Jason D Koontz, CRC 
Banking Expert Witness & Consulting

Jason Koontz, CRC is an independent banking expert and former bank Senior Vice President. His analysis, advice and testimony are based on more than 20 years of experience in lending, cash management, bank operations, and residential property valuation.

Expert Witness in Banking, Lending, and Real Estate​

With extensive experience in the financial and real estate sectors, Koontz specializes in a broad range of banking and lending matters, including:​

Consumer Lending​

  • Real Estate Settlement Procedures Act (RESPA) compliance
  • Residential real estate transactions
  • Consumer protection regulations
  • Debt collection practices
  • Deposit account management
  • Lender liability issues
  • Truth in Lending Act (TILA) compliance
  • Predatory lending investigations

Commercial Banks​

  • BSA / AML compliance
  • Cash management
  • Commercial loan structuring
  • Debt collection
  • Fraud detection and prevention
  • Lender liability disputes
  • Loan policies and procedures
  • Underwriting practices
  • USPAP compliance
  • Gross negligence cases

Retail Banks & Mortgage Servicing

  • Residential property valuation
  • USPAP compliance
  • Loan policies and procedures
  • Income loss assessments
  • Mortgage loan applications & underwriting
  • Mortgage loan servicing standards
  • Bank lending practices
  • Deposit accounts
  • Loan servicing

Media Mentions

Qualified Expert Witness

J.D. Koontz is a trusted banking expert that is also relied upon by media outlets to provide insights and educate the public on financial matters.

Importance of  Expert Witness Testimony

Expert witnesses are essential to the legal process, offering impartial, specialized knowledge that can be crucial to understanding complex issues in a case. Relying on their education, training, and experience, they provide insights that help courts and arbitrators reach fair and informed decisions. From consulting in arbitration to testifying in court, experts play a critical role in a variety of legal proceedings.

Expert witnesses can be used in cases such as personal injury claims, improper foreclosures, mortgage loan servicing, and environmental disputes. Experts can cover various topics, from medical conditions and engineering practices to financial matters like consumer lending, residential mortgage loans, servicing, and commercial lending.

Impartiality and credibility are the cornerstones of expert testimony. An expert’s opinion must be grounded in facts, independent of the parties involved, and supported by clear evidence. Whether they are being deposed or called to the witness stand, their role is to provide reliable and unbiased opinions.
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When you choose Jason Koontz as your banking expert witness, you can trust his integrity, expertise, and proven track record as an expert witness. His knowledge, built on years of education and real-world experience, brings clarity and strength to your case.

Client List (By Category)​

Lending

  • 21st Mortgage Corporation
  • JPMorgan Chase Bank
  • ​CitiFinancial ​
  • ​Bank of America
  • Santander Consumer USA
  • Truist
  • U.S. Bank
  • ​Bank of New York Mellon
  • USAA Federal Savings Bank
  • Vanderbilt Mortgage & Finance
  • Wells Fargo Bank
  • Well Fargo Home Mortgage
  • see full client list

Mortgage Loan Servicers

  • ​Bayview Loan Servicing
  • Carrington Mortgage Services
  • Fay Mortgage Services​
  • ​Lakeview Loan Servicing
  • ​Loancare
  • ​Nationstar Mortgage dba Mr. Cooper
  • ​Ocwen Loan Servicing
  • PHH Mortgage
  • ​Roundpoint Mortgage Servicing
  • ​Rushmore Loan Management
  • ​Selene Finance
  • & 6+ others...

​Accounts Receivable Management & Others

  • ​Portfolio Recovery Associates
  • ​Select Portfolio Servicing
  • American Electric Power
  • ​CBC Innovis
  • ​CMH Homes, Inc.
  • Cranberry Pipeline Corporation
  • ​Crown Castle USA
  • Equifax
  • Fannie Mae
  • ​Freddie Mac
  • Seneca Trustees
  • Universal Credit Services
  • ​see full client list