Financial Services Consumer Protection

We advise clients, including banks and other financial institutions, mortgage lenders, private investment funds, and other specialty consumer and commercial lending companies on various consumer credit issues. We focus on matters before the Consumer Financial Protection Bureau, the FTC, federal banking agencies, and state regulators. For example, we:

• counsel clients on licensing issues, disclosures and documentation, exporting interest rates and fees on loans and on the practical implications and limitations of this exportation power;
• review client compliance with federal and state consumer credit laws, including the Real Estate Settlement Practices Act, the Truth in Lending Act, the Equal Credit Opportunity Act, the Home Mortgage Disclosure Act, and the Fair Credit Reporting Act, and undertake risk assessments of these areas;
• structure lending programs for compliance with consumer lending laws;
• defend clients that are sued for alleged violations of the consumer credit and consumer protection laws;
• counsel clients through regulatory examinations;
• defend clients against enforcement actions; and
• advise clients regarding the agencies' published standards and statements of policy relating to lending practices in the consumer credit area.