Andrew Pennacchia bio image att name

Andrew P. Pennacchia


  • p. 212.600.2349
  • f. 212.600.2405


Andrew P. Pennacchia is counsel in the New York office of BuckleySandler LLP.  Mr. Pennacchia works with financial institutions, mortgage companies, national banks, and securities broker-dealers regarding federal and state regulation. He advises clients on various consumer financial laws, bank safety and soundness regulations, multi-state licensing requirements, and on responding to state and governmental enforcement actions.  Mr. Pennacchia regularly performs assessments on behalf clients to identify and remediate regulatory gaps and develop an effective compliance management system in anticipation of Consumer Financial Protection Bureau (“CFPB”) examinations or investigations. He represents and advises lenders and servicers in managing and responding to CFPB examinations. Additionally, he conducts due diligence reviews of financial services companies on behalf of private equity firms, strategic acquirers and other acquiring entities, which include assessments of the target’s compliance management system, vendor management program and consumer compliant management system.

Prior to joining BuckleySandler, Mr. Pennacchia worked within Morgan Stanley’s Legal and Compliance Division, where he provided advice on various regulatory compliance requirements affecting securities-based, commercial and institutional lending, and assisted in the development and implementation of a risk-based compliance program for retail lending products. While at Morgan Stanley, he was also a member of Morgan Stanley Credit Corporation's Mortgage Compliance Committee. Prior to his tenure at Morgan Stanley, Mr. Pennacchia served as Vice President of Legal Affairs for Premium Capital Funding LLC. 

Mr. Pennacchia received his J.D. from the Hofstra University School of Law in 2002 and his B.A. from Dickinson College in 1999.

Significant Representations

  • CFPB Mortgage Lending Examination

    Represented California-based mortgage originator with a general CFPB consumer compliance examination. During the course of preparing the response to the CFPB, developed a gap analysis.