Kristina A. Del Vecchio


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Kristina A. Del Vecchio is a partner in Joseph & Cohen’s San Francisco office. She brings over a decade of experience in representing and advising consumer banks, credit unions, commercial banks, bank holding companies, lenders and financial services companies on compliance with state and federal banking, credit union and consumer protection statutes, rules, regulations, and guidance, as well as mortgage, reverse mortgage, credit card, student loan, and auto litigation, enforcement and regulatory matters.

Prior to joining Joseph & Cohen, Ms. Del Vecchio was Director and Senior Counsel at CIT Group Inc. (CIT).  CIT is a financial holding company, and its principal subsidiary is CIT Bank, N.A. (formerly known as OneWest Bank NA). While at CIT, Ms. Del Vecchio managed the regulatory monitoring and change management process; provided compliance, regulatory, and risk management advice to the bank and holding company; represented the interests of CIT before federal regulatory agencies and government-sponsored enterprises (GSEs); supported due diligence and analysis relating to potential asset sales and acquisitions; and assisted with resolving issues and matters arising from examinations and regulator inquiries.

Ms. Del Vecchio has also worked at the law firms of Weil, Gotshal and Manges, LLP, and Stroock & Stroock & Lavan, LLP.  Additionally, Ms. Del Vecchio served as an in-house attorney at the Credit Union National Association, the largest national trade association serving America’s state and federally chartered credit unions.  While at the Credit Union National Association, she represented the interests of credit unions before Congress and federal agencies, particularly the National Credit Union Administration, Consumer Financial Protection Bureau, Department of the Treasury and Federal Housing Finance Agency.

Some of the representative matters in which Ms. Del Vecchio has been involved include:

  • Representing federal credit unions in acquisitions of state or federally-chartered credit unions;
  • Representing financial institutions in negotiating complex vendor contracts with large financial services and technology vendors;
  • Advising a reverse mortgage servicer in state and Federal regulatory and compliance matters and related litigation;
  • Representing a bank holding company in negotiations with a federal banking agency and GSE related to settling matters pertaining to legacy acquired mortgage portfolios;
  • Defending a major student lender in actions asserting claims brought pursuant to the Federal Trade Commission’s Holder Rule;
  • Defending a major student lender in an action alleging violations of California’s Unfair Competition Law;
  • Defending financial institutions in individual, class actions and Attorney General investigations asserting violations of the Telephone Consumer Protection Act, federal and state debt collection laws, antitrust laws and other state and federal disclosure and consumer protection-related laws and regulations and obtaining favorable settlements in numerous such actions;
  • Advising major financial services companies and banks in conjunction with inquiries, examinations and investigations conducted by the Consumer Financial Protection Bureau, Office of the Comptroller of the Currency, Department of Housing and Urban Development, and state Attorneys General;
  • Advising major financial services companies in complying with federal (notably, new Consumer Financial Protection Bureau and Dodd-Frank Act related rules and regulations) and state regulations affecting their businesses, including in the areas of mortgage origination and servicing, fair lending, credit card lending, credit card add-on products, student lending, debt collection, arbitration and electronic payments issues;
  • Advising a major automobile manufacturer on state consumer protection laws, including lemon law and warranty disclosure laws;
  • Providing antitrust advice and obtaining clearance from the Department of Justice or Federal Trade Commission (as applicable) to, among others, Reuters in its merger with Thomson, New York Mercantile Exchange in its merger with CME Group, Avaya in its acquisition of Nortel’s Enterprise Solutions Business, Iron Mountain, Inc. in its sale of its digital business units to Autonomy Corp., plc, Johnson & Johnson in its acquisition of Synthes, Inc. and Univision Music Group in its sale to Universal Music Group.

Ms. Del Vecchio served a full term as a member of the Executive Committee of the State Bar of California’s Business Law Section (now the California Lawyers Association), and served as Diversity Co-Coordinator.  She previously chaired the Consumer Financial Services Committee of the Business Law Section.  She is also a member of the American Bar Association’s Consumer Financial Services Committee and the World Council of Credit Union’s Global Woman’s Leadership Network.

Ms. Del Vecchio is admitted to the California, New York, District of Columbia and Connecticut state bars as well as the U.S. District Courts for the Northern District of California, Central District of California, Southern District of California, Eastern District of California, Southern District of New York, District of Columbia and District of Connecticut.

Ms. Del Vecchio earned her Juris Doctorate from the University of Connecticut School of Law, where she clerked for the Honorable Henry J. Boroff, United States Bankruptcy Court for the Western District of Massachusetts and interned for almost two years with the Antitrust and Special Litigation Section of the State of Connecticut Office of the Attorney General.  She also earned her Master of Science from the London School of Economics and Political Science, with merit, and her Bachelor of Arts, magna cum laude, from New York University.

Ms. Del Vecchio is a frequent speaker and writer on state and federal regulatory developments affecting credit unions, banks, and other financial institutions.  While in law school, she also taught undergraduate introductory economics courses at a local community college.  She is an active member of the Pasadena Tournament of Roses and Pasadena Jaycees, and an avid patron of the performing and visual arts, having been a professionally trained classical ballet dancer with a short professional ballet career while studying for her undergraduate degree.

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