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Michael Rato is a counsel based in our New York office. His practice focuses on all aspects of unclaimed property law compliance, as well as regulatory and litigation matters for banks, brokerage firms, and FinTechs.

Michael is a seasoned unclaimed property practitioner, focusing on securities industry participants and financial institutions. For nearly twenty years, he has defended companies in unclaimed property audits, assisted with voluntary compliance initiatives, and conducted internal investigations into potential unclaimed property law violations. He has also counseled clients on the application of unclaimed property laws to FinTech platforms, stored value card programs, and third-party processing arrangements. Michael also advises companies on the unclaimed property implications of new products and merger, acquisition, and divestiture activity.


  • Seton Hall University School of Law, 2001, 法学博士
  • Stevens Institute of Technology, 1998, Bachelor of Engineering

  • 新泽西州
  • 纽约

  • Supreme Court
  • U.S. Court of Appeals - Second Circuit
  • U.S. Court of Appeals - Third Circuit
  • U.S. Court of Appeals - Fourth Circuit
  • U.S. Court of Appeals - Sixth Circuit
  • U.S. Court of Appeals - Seventh Circuit
  • U.S. Court of Appeals - D.C. Circuit
  • U.S. Court of Appeals - Federal Circuit
  • U.S. Court of Federal Claims
  • U.S. District Court - District of New Jersey
  • 美国纽约东区联邦地区法院
  • 美国威斯康辛州东部地区法院
  • 联邦地区法院 – 纽约南部地区
  • U.S. District Court - Western District of Wisconsin


  • Listed in Super Lawyers for Business Litigation (2021-2022)
  • Unclaimed Property Professionals’ Organization Award of Merit (2016, 2018)
  • New Jersey Law Journal, “New Leaders of the Bar” (2012)