer, internet, private banking, check cashing, securities account and other service agreements.

  • Serves as a consulting and expert witness with respect to usury and other lending issues.


Workout, Collection and Foreclosure

     Designs and reviews notices, letters and procedures for in-house collection efforts.

  • Negotiates and drafts workouts of existing credits.

  • Works with litigators in collection and bankruptcy proceedings.

  • Defends lender liability and consumer compliance issues, including class action lawsuits.

  • Conducts non-judicial foreclosures.


Practice areas


  1. Debt Agreements: 80%
    35 years
  2. Real Estate: 10%
    35 years
  3. Banking: 5%
    35 years
  4. Debt Collection: 5%
    35 years

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Contact info

Crain, Caton & James, P.C.

1401 Mckinney St
Suite 1700
Houston, TX, 77010-4035


TXEligible To Practice In Texas 198107/16/2016
We have not found any instances of professional misconduct for this lawyer.
Avvo contributions
Legal answers
Award nameGrantorDate granted
"Super Lawyer"Texas Monthly Magazine2009
"Super Lawyer"Texas Monthly Magazine2008
"Super Lawyer"Texas Monthly Magazine2007
“Super Lawyer”Texas Monthly Magazine2003
Board Certified, Commercial Real Estate LawTexas Board of Legal Specialization1986
Board Certified, Residential Real Estate LawTexas Board of Legal Specialization1986
Work experience
TitleCompany nameDuration
PartnerCrain, Caton & James1999 - Present
PartnerO'Connor, Wisner & Craig1981 - 1999
Association namePosition nameDuration
State Bar CollegeEndowment Fund Scholar2007 - Present
Texas Association of Bank CounselDirector2007 - Present
Houston Bar FoundationFellow2007 - Present
Texas Bar FoundationFellow2006 - Present
Texas College of Real Estate AttorneysMember2003 - Present
College of the State Bar of TexasMember1991 - Present
Conference on Consumer Finance LawMember1990 - Present
American Bar AssociationMember1988 - Present
Houston Bar AssociationMember1981 - Present
State Bar of TexasMember1981 - Present
Publication nameTitleDate
Usury and Texas Credit Laws (1st - 9th Editions)Usury and Texas Credit Laws (1st - 9th Editions)2008
“Texas Mortgage Lending Law & Practices Deskbook” Second EditionRetail Installment Contracts2006
Texas Mortgage Lending Law & Practices Deskbook, Second EditionExecutory Land Contracts2006
Consumer Finance Law Quarterly ReportPre-Payment Penalties and Due-On-Sale Restrictions in Texas Consumer Transactions Under State and Federal Laws2006
Consumer Finance Law Quarterly ReportNew Texas Predatory Lending Law2002
Consumer Finance Law Quarterly ReportNew Texas Consumer Loan Laws and Issues2002
Consumer Finance Law Quarterly ReportManufactured Home Developments in Texas2002
Consumer Finance Law Quarterly ReportReal Estate Transactions in Texas2002
The Business LawyerTruth in Lending - A Whirlwind Year1996
Consumer Finance Law Quarterly ReportThe Texas Credit Code - 1993 Legislation1994
Consumer Finance Law Quarterly ReportResidential Real Estate Lending: Applicability of Common Federal Disclosure Requirements1986
School nameMajorDegreeGraduated
University of Michigan Law SchoolLawJD - Juris Doctor1980
University of MichiganN/AB.B.A.1978
Speaking engagements
Conference nameTitleDate
Collections and Creditors' Rights Course 2009Usury Law Changes2009
Real Estate Development From Beginning to EndNegotiating Land Development Loan Documents2008
CLE programHomestead and Home Equity Lending Update2008
32nd Annual ConventionNegotiating Commercial Construction Loans2008
Monthly MeetingNegotiating Commercial Construction Loans - The Big Sticking Points2007
31st Annual ConventionSubprime and Predatory Lending (New Developments, Disclosures, etc . . . )2007
2006 Advanced Real Estate Drafting CoursePrepayment Penalties and Due on Sale Restrictions on Consumer Transactions2006
Auto Sales and Finance (Cars, Trains, Boats and Planes — and Manufactured Housing)Manufactured Housing Issues and Finance2003
28th Annual Legal ConferencePlain Language Forms2002
22nd Annual Advanced Real Estate Law CourseUsury2000
Usury and Texas Credit LawsUsury and Texas Credit Laws1999
National Compliance SchoolTruth in Lending - Regulation Z1998
Compliance Update SchoolLending Compliance Update1998
Compliance SchoolRESPA1998
Compliance SchoolTruth in Lending1998
24th Annual Legal ConferenceLending Tricks and Traps Thanks to the 75th Legislature1998
22nd Annual ConventionUsury and Texas Credit Code Developments1998
Ninth Annual Compliance SchoolTruth-in-Lending, Regulation Z1997
8th Annual Advanced Real Estate Drafting CourseSimplifying the Consumer Credit Code for the Real Estate Practitioner1997
1997 Banking Law InstituteRecent Changes Under RESPA1997
20th Annual ConventionUsury and Texas Credit Code Developments1996
1996 Texas Land Title InstituteReal Estate Settlement Procedures Act1996
1995 Banking Law InstituteUpdate on Truth in Lending: Legislation, Regulation and Litigation1995