
Background
Parses laws and complex regulatory changes. Well-connected financial services industry professional. Builds coalitions of like-minded stakeholders to advance positions and policies.
Leah Dempsey, co-chair of the financial services practice, is a lawyer and advocate with a unique ability to lead efforts bridging policy, financial and telecommunications laws, regulations and politics. She advises several trade associations and helps a range of businesses in the financial services, housing, capital markets and fintech marketplaces navigate rulemaking and legislative processes.
Leah advocates before the Consumer Financial Protection Bureau, National Credit Union Administration, Federal Communications Commission, Federal Trade Commission, Small Business Administration Office of Advocacy, Department of Labor, the U.S. Treasury, the U.S. Securities and Exchange Commission, the Federal Housing Finance Agency, the Department of Housing and Urban Development, as well as other regulators.
Leah also helps organizations understand their rights and options when facing regulatory supervision and enforcement activity. She has a deep understanding of the Administrative Procedure Act, the Small Business Regulatory Enforcement Fairness Act process and the Congressional oversight tools needed to ensure a fair and transparent process for businesses and industries. Leah has advocated for reforms to dozens of federal rulemakings and related legislation in Congress on her client’s behalf. She also regularly works with colleagues to challenge agency overreach through litigation and amicus briefs in courts around the country including the U.S. Supreme Court.
During her time in executive and leadership roles at financial trade associations in Washington, Leah fostered strong relationships on Capitol Hill and at federal agencies. She served as vice president and senior counsel for federal advocacy at ACA International, where she led efforts to develop and implement the industry agenda for third-party agencies, asset buyers, vendors, banks and other creditors. She also represented thousands of credit unions across the country as senior director of advocacy and counsel at Credit Union National Association (CUNA), leading its Consumer Protection Advocacy team. Prior, she worked on the legal team for several Republican candidates.
Practices:
- Appellate Litigation
- Consumer Finance
- Federal Administrative & Regulatory Policy
- Government Relations
- Financial Services
- Technology & Telecommunications
Industries:
Deals
Default Deals Content
Representative Matters
Enter experience information
Insights & Publications
Insights & Publications
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FHFA Reverses Course on Bi-Merge; Opens Door to VantageScore 4.0
Brownstein Client Alert, July 14, 2025 -
Brownstein Appeals Case to the United States Supreme Court
Brownstein Client Alert, July 1, 2025 -
Courts No Longer Have to Follow FCC Rulings
Brownstein Client Alert, June 23, 2025 -
Regulatory Reset: CFPB Moves to Rescind Rules and Advance New Proposals
Brownstein Client Alert, June 9, 2025
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2025 Federal Update: A Critical Look at ARM Policy & Advocacy
Co-Speaker, 2025 Annual Conference, Florida Collectors Association, May 20, 2025 -
Regulatory Changes
Co-Speaker, SUCP Summit, Credit Union Collection Professionals, May 15, 2025 -
CFPB Changes Approach to Guidance
Brownstein Client Alert, May 14, 2025
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CFPB Drops Indirect Lending Case
Brownstein Client Alert, April 29, 2025
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Brownstein Secures Regulatory Relief Promoting Credit Access and Affordability
Brownstein Client Alert, April 24, 2025
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State of the Collection Industry
Co Speaker, 20th Annual Credit and Collection News Conference, Credit and Collection News, April 22, 2025 -
White House Advances Deregulatory Agenda
Brownstein Client Alert, April 18, 2025
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“Strike Force” and Junk-Fee Bans Could Exacerbate High Housing Costs
Co-Author, Washington Legal Foundation, March 20, 2024
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Consumer Financial Services Committee, Business Law Section
Panelist, American Bar Association, Jan. 23-26, 2025
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How Does the Budget Reconciliation Process Work? What Provisions Might Be Included That Could Impact Our Industry?
