Michael M. Aphibal

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mmaphibal@Venable.com

Washington, DC

T +1 202.344.4553

Michael Aphibal advises clients on regulatory compliance issues in the financial services industry, focusing on consumer and small business lending, particularly mortgage loan origination. Michael represents banks, non-bank lenders, and service providers and has advised insurance companies and agencies. He helps clients provide both secured and unsecured loans, such as mortgages, credit card loans, installment loans, short-term small-dollar loans, and alternative commercial financing, including merchant cash advance and factoring. Michael provides counseling related to licensing, consumer disclosures, commercial financing disclosures, rate and fee limits, marketing and advertising, employee compensation, loan origination, underwriting, servicing, 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

Banking and Financial Services

Related Industries

Financial Services

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Credentials

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Education

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

Member, Webinars and Roundtables Sub-Committee, Consumer Financial Services Committee, Business Law Section, American Bar Association, 2019 – present
- Chair, 2023 – present
Member, Education Committee, Mortgage Bankers Association of Metropolitan Washington, January 2025 – present