Professional background

Roman Okafor is the Consumer Law Reviewer at SB Loan, where he signs off on the legal accuracy of every state hub, every "what if you can't repay" guide, and every compliance disclosure on the site. He earned his Juris Doctor from the University of California, Berkeley School of Law and is an active member of the State Bar of California.

Roman began his career as a staff attorney at a Bay Area legal-aid society, representing low-income clients in debt-collection lawsuits, wage-garnishment defenses, and disputes with high-cost lenders. The volume of payday and auto-title cases on his docket pushed him toward the policy side of consumer protection.

He then spent four years as policy counsel at a California consumer-advocacy coalition, where he analyzed rate-evasion structures — rent-a-bank arrangements and out-of-state licensing workarounds — and filed comments in CFPB rulemakings on the Payday Lending Rule and larger-participant supervision. He is a member of the National Association of Consumer Advocates and has co-authored two practitioner articles on state usury caps and federal preemption.

Roman joined SB Loan in 2024 as a contract reviewer and now serves as the standing consumer-law check on every page that names a statute, a regulator, or a borrower right. His guiding line is that the site must never give legal advice, yet must still give readers what they need to recognize and assert their own rights.

Qualifications and bar membership

Juris Doctor (JD)
University of California, Berkeley School of Law · 2016
California State Bar
Active member, State Bar of California
Prior experience
7 years combined in legal aid and consumer-protection policy
Professional affiliation
National Association of Consumer Advocates (NACA)

Specialized knowledge areas

  • TCPA — call/SMS consent, revocation, prior-express-written-consent under marketing
  • FDCPA — third-party collector conduct, validation notices, harassment standards
  • State lending law — usury caps, licensing frameworks, rate-evasion structures
  • CFPB rulemaking — Payday Lending Rule, larger-participant supervision, examinations
  • Military Lending Act (MLA) — 36% MAPR cap, covered borrower checks, safe-harbor mechanics

Content reviewed by Roman Okafor

Roman signed off as compliance reviewer on:

Disclosure of potential conflicts

Disclosure. Roman holds no securities in any company covered here. SB Loan pays him as a contract reviewer with no per-loan referral incentive. He represents no lender, lead generator, or debt-relief firm named or linked anywhere on this site, and any potential client conflict triggers his automatic recusal from the affected page. He is a member of NACA.

How to reach him

For compliance questions, statute-update notes, or interview requests, contact [email protected]. Nothing on this page or on SB Loan constitutes legal advice.