Panelist, Women in Housing Finance, March. 13, 2025
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Capital Framework Changes Will Strike Better Balance
Co-Author, Mortgage Banker Magazine, May 1, 2023
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The New DC – Views from a Changing Washington in 2025
Speaker, Viewpoint Regional Summit, ACUMA, April 8, 2025 -
Regulating Digital Dollars: How Federal Bills Stack Up
Brownstein Client Alert, March 27, 2025
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Delete, Delete, Delete: FCC Announces Deregulatory Initiative
Brownstein Client Alert, March 19, 2025
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CDFIs Under Threat in New Executive Order
Brownstein Client Alert, March 18, 2025
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DEI in the Current Political and Legal Landscape
Panelist, Navigating Challenges and Creating Opportunities for Our Employees, Members, and Credit Unions to Thrive, America's Credit Unions, March 2, 2025
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ACA Insights – A Federal and State Advocacy Update
Co Speaker, 2025 Committee of 100 Meeting, ACA International, Feb. 27, 2025 -
CFPB in the Trump Administration Crosshairs
Brownstein Client Alert, Feb. 12, 2025
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Trump Administration’s Early Actions on Digital Assets
Brownstein Client Alert, Feb. 4, 2025
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Breaking Down a New Day at the CFPB
Brownstein Client Alert, Feb. 3, 2025
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Predictions & Prognostications: How the Election Might Impact Regulatory Issues in the Debt Collection Industry and Larger Consumer Financial Services Space
Moderator, Consumer Financial Services Committee, Winter Meeting, American Bar Association, Jan. 25, 2025 -
CFPB Urges States to Enact Consumer Protections
Brownstein Client Alert, Jan. 21, 2025 -
Few Fees are Really Junk Fees
Podcast Guests, ACUMA ONpoint, June. 28, 2024
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FTC Concludes its “Junk Fee” Crackdown
Brownstein Client Alert, Dec. 18, 2024
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How the Loper Decision Will Change the Administrative State
Brownstein Podcast Series, Dec. 18, 2024 -
CFPB Finalizes Controversial Overdraft Overhaul
Brownstein Client Alert, Dec. 18, 2024
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Potential Priorities for Trump SEC Chair Nominee, Paul Atkins
Brownstein Client Alert, Dec. 5, 2024
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CFPB Classifies Data Brokers as Credit Reporting Agencies in New Proposal
Brownstein Client Alert, Dec. 6, 2024
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The Congressional Review Act: What It Is and How It Might Be Used in the 119th Congress
Brownstein Client Alert, Dec. 3, 2024
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FTC to Shift Rulemaking Priorities in the Trump Administration
Brownstein Client Alert, Nov. 25, 2024
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Crypto Policy Outlook in the Trump Administration
Brownstein Client Alert, Nov. 15, 2024
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Major Changes Ahead at the SEC in the Trump Administration
Brownstein Client Alert, Nov. 12, 2024
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CFPB and FHFA on List of Agencies to See Course Change Under Trump
Brownstein Client Alert, Nov. 8, 2024
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Strategic Shifts in Housing and Political Landscapes
Guest, ACUMA’s ONpoint Podcast, Oct. 25, 2024
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CFPB Finalizes Data Sharing Rule
Brownstein Client Alert, Oct. 24, 2024
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FCC Announces Effective Date for New Revocation of Consent Order
Brownstein Client Alert, Oct. 17, 2024
