Frank was born in Providence, Rhode Island. He endured tough times as a child, losing both his parents at an early age. After the tragic loss, Frank and his older brother John moved in with their non-blood relative, fondly called "Aunt Babe" who raised them.

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Despite challenges, Frank excelled as a student, becoming president of his senior class at Classical High School. He went on to Providence College, graduating at the top of class with a bachelor's degree in business (accounting).  Frank later earned a law degree from Northeastern University School Of Law.

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For the past 30 years, Frank has managed a small law firm. Prior to that, he was a litigation associate for a major insurance defense firm. Frank also served as a Probate Clerk and Judge for the City of Providence.

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He has lectured extensively in the areas of Estate Planning and Probate Law. He also represented major Rhode Island developers regarding various zoning, planning and land use development issues. Frank and his associates have argued matters before all of the courts in Rhode Island.

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He lives in Cranston with his wife Antonelia (Catallozzi), a math teacher at BayView Academy. His twin daughters both live in New York. Cassandra is a graduate of Fordham University and Christina graduated from Quinnipiac University with her Bachelor’s degree and graduated from New York University with her Master’s. 

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Senator Lombardi is a parishioner of the Holy Apostles Church; a member of the Rhode Island Bar Association and the Rhode Island Association for Justice; President of the Rhode Island Soccer Officials Association; a former member of the Board of Directors for the Justinian Law Society; former Vice President of the Probate Judges Association; a former member of the Board of Trustees for Saint Mary’s Academy Bay View; and a former Board Member for Saint Rocco’s School.