Martha   Svoboda


Phone: 301.578.6014
Fax: 704.372.2619
Mailing: 301 South College Street ,
Suite 2600 , Charlotte , NC   28202
Linkedin: Martha Svoboda


Martha advises banks and other financial institutions (including FinTech companies) on all aspects of financial regulatory compliance, with a major focus on residential and consumer finance lending laws and regulations. She regularly consults with clients on matters involving compliance with fair lending, ECOA, Fair Housing Act, HMDA, TILA, RESPA, BSA/AML, and vendor management requirements, as well as the prohibition against unfair, deceptive, or abusive acts or practices. Martha also provides training to clients on fair lending and new or changing regulatory issues, helps clients prepare for regulatory examinations, assists clients with state licensure matters, and drafts and negotiates related contracts and agreements.

Martha’s first career began in the Silicon Valley, CA high-technology audit practice of a “big-4” public accounting firm. She has nearly 20 years of hands-on business experience, including various management and executive-level positions involving oversight of accounting, budgeting, tax and treasury, and contract negotiation functions. Her breadth of experience enables her legal analysis of issues to be informed by a practical business sensibility.


Martha also advised the Monitor of the National Mortgage Settlement (NMS), Joseph A. Smith, Jr., regarding interpretation and implementation of the multi-year, multi-billion-dollar NMS Consent Judgments, whose parties included seven major mortgage servicers (including the four largest banking organizations in the United States), the United States Government and 49 states.

She writes and speaks on mortgage banking-related issues and has been invited to speak by the American Conference Institute, the UNC School of Law Banking Institute, the American Mortgage Conference, the North Carolina Bankers Association, the American Bankers Association, the USLAW Network, and the Mortgage Bankers Association of the Carolinas.



  • Certified Anti-Money Laundering Specialist
  • Certified Public Accountant (California, Inactive status)


  • Alpha Al Sirat Award Recipient
  • North Carolina Banking Institute Journal, Staff Member

“A successful regulatory compliance outcome requires that the forest be seen, along with each individual tree. My propensity for details enables me to help my clients work toward such an outcome.”

—  Martha Svoboda

Education & Admissions

  • University of North Carolina, JD, 2012
  • San Jose State University, BS, with highest honors
  • North Carolina


  • Food Runners Collaborative, Inc., Board Member Representing Meals on Wheels of Wake County, Finance Committee Member
  • President and Treasurer of the Ballast Point Villas UOA