We defend companies across all sectors of the consumer financial services industry against consumer claims and governmental actions and help them anticipate litigation trends and regulatory shifts impacting the industry.
Our clients include national and regional banks, mortgage lenders, mortgage loan servicers, credit card issuers, and other consumer credit providers. We provide strategic counsel to these companies concerning the broad spectrum of issues and disputes unique to the consumer finance marketplace.
From guiding clients through enforcement actions and government investigations to defending them in individual and class action claims, we have proven experience resolving disputes in and out of court or administrative proceedings and navigating clients through evolving regulatory compliance requirements.
Our litigation experience is vast. Whether protecting clients’ interests through the full life cycle of a consumer loan or credit arrangement or by preparing amicus briefs in cases that could effect industry change, we defend clients in state and federal courts throughout the country. This experience includes defending individual claims against loan servicers and loan investors and employing unique remedies and strategies to protect company assets.
In the past five years alone, we have defended financial institutions in more than 500 matters, including investigations, lawsuits, and class action claims brought under state and federal laws and regulations affecting consumer finance. These laws and regulations include such areas as:
- Equal Credit Opportunity Act
- Fair Credit Reporting Act
- Fair Debt Collection Practices Act
- Fair Housing Act
- Real Estate Settlement Procedures Act
- Truth-in-Lending Act
- Challenges to REMICs and other Asset Securitization Vehicles
- State Unfair Deceptive Acts and Practices Laws
