Photo of Kyle A. Owens

Kyle A. Owens Member

Areas of Practice


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


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. D Magazine named Kyle to its “Best Lawyers in Dallas” list in 2020 and 2021.

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, Regulation M, the Electronic Fund Transfer Act (EFTA)/Regulation E, E-SIGN, the Fair Debt Collection Practices Act (FDCPA), the Dodd-Frank Act’s prohibition on unfair, deceptive, or abusive acts and practices (UDAAP), the Telephone Consumer Protection Act (TCPA), the Flood Disaster Protection Act (FDPA), Regulation O (Extensions of Credit to Insiders), Regulation W (Transactions with Affiliates), the Uniform Commercial Code (UCC), and a wide variety of state laws and regulations.

In addition to advising financial institutions on various matters, Kyle maintains an active litigation practice as a key member of Dykema’s Consumer and Commercial Financial Services Litigation teams and its CMBS Special Servicer practice group. He has litigated, arbitrated, and negotiated resolutions in a wide range of disputes in Texas and beyond, including contract, lending, securities, investment, 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.

  • Provide guidance to banks, credit unions, and mortgage lenders and servicers 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.
  • Advise Dental Service Organizations and practices regarding consumer-finance compliance.
  • 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.
  • Defend banks in Fair Credit Reporting Act litigation.
  • Represent Commercial Mortgage Backed Securities (CMBS) special servicers in collection matters in state court, including pursuit of recourse claims against guarantors.
  • Represent commercial lenders and servicers in proceedings to place hotel properties into receivership.
  • 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.
  • Represent registered representatives in FINRA investigations.    
  • 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.

Memberships & Involvement

  • Mortgage Bankers Association
  • DFW Financial Services Counsel Roundtable
  • Notre Dame Law Association
    • Alumni Board Director for Notre Dame Law School, 2016-2020
    • Advisory Board Member, 2020-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
    • Cub Scout Pack Committee Chair
  • Named a "Best Lawyer in Dallas" by D Magazine, 2020-2021
  • AV® Peer Review Rated by Martindale-Hubbell
  • Recognized in Texas Super Lawyers® as a Rising Star in Business Litigation, 2019
  • Texas Bar Foundation Life Fellow