Our Professional Team

Tom Hajda, Esq.


Bar Admissions

Rhode Island


B.A., Brown University, magna cum laude
J.D., Indiana University, Mauer School of Law, magna cum laude


Tom Hajda Geraci Law firm

Tom Hajda, Esq.


Tom Hajda, Esq.


Areas of Practice

Lending Compliance
Capital Markets Agreements & Negotiation


Tom Hajda is Of Counsel with Geraci Law Firm. Mr. Hajda has over thirty years of experience providing advice with respect to consumer and business regulatory matters, compliance management, nationwide state licensing, governmental supervision and examination management, corporate governance, strategic acquisitions and other matters. He has designed and executed for clients regulatory compliance strategies, including Bank Secrecy Act, Home Mortgage Disclosure Act, Equal Credit Opportunity Act, Truth in Lending Act, Real Estate Settlement Procedures Act, Fair Housing Act, Privacy, and Information Security.

Mr. Hajda advises financial institutions on a wide variety of other matters, including mortgage origination, mortgage servicing, and secondary market transactions. Mr. Hajda has assisted a number of financial institutions in creating and growing new business enterprises, including residential mortgage, commercial mortgage, real estate brokerage, property management and title insurance and settlement services.


Navigating Capital Markets in the Current Economic Environment: Key Negotiating Strategies
Navigating Capital Markets in the Current Economic Environment: Key Negotiating Strategies
CFPB Continues to Regulate Private Lenders – The Small Business Lending Data Collection Rule
Yield Spread Premiums
Qualifying your borrower: What Lenders Need to Know About Anti-Money Laundering (AML) Compliance
Geraci Law Firm
Compliance For Private Lenders
Eviction Moratorium Rulings
A Tale of Two Courts: Differences in Eviction Moratorium Rulings
Loan Participations
Debunking Myths about Loan Participations
REIT Market Dynamics
REIT Market Dynamics in a State of Flux
How Title Insurance Benefits All Parties to a Transaction
Cannabis Outlook in 2021
Section 1071 of the Dodd-Frank Act: A New Regulatory Chapter for Lenders
CCPA Update - Extending Deadlines for Employees and Personnel of Other Businesses
Three Proposed Rules to Amend the CFPB’s Ability to Repay Rule
Federal Government Imposes National Eviction Moratorium Through the Remainder of 2020 – What You Need to Know
California Passes AB 3088 - The Tenant, Homeowner, and Small Landlord Relief and Stabilization Act of 2020
REIT Resiliency and Investment Strategy in the Coronavirus Era
New Oregon COVID-19 Law - Q&A and Borrower Notice
CCPA Update: Extending Deadlines for Employees and Personnel of Other Businesses
Pandemic and Privacy Do Not Mix
CFPB Issues Final Ruling to Raise Permanent HMDA Coverage Thresholds
What to Do as a CIO to Prepare for Compliance with the CCPA
New Small Business Truth in Lending Law Will Soon Change California’s Lending Landscape
Dodd-Frank's Effect on Hard Money Lending
House Passes TRID Improvement Act Despite Democrat Opposition
House Passes Bill Revising Manufactured-Home Lending Guidelines
Trump's New Pick for CFPB Director Greeted with Lawsuit
CFPB Offers Servicers Slight Leeway with Mortgage Servicing Rule Implementation Date
CFPB Issues Guidance on Information Collection for Mortgage Lenders
Fifth Circuit Affirms Non-Dischargeability of Mortgage Fraud Debts
Title Settlement Company Hit with $1.25 Million Fine
CFPB Director Responds to GOP Accusations Regarding Wells Fargo Scandal
THE CFPB Gives an Inside Look at Its New HMDA Portal
TRID Liability Rule Will Be a Major Issue This Year
The Road to TRID Compliance
Federal Agencies Propose Adjustments to Truth in Lending Act Thresholds
CFPB Reveals Specific Consent Orders with Legal Debt Firm, Partners, and Debt Purchaser
Republicans Move to Overhaul Dodd-Frank and the CFPB
What You Need To Know About the New HMDA
President Trump Signaling Replacing CFPB Chief
Ocwen's Misconduct Revealed by Internal Auditor
Dodd-Frank Replacement Bill Passes House Panel
Executive Branch Reorganization Order: Is the CFPB On the Chopping Block?
Dismantling Dodd-Frank Will Not Be an Easy Task
Senate Republicans Reintroduce Bill to Eliminate Dodd-Frank's CFPB
SEC Cracks Down on California Real Estate Investment Tycoon
Mortgage Industry Is Unclear About CFPB's New Servicing Rule
Proposed CFPB Regulation Garners Criticism from Legal Community
Dismantling Dodd-Frank and Retooling the Investment Markets
CFPB Asserts Deception Regardless of Intent


Leverage: A Tactical Guide to Lender Finance
Leverage: A Tactical Guide to Lender Finance
Major Changes in Privacy Law: What Lenders Must Do to be Compliant with the CCPA
Contact Tom Hajda, Esq.
We represent financial institutions and real estate professionals.
Unfortunately, we do not represent consumers.