James M. Milano

Jim Milano is a partner at Womble Bond Dickinson (US) LLP, advising financial institutions on regulatory risk and compliance in financial services projects. He works with mortgage companies, banks, consumer finance entities, and secondary market investors to navigate state and federal lending laws. His work includes guiding clients on digital marketing compliance under RESPA, implementing FHA’s Home Equity Conversion Mortgage (HECM) program, and developing home equity investment and leasehold mortgage programs. Milano also focuses on structuring private reverse mortgage loan programs and assisting lenders, servicers, and settlement service providers with regulatory matters. He supports clients through regulatory inquiries, investigations, and enforcement actions. Earlier in his career, he contributed to the design of a patented Sharia-compliant financing arrangement, continually addressing operational risks and adapting to evolving legal and regulatory landscapes.