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Francis X. GradyFRANCIS X. GRADY

Born Cleveland, Ohio, November 17, 1957; admitted to bar, 1984, Ohio; 1985, District of Columbia. Education: Georgetown University (B.S.F.S., magna cum laude, 1980); Trinity College, Dublin, Ireland (1979); College of Europe, Bruges, Belgium(Certificate of Advanced European Studies, 1981); The Ohio State University College of Law (J.D., 1984). Author: "Step-by-Step Guide Can Help Avoid Pitfalls of Buying a Branch," The American Banker, April 1, 1988; "An Internal Audit Can Help a Bank Ensure Compliance with Consumer Protection Laws," American Banker, April 9, 1991; "CRA Success Starts with Plan," American Banker, July 30, 1991; "Steering Clear of Pollution Risk," American Banker, January 22, 1992; "Innocent Errors Create Liability Under the Truth-in-Savings Act," American Banker, March 23, 1993; "Financial Institutions Fail to Take Advantage of Dividend Reinvestment Plans," Ohio Record, Fall 1994. "Bounce Protection Overdraft Coverage: Doing It the Right Way," The Ohio Community Banker, July/August 2003; "BOLI-Financed Executive Compensation," America’s Community Bankers 2003 Compensation Survey; "Bank-Owned Life Insurance Presents a Window of Opportunity," Community Banker, January 2004; "Bounce Protection Overdraft Coverage: Doing It the Right Way," Independent Banker, January 2004, “BOLI Investment Policy & Annual Post-Purchase Risk Assessment: New Bank Regulatory BOLI Compliance Obligations,” The Ohio Community Banker, June 2005, “A Roadmap for the Purchase and Risk Management of BOLI,” Community Banker, March 2006, “New Bank Supervisory for Commercial Real Estate Credit Concentration,” Western Independent Bankers, April/May 2006.  Contributing Author: "Consumer Credit: Law, Transaction and Forms," Matthew Bender & Co., 1988-2013; "Banking Law," Consumer Credit, Volume 7, Matthew Bender & Co., 1992-2013; Ohio Thrift Executive Compensation, September, 1989; Ohio, Michigan and Indiana Thrift Executive Compensation, August, 1990; Thrift Executive Compensation for Ohio, Michigan and Indiana, September, 1991, September, 1992, September, 1993, August, 1994, September, 1995 and September 1996; Bank Compensation Survey for Ohio, Michigan and Indiana, August 1994 and September 1995-1996.

LANGUAGES: French and Portuguese.

PRACTICE AREAS: Executive Compensation; Financial Services Law; Banking Law; Business Law; Corporate Law; Securities Law.

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Regular office hours are:
8:30 a.m. to 5:00 p.m.
Monday through Friday.
We are closed most
recognized holidays.

Our offices are located at
20220 Center Ridge Road, Suite 300
Rocky River, Ohio 44116

Telephone: 440-356-7255
or Fax: 440-356-7254
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