Education

University of Illinois College of Law, J.D., magna cum laude, 1999

  • Associate Editor, University of Illinois Law Review

Lake Forest College, B.A., Chemistry, cum laude, 1994

Admitted

Illinois, 1999

Tom Howard is a partner in the Asset Securitization Department of Chapman and Cutler LLP. Since joining the firm, his work has focused on the representation of issuers, underwriters, investors and trustees in securitization transactions, including transactions backed by equipment leases, automobile loans, tax lien certificates, student loans, commercial loans, and residential and commercial mortgage loans. Tom’s experience also includes work in the corporate and securities area, including public and private offerings of debt and equity securities as issuer's and underwriter's counsel.

Representative Transactions

  • Representation of the issuer in connection with a $453 million securitization of equipment finance contracts
  • Representation of the issuer in connection with a $400 million securitization of sub-prime auto loans
  • Representation of the issuer in a $101 million securitization of tax lien certificates
  • Representation of the issuer in connection with a $1 billion student loan securitization
  • Representation of the issuer in a $270 million structured warehouse facility involving the securitization of equipment finance contracts
  • Representation of the issuer in connection with a $250 million structured warehouse facility involving the securitization of sub-prime auto loans