David Rair's practice focuses on the representation of commercial banks, savings banks, diversified financial services companies, finance companies, insurance and securities intermediaries and mortgage lenders in consumer credit regulation and transactions, privacy, commercial financing transactions, deposit products, Internet banking products and services, and federal and state regulatory matters.

Areas of Expertise

• Financial Services
• State and Federal Consumer Credit and Mortgage Lending Regulatory Compliance
• Banking, Insurance and Securities Regulatory Matters
• Bank Holding Company Matters
• Asset Based and Commercial Real Estate Lending
• Secured Transactions
• Corporate and Commercial Transactions

Professional and Community Involvement

• Member, American Bar Association, Business Law Section
• Consumer Financial Services Committee
• Banking Law Committee
• Commercial Financial Services Committee
• Member, American Bar Association, Real Property, Probate and Trust Law Section
• Member, American Bar Association, Forum on Affordable Housing and Community Development Law
• Member, Hawaii State Bar Association, Real Property and Financial Services Section
• Member, Hawaii State Bar Association, Business Law Section
• Member, Conference on Consumer Finance Law
• Member, Board of Directors, Hawaii Literacy, Inc. (1993-1998)
• Member, President and Director (2006-2009), Hawaii Financial Regulatory Compliance Association

Speeches and Seminars

• Speaker, "Real Property and Financial Services Legislative Update 2009" co-sponsored by the Hawaii State Bar Association and the Real Property and Financial Services Section (July 22, 2009)
• Speaker, "New Acts Passed by the Hawai`i Legislature in 2009 and an Update on the 2009 ABA Compliance Confference" presented at the meeting of the Hawaii Financial Regulatory Compliance Association (July 15, 2009)
• Speaker, "CRA Investments - Legal Requirements, Hawaii Opportunities and National Initiatives" presented at the meeting of the Hawaii Financial Regulatory Compliance Association (June 10, 2009)
• Speaker, "Update on Hawaii Mortgage Rescue Fraud Prevention Act" presented at the Pacific Realty Group - Quarterly Meeting (December 16, 2008)
• Speaker, "Implementing Regulation R: What All Hawaii Financial Institutions Must Know" presented at the meeting of the Hawaii Financial Regulatory Compliance Association (September 10, 2008)
• Speaker, "New Acts Passed by the Hawai`i Legislature in 2008 and an Update on the 2008 ABA Compliance Conference" presented at the meeting of the Hawaii Financial Regulatory Compliance Association (July 16, 2008)
• Speaker, "Legislative Update 2008: Real Property and Financial Services Section" sponsored by the Real Property and Financial Services Section of the Hawaii State Bar Association (July 8, 2008)
• Speaker, "Update on Federal and State Information Privacy Protection Laws" presented at the 2nd Annual Shakacon 2008 Security Conference sponsored by Shakacon.org (June 10, 2008)
• Speaker, “Commercial Real Estate Financing in Hawaii” sponsored by Lorman Education Services (February 6, 2008)
• Speaker, "Real Property Legislative Update 2007" sponsored by Hawaii State Bar Association (July 24, 2007)
• Speaker, "New Acts Passed by the Hawai`i Legislative in 2007 and Their Impact on Compliance" presented at the Hawaii Regulatory Compliance Association member meeting (July 12, 2007)
• Speaker, "IT Compliance With Privacy and Information Safeguarding Laws" presented at the 1st Annual Shakacon 2007 Security Conference sponsored by Shakacon.org (June 7, 2007)
• Speaker, "IT Compliance Programs" presented at the Information Systems Audit and Control Association-Hawaii Chapter member meeting (May 10, 2007)
• Speaker, "Regulation O and Insider Lending - Recent Developments and Compliance Issues" presented at the Hawaii Financial Regulatory Compliance Association member meeting (March 14, 2007)
• Speaker, "Commercial Real Estate Financing in Hawaii" sponsored by Lorman Education Services (February 6, 2007)
• Speaker, “New Hawaii Condominium Statute” presented to various commercial real estate lenders of Hawaii financial institutions (Summer 2006)
