Photo of Kyle A. Owens

Kyle A. Owens Senior Counsel

Areas of Practice

Industries

Bar Admissions

  • Texas

Court Admissions

  • U.S. District Court, Northern District of Texas
  • U.S. District Court, Southern District of Texas
  • U.S. District Court, Eastern District of Texas
  • U.S. District Court, Western District of Texas
  • U.S. Court of Appeals, Fifth Circuit

Education

Harvard Law School, J.D.

University of Notre Dame, B.A.

Kyle Owens is a Texas-based attorney who helps successful businesses understand and comply with their legal obligations and resolve their conflicts. He focuses his practice on regulatory compliance, litigation, and arbitration. Kyle has extensive experience working with clients in the Financial Services industry, including banks, credit unions, mortgage lenders, auto-finance lenders, credit-card issuers, loan servicers, and securities firms.

Before joining Dykema, Kyle was Associate General Counsel at a Top 10 U.S. bank and its lead lawyer for multiple lines of business. In that role, he partnered with executive teams and served as a legal, regulatory, and risk-management counselor to all levels of the business. Kyle has deep experience providing practical guidance to financial institutions regarding the laws and regulations applying to them, including the Truth in Lending Act (TILA)/Regulation Z, the Real Estate Settlement Procedures Act (RESPA), the Equal Credit Opportunity Act (ECOA)/Regulation B, the Fair Housing Act (FHA), Fair Lending, the Fair Credit Reporting Act (FCRA), the Expedited Funds Availability Act (EFAA)/Regulation CC, the Electronic Fund Transfer Act (EFTA), E-SIGN, the Fair Debt Collection Practices Act (FDCPA), UDAAP, the Telephone Consumer Protection Act (TCPA), the Flood Disaster Protection Act (FDPA), the Uniform Commercial Code (UCC), and a wide variety of state laws and regulations.

Before going in-house, Kyle practiced complex commercial litigation and arbitration at a large international law firm. In addition to advising financial institutions on various matters, he has litigated, arbitrated, and negotiated resolutions in a wide range of disputes in Texas and beyond, including contract, lending, securities, investment, insurance, probate, and trust matters. Kyle has arbitrated multiple disputes before the Financial Industry Regulatory Authority (FINRA), the American Arbitration Association, and the International Centre for Dispute Resolution. He is admitted to practice in all Texas state and federal courts and the United States Court of Appeals for the Fifth Circuit.

Representative Matters

  • Provide guidance to bank compliance departments regarding interpretation and application of various legal and regulatory requirements.
  • Advise lenders and depository institutions regarding new-product development, licensing, and entry into new geographic markets.
  • Advise auto-finance lenders regarding risk management, servicing, lien preservation and release, credit reporting, and loss mitigation.
  • Draft, review, and negotiate agreements for financial institutions.
  • Advise lenders regarding loan documents.
  • Defend major mortgage-loan servicer in litigation matters in state and federal court.
  • Represent commercial lender and commercial-mortgage-backed securities (CMBS) servicer in collection matters in state court.
  • Represent banks and bank-holding companies in opposing third-party subpoenas demanding sensitive information.
  • Litigate and arbitrate disputes on behalf of brokerage firms in Texas state and federal courts and FINRA proceedings.
  • Assist compliance department of prominent national broker-dealer with sensitive customer matters.
  • Obtain modifications of charitable-institutional funds on behalf of foundations in Texas probate court.
  • Represent real-estate firms in lease disputes with commercial tenants.

Memberships & Involvement

  • Mortgage Bankers Association
  • Securities Industry and Financial Markets Association
  • Notre Dame Law Association
    • Alumni Board Director for Notre Dame Law School, 2016-Present
  • Harvard Club of Dallas
  • Notre Dame Club of Dallas
    • Lawyer Committee Chair
  • National Eagle Scout Association

Community/Civic Activities

  • YMCA of Metropolitan Dallas
    • Board of Directors, 2015-2016
    • Board of Management for White Rock YMCA, 2008-Present
      • Board Chair, 2015-2016
    • Youth Basketball Coach
  • Boy Scouts of America
    • Cub Scout Den Leader
  • AV® Peer Review Rated by Martindale-Hubbell
  • Texas Bar Foundation Fellow
  • Recognized in Texas Super Lawyers® as a Rising Star in Business Litigation, 2019