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Recent SCOTUS Decisions’ Impact on Banking and Financial Services Regulation
Presenter, Webinar, Strafford, Sept. 25, 2024
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Regulators Finalize New Approach to Bank Mergers
Brownstein Client Alert, Sept. 25, 2024
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CFPB Publishes Overdraft Fee Guidance
Brownstein Client Alert, Sept. 18, 2024
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Navigating Regulatory Shifts & Election Impacts: What to Watch For
ACUMA's ONpoint Podcasts: Policy Updates, ACUMA, Aug. 30, 2024
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FCC Proposes New AI-Generated Robocall Rules
Brownstein Client Alert, Aug. 16, 2024
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Biden Calls for Restrictions on Rent Increases
Brownstein Client Alert, July 17, 2024
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Supreme Court Strikes Down Chevron, Reshapes Administrative Law
Brownstein Client Alert, July 2, 2024
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FHFA Asks for Input on FHLBanks
Brownstein Client Alert, June 14, 2024
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CFPB Releases Proposal to Remove Medical Debt from Credit Reports
Brownstein Client Alert, June 12, 2024 -
How to Protect Your Business in an Election Year
Presenter, ACA International Convention, The Association of Credit and Collection Professionals, July 22, 2024
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Debt Collections and the FDCPA: What You Need to Know
Presenter, Online Lenders Alliance Compliance U, Online Lenders Alliance, July 16, 2024
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What Credit Reporting Changes Mean to You – Even If You Don’t Credit Report
Presenter, Healthcare Financial Management Association, June 25, 2024
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ACUMA Federal Policy & Regulatory Update: The Current State of Play in Washington, DC
Presenter, ACUMA FOCALpoint Workshop, American Credit Union Mortgage Association, June 11, 2024
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CFPB Publishes Final Nonbank Registry Rule
Brownstein Client Alert, June 5, 2024 -
CFPB Releases RFI on Mortgage Closing Costs
Brownstein Client Alert, May 31, 2024
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House Passes Landmark Crypto Bill
Brownstein Client Alert, May 30, 2024
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SCOTUS Upholds CFPB Funding Mechanism
Brownstein Client Alert, May 17, 2024
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BREAKING: FTC Votes to Issue Final Noncompete Rule
Brownstein Client Alert, April 23, 2024
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AI, Housing and All that Regulatory Jazz
Podcast Guest, ACUMA's ONpoint Podcasts: Policy Updates, ACUMA, April 26, 2024
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Fiduciary Rule 4.0 Released
Brownstein Client Alert, April 24, 2024
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FTC Set To Vote on Final Noncompete Rule
Brownstein Client Alert, April 18, 2024
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Data Privacy Strikes Back: American Privacy Rights Act
Brownstein Client Alert, April 11, 2024
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The SEC Stays Its Own Climate Rule—What’s Next?
Brownstein Client Alert, April 9, 2024 -
SEC Approves Scaled-Back but Highly Impactful Climate Disclosure Final Rule
Brownstein Client Alert, March 7 , 2024
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CFPB Final Rule Caps Credit Card Late Fees at $8
Brownstein Client Alert, March 5, 2024
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The Changing Litigation and Regulatory Environment for DEI
Panelist, America’s Credit Unions Government Affairs Conference, America’s Credit Unions, March 6, 2024
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What Exactly is a “Junk” Fee?