• Speaker, “Annual Legislative Update” presented at the Hawaii Financial Regulatory Compliance Association member meeting (July 26, 2006)
• Speaker, “Real Property Legislative Update 2006” sponsored by Hawaii State Bar Association (July 12, 2006)
• Speaker, “Current Regulatory and Legal Issues in Hawaii Real Estate Lending: An Update for Lending Officers, Bankers and Attorneys” sponsored by Lorman Education Services (March 1, 2006)
• Speaker, “Commercial Real Estate Financing in Hawaii” sponsored by Lorman Education Services (February 21, 2006)
• Speaker, “Business Law and Real Property Legislative Update 2005” sponsored by Hawaii State Bar Association (August 2, 2005)
• Speaker, “Current Regulatory and Legal Issues in Hawaii Real Estate Lending: An Update for Lending Officers, Bankers and Attorneys” sponsored by Lorman Education Services (March 1, 2005)
• Program Co-chair and Speaker, “Real Property and Business Law Legislative Update 2004” co-sponsored by Business Law Section and Real Property and Financial Services Section of the Hawaii State Bar Association (July 28, 2004)
• Speaker, “Solicitation Complications: How to Avoid Compliance Problems when Marketing and Advertising Financial Products and Services” presented at the Hawaii Financial Regulatory Compliance Association member meeting (March 22, 2004)
• Speaker, “2003 Update on Default and Enforcement of Security Interests under Article 9” presented to Bank of Hawaii, (November 13, 2003)
• Speaker, “2003 Update on Consumer Financial Services Litigation” presented at the Hawaii Financial Regulatory Compliance Association member meeting (November 7, 2003)
• Speaker, “Predatory Lending Update” presented at the Hawaii Financial Regulatory Compliance Association member meeting (July 1, 2003)
• Speaker, “2002 HMDA & RESPA Developments” presented at the Mortgage Bankers Association of Hawaii member meeting (November 13, 2002)
• Speaker, “Annual Legislative Update” presented at the Hawaii Financial Regulatory Compliance Association member meeting (August 27, 2002)
• Speaker, "Real Property Legislative Update Seminar" sponsored by the Hawaii State Bar Association (July 18, 2002)
• Speaker, “Annual Legislative Update" presented at the Hawaii Financial Regulatory Compliance Association member meeting (July 16, 2001)
• Speaker, "Revised Article 9" presented to American Savings Bank (May, 2001)
• Speaker, "Revised Article 9" presented to Bank of Hawaii (January, 2001)
• Speaker, "Revised Article 9" presented to GE Capital Hawaii, Inc. (January, 2001)
• Speaker, "Real Property Legislative Update Seminar” sponsored by the Hawaii State Bar Association (July 13, 2000)
• Speaker, "Real Property Legislative Update Seminar” sponsored by the Hawaii State Bar Association (July 15, 1999)
• Speaker, "Annual Legislative Update" presented at the Hawaii Financial Regulatory Compliance Association member meeting (July 7, 1999)
• Speaker, "Truth-in-Lending Act and the Real Estate Settlement Procedures Act Update" presented at the Hawaii Financial Regulatory Compliance Association member meeting (May 12, 1999)
• Speaker, "Privacy Law and the Fair Credit Reporting Act" presented at the Hawaii Financial Regulatory Compliance Association member meeting (September 9, 1998)
• Speaker, "Hawaii State Bar Association Annual Legislative Update Seminar" sponsored by the Hawaii State Bar Association (July 16, 1998)
• Speaker, "Annual Legislative Update" presented at the Hawaii Financial Regulatory Compliance Association member meeting (July 8, 1998)

Articles and Publications

• Co-Author, "Don't Be Caught by Surprise: Is Your Business a 'Financial Institution' Under the New Privacy Law?", Pacific Business News, Vol. 39, No. 34, Business Law Supplement
• Author, "Good and Bad News for Hawaii Merchants", Pacific Business News, Vol. 34, No. 4 (October 27, 2006)
• Co-Author, “What is the Privacy Debate About?”, Hawaii Bar Journal, Vol. 3, No. 3 (March 1999)

Honors and Awards

• BV Martindale-Hubbell Peer Review Rating
• Best Lawyers in America, Banking/Finance Law (2003 - Present)