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Robert R. Wisner

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Robert R. Wisner practices in the areas of banking and financial services, real estate, corporate, and business transactions.

Rob crafts creative solutions for banks and other financial service providers ranging from community banks to large multi-state holding companies, and finance companies. His advice and unique expertise on consumer and commercial lending forms, policies, and procedures are sought not only by financial institutions, but also by forms companies, other lawyers, and regulators.

Since Rob’s entire professional career has been devoted to representing financial service providers, he has a unique ability to draft and negotiate documents that protect his client’s interests. He constantly develops and refines forms to efficiently deliver documents customized to each transaction.

Rob frequently publishes articles, presents seminars, and conducts training on Texas and federal consumer compliance and lending. Since first published in 1992, Mr. Wisner’s book, Usury and Texas Credit Laws, is the “go to” treatise on lending and compliance in Texas; preview the Table of Contents here, or place an order here.

  • Usury and Texas Credit Laws, author, First (1992) through Fifteenth (2020) Editions, published by the Independent Bankers Association of Texas, 1992 and 1994, and published by Mr. Wisner, 1996, 1999, 2001, 2004, 2006, 2008, 2010, 2012, 2014, 2016, 2018 and 2020. Preview the Table of Contents here, or place an order here
  • Ethics: Mindfulness – Presence Through Embodiment, Author/Speaker, Southwest Association of Bank Counsel 47th Annual Convention, 2023
  • Ethics: Mindfulness – Presence, Happiness and Mindfulness, Author/Speaker, Southwest Association of Bank Counsel 46th Annual Convention, 2022
  • Ethics: Mindfulness – Presence Amid Chaos, Author/Speaker, Southwest Association of Bank Counsel 45th Annual Convention, 2021
  • Ethics: Mindfulness – Presence Amid Chaos, Author/Speaker, Southwest Association of Bank Counsel 44th Annual Convention, 2020
  • Texas Usury Law, Author/Speaker, State Bar Collections and Creditors’ Rights Course, San Antonio, Texas, 2020
  • Representing Financial Institutions, Author/Speaker, Houston Bar Association, Houston, Texas, 2019
  • So How Do You Comply with the Texas Disciplinary Rules of Professional Conduct and the Texas Lawyer’s Creed, Author/Speaker, Texas Association of Bank Counsel 40th Annual Convention, Austin, Texas, 2016
  • Opportunities to Serve Your Community, Author/Speaker, Texas Association of Bank Counsel 41st Annual Convention, Bastrop, Texas, 2017
  • Dodd-Frank: Consumer Home Lending Disclosures, Regulations Z, X and B, Author/Speaker, State Bar of Texas 36th Annual Advanced Real Estate Law Course, San Antonio, Texas, 2014
  • Mortgage Lending Tsunami: Dodd-Frank, CFPB and Beyond, Author/Speaker, Texas Land Title Institute, San Antonio, 2013
  • Identifying and Curing Usury, Author/Speaker, State Bar Collections and Creditor’s Rights Course 2013, Dallas, 2013
  • Consumer Mortgage Lending Compliance Update, Author/Speaker, TBA Compliance Alliance Webinar, 2013
  • Tricks and Traps in Texas Usury Law, Author/Speaker, Houston Bar Association, 2011 What the General Practitioner Needs to Know – Civil Day, Houston, 2011
  • Usury Law Changes, Author/Speaker, State Bar Collections and Creditors’ Rights Course 2010, San Antonio, 2010
  • Residential Mortgage Lending Update, Author/Speaker, 36th Annual Texas Bankers Association Legal Conference, San Antonio, 2010
  • Usury Law Changes, Author/Speaker, State Bar Collections and Creditors’ Rights Course 2009, San Antonio, 2009
  • Negotiating Commercial Construction Loans, Author/Speaker, 32nd Annual Convention of the Texas Association of Bank Counsel, 2008
  • Negotiating Land Development Loan Documents, Author/Speaker, Real Estate Development from Beginning to End, presented by Lorman Education Services, 2008
  • Homestead and Home Equity Lending Update, Author/Speaker, Houston Bar Association CLE program, 2008
  • Subprime and Predatory Lending (New Developments, Disclosures, etc…), Author/Speaker, Texas Association of Bank Counsel, 31st Annual Convention, 2007
  • Negotiating Commercial Construction Loans – The Big Sticking Points, Author/Speaker, Houston Bar Association, Real Estate Section Monthly Meeting, 2007
  • Prepayment Penalties and Due on Sale Restrictions on Consumer Transactions, Author/Speaker, 2006 Advanced Real Estate Drafting Course, presented by the State Bar of Texas, 2006
  • Pre-Payment Penalties and Due-On-Sale Restrictions in Texas Consumer Transactions Under State and Federal Laws, Author, Consumer Finance Law Quarterly Report, Vol.60, No. 4, 2006
  • Texas Mortgage Lending Law & Practices Deskbook, Co-author, Second Edition, Published by the Texas Mortgage Bankers Association, Chapters: Retail Installment Contracts and Executory Land Contracts, 2006
  • Manufactured Housing Issues and Finance, Author/Speaker, Auto Sales and Finance (Cars, Trains, Boats and Planes – and Manufactured Housing) hosted by the Conference on Consumer Finance Law, 2003
  • Plain Language Forms, Author/Speaker, 28th Annual Legal Conference hosted by the Texas Savings and Community Bankers Association and IBAT, 2002
  • New Texas Consumer Loan Laws and Issues, Author, Consumer Finance Law Quarterly Report, published by the Conference on Consumer Finance Law, 2002
  • Manufactured Home Developments in Texas, Author, Consumer Finance Law Quarterly Report, published by the Conference on Consumer Finance Law, 2002
  • Real Estate Transactions in Texas, Author, Consumer Finance Law Quarterly Report, published by the Conference on Consumer Finance Law, 2002
  • New Texas Predatory Lending Law, Author, Consumer Finance Law Quarterly Report, published by the Conference on Consumer Finance Law, 2002
  • Usury, Author/Speaker, State Bar of Texas, 22nd Annual Advanced Real Estate Law Course, 2000
  • Usury and Texas Credit Code Developments, Author/Speaker, Texas Association of Bank Counsel, 22nd Annual Convention, 1998
  • Truth in Lending and RESPA, Author/Speaker, Texas Bankers Association’s Compliance School and Lending Compliance Update, 1998, 1999
  • Usury and Texas Credit Laws, Author/Speaker, presented by IBAT, 1999
  • Lending Tricks and Traps Thanks to the 75th Legislature, Author/Speaker, 24th Annual Legal Conference hosted by the Texas Savings and Community Bankers Association and Independent Bankers Association, 1998
  • Truth in Lending – Regulation Z, Author/Speaker, Conference of State Bank Supervisors – National Compliance School, 1998
  • Recent Changes Under RESPA, Author/Speaker, Conference on Consumer Finance Law, 1997 Banking Law Institute, 1997
  • Truth-in-Lending, Regulation Z, Author/Speaker, Texas Bankers Association’s Ninth Annual Compliance School, 1997
  • Simplifying the Consumer Credit Code for the Real Estate Practitioner, Author/Speaker, State Bar of Texas, 8th Annual Advanced Real Estate Drafting Course, 1997
  • Real Estate Settlement Procedures Act, Author/Speaker, 1996 Texas Land Title Institute, 1996
  • Usury and Texas Credit Code Developments, Author/Speaker, Texas Association of Bank Counsel, 20th Annual Convention, 1996
  • Truth in Lending – A Whirlwind Year, Author, The Business Lawyer, published by the Business Law Section of the American Bar Association, 1996
  • Update on Truth in Lending: Legislation, Regulation and Litigation, Author/Speaker, 1995 Banking Law Institute, 1995
  • The Texas Credit Code – 1993 Legislation, Author, Consumer Finance Law Quarterly Report, published by the Conference on Consumer Finance Law, 1994
  • Residential Real Estate Lending: Applicability of Common Federal Disclosure Requirements, Author, Consumer Finance Law Quarterly Report, published by the Conference on Consumer Finance Law, 1986