Panelist, America’s Credit Unions Government Affairs Conference, America's Credit Unions, March 5, 2024
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An Election Year Changes Everything
Podcast Guest, On Point Podcasts, ACUMA, Feb. 23, 2024
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FCC Declares AI-Generated Calls Subject to TCPA
Brownstein Client Alert, Feb. 14, 2023
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House Efforts to Target Robocalls and AI Would Impact Informational Business Calls and Text
Brownstein Client Alert, Feb. 7, 2024
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Public Policy Update
Speaker, VIEWpoint Regional Summits, American Credit Union Mortgage Association, March 5 and April 9, 2024
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CFPB Targets Banks and Credit Unions in Controversial Overdraft Proposal
Brownstein Client Alert, Jan. 18, 2023 -
CLE: Federal and State Efforts to Throw Out ‘Junk’ Fees
Speaker, FCBA CLE Webinar, Federal Communications Bar Consumer Protection Committee, Jan. 22, 2024
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Advocacy Outlook in 2024 – Practical Impacts of Congressional & Regulatory Decisions on Credit Unions
Speaker, Credit Union Board of Directors Conference, Credit Union National Association, Jan. 14, 2024
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New CFPB Rules Push the Credit Limit
Brownstein Podcast, Jan. 2, 2024
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FCC Upends the Lead Generation Industry
Brownstein Client Alert, Dec. 20, 2023 -
A Look Ahead into Financial Services Policy in 2024
Brownstein Client Alert, Dec. 18, 2023
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Federal and State Efforts to Throw Out ‘Junk’ Fees
Speaker, CLE Webinar, FCBA Consumer Protection Committee, Nov. 28, 2023
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Intrigue and a Little Mystery—The Latest CFPB Insights & More
Panelist, Fall Forum, ACA International, Nov. 9, 2023
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CFPB Seeks to Fundamentally Alter the Credit Reporting Process and Use of Public Data
Brownstein Client Alert, Nov. 9, 2023
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Updated Retirement Fiduciary Guidance Issued by Biden Administration
Brownstein Client Alert, Nov. 7, 2023
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White House Releases Wide-Ranging Executive Order on Artificial Intelligence
Brownstein Client Alert, Nov. 3, 2023
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CFPB Proposes Long-Awaited Data Sharing Rule
Brownstein Client Alert, Oct. 25, 2023
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White House, CFPB, FTC Advance “Junk Fee” Crackdown
Brownstein Client Alert, Oct. 16, 2023
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CFPB Unfairness Authority Limited by Court
Brownstein Client Alert, Sept. 21, 2023 -
DOL Proposes Changes to Employees’ Overtime Pay
Brownstein Client Alert, Sept. 6, 2023
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PCAOB Standards Amendments Could Increase Auditor Responsibilities
Brownstein Client Alert, Aug. 3, 2023
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Briefs Pour in as the CFPB’s Fate Hangs By a Thread
Brownstein Client Alert, July 26, 2023
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SEC Releases Aggressive New Cybersecurity Disclosure Requirements
Brownstein Client Alert, Aug. 2, 2023 -
The Forefront of Federal & State Advocacy
Co-Speaker, ACA International Convention and Expo 2023, ACA International, July 27, 2023 -
A Quiet Policymaking Power Grab
Brownstein Client Alert, July 10, 2023 -
Treasury’s FIO Releases Report: ‘Insurance Supervision and Regulation of Climate-Related Risks’
Brownstein Client Alert, July 5, 2023 -
Congress Pushes Back on Legal Authority for CFPB to Collaborate with State Attorneys General
Brownstein Client Alert, Aug. 9, 2022
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FCC Updates Rules on Consumers Revoking Consent for Calls and Texts
Brownstein Client Alert, June 13, 2023
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ARM Industry Advocates Discuss the 118th Congress Outlook + Preparation for Capitol Hill Visits
Speaker, Washington Insights, ACA International, May 16, 2023
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Update on ACA’s Work on Call Blocking and Labeling and Text Blocking
Speaker, Washington Insights, ACA International, May 16, 2023
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View From Congress
Panelist, FHLBanks Directors Conference, FHLBanks, May 24, 2023
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Creditors Are Impacted by Regulation F in Several Ways, Including Through State Law
Speaker, Conference on Consumer Finance Law, June 2023
