- Advises banks, non-depository financial institutions, and FinTech clients on a variety of regulatory and compliance matters.
- Provides regulatory advice to bank and non-bank financial institutions regarding TILA, HMDA, ECOA, RESPA, FCRA, FDCPA, GLBA, TISA, EFTA and other federal and state consumer financial laws.
- Advises bank and non-bank consumer credit providers with respect to special purpose credit programs for prohibited basis groups, residential energy efficient construction financing, timeshares, and other special purpose consumer credit.
- Represents financial institutions in regulatory examinations and civil investigations by the CFPB and other federal and state regulatory bodies.
- Provides advice regarding state financial licensing obligations applicable to non-bank financial service providers, bank subsidiaries, bank partners, and mortgage loan originators.
- Assists FinTech companies and other financial service providers in designing novel financial products in accordance with applicable law.
- Advises hedge funds and private equity firms on regulatory issues in the acquisition of licensed financial service companies and loan portfolios.
Ms. Holzel is a member of the American Bar Association and the Boston Bar Association.
Following law school, Ms. Holzel was awarded a Presidential Management Fellowship at the U.S. Consumer Financial Protection Bureau where she worked as an Examiner in the Office of Supervision, Enforcement and Fair Lending, the Legal Division, and the Office of Research, Markets & Regulations. Ms. Holzel led and trained CFPB examination teams reviewing consumer financial services, such as mortgages, mortgage servicing, default servicing and foreclosure, credit cards and payment products, deposit accounts, and credit reporting, at large financial institutions for compliance with federal consumer financial laws. Ms. Holzel was responsible for overseeing the supervision of consumer deposit products, prepaid products, electronic fund transfers, and mortgage servicing at one of the nation’s largest financial institutions.
During law school, she worked for the Office of the Massachusetts Attorney General Martha Coakley, and participated in the Summer Honors Program at the Boston office of the Securities and Exchange Commission.