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Joseph D. Simon is a partner in the firm’s Banking and Financial Services department. He handles regulatory, compliance, corporate, and transactional matters for financial institutions. He also represents a broad range of clients in real estate matters.

Joseph advises financial institutions on issues including cybersecurity, truth-in-lending, Real Estate Settlement Procedures Act (RESPA) compliance, Home Mortgage Disclosure Act (HMDA) compliance, truth-in-savings, financial privacy, transactions with affiliates, lending limits, electronic banking, banking operations, currency transactions, and IRS reporting obligations. He deals with state and federal regulatory agencies including the New York State Department of Financial Services, the Federal Deposit Insurance Corporation (FDIC), the Consumer Financial Protection Bureau (CFPB), the Federal Reserve Board, the Comptroller of the Currency, and the National Credit Union Administration (NCUA) on a regular basis.

Joseph is a frequent speaker and author on financial institution regulatory and compliance matters. He has given seminars on New York’s Exempt Income Protection Act and federal garnishment rules and has been a presenter at seminars held by the New York Bankers Association and the New Jersey Bankers Association on HMDA and other regulatory matters. Joseph has written extensively on the mortgage regulations promulgated under the Dodd-Frank Act and has worked with several financial institutions on meeting the origination and servicing requirements imposed by those regulations. He is the author of “CFPB Mortgage Rules Under the Dodd-Frank Act,” a volume of Bloomberg BNA’s Banking Portfolio Series. The 2015 portfolio provides a comprehensive overview of mortgage rules issued by the CFPB under the Dodd-Frank Act. He is also the co-author with his colleague Elizabeth A. Murphy of “Cybersecurity Regulation for Financial Services Companies: New York State Leads the Way,” which was published in the Summer 2017 edition of the Journal of Taxation and Regulation of Financial Institutions.

In addition to his financial institution practice, Joseph also represents landlords and tenants in commercial leases, purchasers and sellers in all types of real estate matters, and lenders in the sale and purchase of performing and nonperforming loans.

Joseph previously served as counsel to several bank associations, including the Long Island Thrift Mortgage Initiative, the Community Home Purchase Process Initiative and BANC3, an organization started by banks to increase child care opportunities in New York and Long Island.

Practice Areas



  • New York
  • U.S. District Court for the Eastern District of New York
  • U.S. District Court for the Southern District of New York


  • J.D., Boston University School of Law, cum laude, 1986
  • B.A., University at Buffalo, cum laude, 1982

Professional and Community Activities

  • Member, Lawyers Advisory Committee of the New York Bankers Association, 2008—Present
  • Member, Banking Law Committee of the American Bar Association, 2008—Present
  • Member, Banking Law Committee of the New York State Bar Association, 2008—Present

Speaking Engagements

  • “CFPB Small Business Lending Rule: A Review of the Data Collection and Reporting Requirements and a Status Update on the Legal Challenges to the Rule” (The New York Bankers Association’s The Business of Banking Conference, September 2023)

Honors and Awards

  • Reader’s Choice Award, JD Supra, 2016—2017
  • Honoree, Harbor Child Care 40th Anniversary Gala Dinner, 2013


  • “Cybersecurity Regulation for Financial Services Companies: New York State Leads the Way” (co-author), Journal of Taxation and Regulation of Financial Institutions (Summer 2017)
  • “CFPB Mortgage Rules Under the Dodd-Frank Act,” Bloomberg BNA’s Banking Portfolio Series (2015).

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