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FHFA Commits to Flexible Timeline for Transitioning Credit Score Model Validation
Brownstein Client Alert, June 1, 2023
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Chevron Deference on the Chopping Block? Supreme Court to Hear Case That Could Change Landmark Precedent
Brownstein Client Alert, May 24, 2023 -
Crypto Policy Questions Linger Weeks After Historic Banking Crisis
Brownstein Client Alert, March 31, 2023 -
GOP Moves Forward on Bill to Force CFPB Transparency
Brownstein Client Alert, May 2, 2023
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D.C. Policymakers Take Aim at Tenant Screening Issues
Brownstein Client Alert, April 28, 2023
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Trade Groups and Policymakers Criticize CFPB Nonbank Registries Pointing to Overreach
Brownstein Client Alert, April 3, 2023
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OMB Contemplates Changes to Buy America Guidance
Brownstein Client Alert, March 24, 2023
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FCC Takes First Steps to Curb Scam Texts, Looks to Clamp Down on Lead Generators
Brownstein Client Alert, March 20, 2023 -
Credit reporting trends at the CFPB impacting collections, FCC – call /text blocking and labeling, and the aftermath of Regulation F
Presenter, NCUCA Conference, National Credit Union Collections Alliance, April 12, 2023
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Bank Failures Spark Liquidity Injection from FHLBanks
Brownstein Client Alert, March 16, 2023
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SVB and Signature Bank Fallout: How to Assess Your Legal Risk and Next Steps
Brownstein Client Alert, March 13, 2023 -
FHFA Releases Fannie Mae and Freddie Mac Framework
Brownstein Client Alert, March 6, 2023
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Supreme Court Agrees to Hear CFPB Constitutionality Case
Brownstein Client Alert, March 1, 2023
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Industry Issues, Answers & Politics
Panelist, Conference of Automotive Remarketing (Car Conference), March 29, 2023
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Biden Administration Announces Crackdown on “Junk Fees”
Brownstein Client Alert, Feb. 6, 2023
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The Biden Administration Announces New Actions Related to Rental Affordability
Brownstein Client Alert, Jan. 27, 2023
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CFPB Proposes Big Brother Tactics for Consumer Contracts
Brownstein Client Alert, Jan. 17, 2023
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Online Lenders Alliance Political Webinar
Speaker, Online Lender Association, Jan. 17, 2023
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The Next Two Years with the CFPB
Author, Collector, Jan./Feb. 2023
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Industry Groups Weigh in Before the U.S. Supreme Court on FCRA Preemption Issue
Brownstein Client Alert, Dec. 23, 2022
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CFPB Invites Comments on Proposed Registry of Nonbank Financial Firms
Brownstein Client Alert, Dec. 19, 2022
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White House, CFPB and FTC Continue Down Path to Eliminate “Junk Fees”
Brownstein Client Alert, Nov. 7, 2022
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FCC Declares Ringless Voicemails to Be Calls Subject to the TCPA
Brownstein Client Alert, Nov. 30, 2022 -
FHFA Continues Its Comprehensive Review of the FHLBank System
Brownstein Client Alert, Nov. 22, 2022
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As the Smoke Clears from the Election
Panelist, The ACA Huddle, ACA International, Nov. 16, 2022
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Financial Services Policy Outlook in Congress, the Administration, and the States
Panelist, 2022 Fall National Credit Union Roundtable, Credit Union National Association, Nov. 17, 2022
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CFPB Funding Structure Heads to Supreme Court in the Wake of Election
Brownstein Client Alert, Nov. 17, 2022
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The Current State of the Telephone Consumer Protection Act
Author, American Bar Association's Consumer Financial Services Committee Newsletter, June 2017
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Constitutionality of CFPB Funding Structure in the Crosshairs
Brownstein Client Alert, Oct. 25, 2022 -
FCC to Address Illegal Text Messages
Brownstein Client Alert, Oct. 3, 2022
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Congress Demands Answers About CFPB Authority for Recent Policymaking
Brownstein Client Alert, Sept. 26, 2022
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Where the Rubber Meets the Road: Decrypting the Alphabet Soup of Reg F, FCRA, FDCPA, and SCRA