  • AV Preeminent® Rating, Martindale Hubbell
  • Best Lawyers in America, Banking and Finance Law, BL Rankings, 2020-2027
  • Houston Lawyer of the Year – Banking and Finance Law, BL Rankings, 2023
  • Texas Super Lawyers, Thomson Reuters, 2003, 2007-2011, 2018-2019
  • Top Lawyers, Houstonia Magazine, 2013-2019

  • State Bar of Texas, member
  • Texas Bar Foundation, Sustaining Life Fellow
  • Southwest Association of Bank Counsel, member
  • College of the State Bar of Texas, Society of Legal Scholars, 37 years
  • Endowment Fund Scholar of State Bar College
  • Texas College of Real Estate Attorneys, member
  • Conference on Consumer Finance Law, member
  • Houston Bar Association, member
  • Houston Bar Foundation, life fellow
  • American Bar Association, member
    • Business Law Section – Committee on Consumer Financial Services
    • Business Law Section – Subcommittees on Truth in Lending, Housing Finance and RESPA
    • Business Law Section – Committee on Commercial Financial Services
    • Business Law Section – Committee on Banking Law
    • Business Law Section – Subcommittees on Commercial and Real Estate Lending; and Retail Banking and Consumer Law
    • Business Law Section – Committee on Uniform Commercial Code
    • Business Law Section – Subcommittee on Secured Transactions
    • Real Property, Probate and Trust Law Section Real Estate Division

Community & Civic

  • Director Emeritus of Cherish Our Children, Inc., whose programs serve middle school students in Houston experiencing the trauma of parental incarceration.
  • Led and participated in foreign mission trips for St. Luke’s United Methodist Church in Houston, Texas, served as a trustee of the permanent endowment fund of Christ United Methodist Church in Sugar Land, Texas, raised funds and built homes for Habitat for Humanity in Fort Bend County, served as a volunteer at Covenant House, served on a grant committee for Fort Bend Cares, and served as a Director of Child Advocates of Fort Bend
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