Michael M. Aphibal

Michael Aphibal

Michael Aphibal advises clients on regulatory compliance issues in the financial services industry, with a focus on consumer finance and residential mortgage loan origination. Michael has represented a range of institutions, including banks, non-bank lenders, and insurance companies and agencies. He helps clients provide both secured and unsecured loans to their customers, such as mortgages, credit card loans, installment loans, and short-term small-dollar loans. In his consumer financial services practice, Michael has provided counseling related to licensing, employee compensation, loan origination and servicing, customer information sharing and privacy, consumer disclosures, marketing and advertising, and the sale of ancillary products.

Michael is also experienced with insurance regulatory issues affecting producers, including licensing, compensation arrangements and associated disclosures, commission splitting and referral fees, anti-rebating, and advertising. He has counseled insurance carriers on product development, including required features and benefits of life and health policies, value added services, rate and form filings, and permissible reasons for rescissions of policies.

Michael is originally from the Pacific Northwest and, from 2005 to 2007, served as a Teach for America Corps Member in Newark, New Jersey.

Related Practices

Related Industries




  • LL.M. Securities and Financial Regulations Georgetown University Law Center 2014
  • J.D. cum laude American University, Washington College of Law 2010
  • B.A. Chemistry and Political Science Colgate University 2005

Bar Admissions

  • District of Columbia
  • New York

Professional Memberships and Activities

  • Vice-chair, Webinars and Roundtables Sub-Committee of the Consumer Financial Services Committee, Business Law Section, American Bar Association, September 2019 – present