Roger A. Maldonado

In addition, Roger advises fintech companies, specialty finance companies, payment providers, and other financial services businesses regarding regulatory compliance, licensing, product development, and risk management. He counsels clients on money transmission and lending licensing requirements, earned wage access products, payment solutions, consumer lending programs, and related federal and state regulatory frameworks. Roger regularly advises clients regarding requirements and expectations imposed by the Consumer Financial Protection Bureau (CFPB), state banking and financial institution regulators, state attorneys general, and other federal and state agencies. He helps clients to navigate the complex patchwork of consumer financial laws, assess and mitigate regulatory risk, structure compliant products and programs, and develop practical compliance frameworks designed to reduce the likelihood of regulatory scrutiny, enforcement actions, private litigation, compliance violations, and operational disruptions.

Bankruptcy, Restructuring & Workouts

Roger represents financial institutions, creditors, equipment finance and leasing companies, trustees, investors, and other stakeholders in bankruptcy proceedings, out-of-court restructurings, workouts, receiverships, and distressed business situations. He advises clients on creditors' rights, enforcement strategies, asset recovery, equipment leasing disputes, and other matters involving financially troubled businesses.

Roger regularly represents clients in Chapter 11 proceedings and related commercial litigation, including preference and fraudulent transfer actions, claim disputes, contested matters, and other bankruptcy-related disputes. He works closely with clients to develop practical, business-focused strategies that protect their interests and maximize recoveries both in and out of court.

Consumer Financial Services & Fintech

Roger advises fintech companies, banks, specialty finance companies, payment providers, and other financial services businesses on regulatory compliance, licensing, product development, and risk management matters. He counsels clients on money transmission and lending licensing requirements, earned-wage access products, payment solutions, consumer lending programs, and other financial products subject to federal and state regulation.

Roger regularly advises clients regarding compliance with federal and state consumer financial laws, including TILA, ECOA, EFTA, FCRA, and UDAAP, as well as requirements and expectations imposed by the Consumer Financial Protection Bureau, state banking and financial institution regulators, state attorneys general, and other regulatory agencies.

He helps clients to navigate the complex patchwork of state licensing and consumer financial laws, assess regulatory risk, structure compliant products and programs, and develop practical compliance frameworks that support business growth while reducing the risk of regulatory scrutiny, enforcement actions, private litigation, and operational disruptions.

Corporate Trust Finance

Roger represents trustees, collateral agents, master servicers, securities administrators, and other parties in structured finance transactions, including asset-backed securities (ABS), residential mortgage-backed securities (RMBS), collateralized loan obligations (CLOs), collateralized debt obligations (CDOs), and other securitized products. His experience includes transaction administration issues, trust instruction proceedings, RMBS repurchase claims, servicing disputes, and other matters arising in distressed or defaulted structured finance transactions.

Military Service

Roger served for more than 20 years in the United States Army and Minnesota Army National Guard, retiring with the rank of captain. A combat veteran, he deployed twice to Iraq in support of Operation Iraqi Freedom. His military service shaped his leadership style and commitment to service, and he remains actively involved in supporting veterans, servicemembers, and military families through his professional and community activities.

He remains actively engaged in the veteran community and is dedicated to supporting servicemembers, veterans, and military families through his leadership and community service, including as a board member of Folds of Honor Minnesota, which provides educational scholarships to the spouses and children of fallen and disabled service members and first responders.

Personal Interests

Outside of work, Roger enjoys spending time with his children, fitness training, coaching youth sports, and attending Minnesota Vikings and Minnesota Timberwolves games. He also enjoys traveling abroad, supporting veterans and military families, and taking advantage of Minnesota's lakes, parks, and outdoor activities.