Presenter, Consumer Financial Services Conference, The Conference on Consumer Finance Law, October 20-21, 2022
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Medical Debt
Speaker, Business Law Section Annual Meeting 2022, American Bar Association, September 15, 2022 -
Hunstein Decision Informs Financial Services Industry Use of Third Party Vendors
Brownstein Client Alert, Sept. 13, 2022
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An Overview of the TCPA and Arbitration Legislation in the 117th Congress
Co-Presenter, ACA Huddle, Aug. 9, 2022
- Fighting Back Against Naming and Shaming and Other Overreach at the CFPB
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New Legislation Would Expand the Telephone Consumer Protection Act
Brownstein Client Alert, July 21, 2022
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Crackdown on Consumer Fees Continues at Federal Agencies
Brownstein Client Alert, June 29, 2022
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Medical Debt Burden, History of How We Got Here and Where We Are Going
Speaker, Annual Legislative Day, American Association of Healthcare Administrative Management, June 22, 2022 -
Update on Federal Debt Collection Issue
Presenter, National Association of Property Managers, 2022 Legislative and Educational Conference, June 13, 2022
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New FTC Telemarketing Rule Could Affect More Than Just Telemarketers
Brownstein Client Alert, June 7, 2022
- Medical Debt Reporting Update
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Federal Agency Update – Breaking Down Changes and Activities at Federal Agencies
Panelist, 2022 Washington Insights Fly-In, ACA International, May 19, 2022
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Brightening Skies: How Regulatory Changes Will Fuel Digital Transformation and Customer Engagement and Tackling New Debt Collection Regulations and Policy: Opportunities in Loss Prevention
Speaker, FICO World 2022, May 11 and 12, 2022
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Civil Rights Audits: A Good Value
Brownstein Client Alert, May 12, 2022 -
New Credit Score Models and Credit Reporting Are a Focus of Federal Agencies
Brownstein Client Alert, May 11, 2022
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CFPB Director’s Testimony Provides Glimpses into Overdraft Protection Plans
Brownstein Client Alert, April 29, 2022
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CFPB Blog Hints at Expanding FDCPA to Commercial Collections
Brownstein Client Alert, March 21, 2022
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Interview about CFPB Issues for Credit Unions
Participant, CU Broadcast, Feb. 22, 2016
- How the New DOL Overtime Rule Impacts Credit Unions
- Arbitration
- The Consumer Regulation Regime for 2017
- CFPB Small Dollar Loan Rule
- Small Dollar Lending
- ADA Litigation Webinar
- Credit Union National Association Government Affairs Conference
- ACA International Annual Convention Washington Update
- ACA International Annual Convention Washington Update
- The Upcoming Supreme Court Case Facebook, Inc. v. Duguid et al. and Key Legal Issues under the TCPA
- Recent Developments with FDCPA Rulemaking, Emerging Technology and Litigation
- Steps the FCC Is (or Should Be) Taking to Address Unwanted Robocalls
- Legislative Developments Impacting the Collections Industry
- Dealing with Robocalls: The Continued Battle Against Robocalls and Unfinished Business with the TCPA
- ACA International Washington Insights Virtual Fly-In
- Federal and State Debt Collection Policy: The Path Ahead
- Debt Collection: Predictions, Regulations, Communication, and Litigation
- Fair Access to Financial Services Panel
- Discussion on How to Advocate in Washington, D.C.
- The Debt Collection Rule: Communications, Disclosure, and the Changes You Need to Know
- “Basics” about the FDCPA
- The TCPA and Robocalls: Recent Developments and the Road Ahead
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Government Focus on Medical Debt and Credit Reporting Could Impact Various Industries
Brownstein Client Alert, April 14, 2022
- Dramatic Changes to The TCPA Landscape from Congress, the FCC, to the Supreme Court – Calling Cellphones and landlines May Never Be the Same
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ACA International Annual Convention the Huddle Live
Featured Speaker, ACA International, July 28, 2021
- American Financial Services Association Law Committee presentations on Consumer Financial Protection Bureau Debt Collection Rules
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PLI Institute on Telecommunications Policy & Regulation
Speaker, PLI Institute, Dec. 8, 2022
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Will Operation Choke Point Rise Again
Author, ACA International Collector Magazine, April 2021
- Dissecting the Aftermath of Hunstein – Where does the Financial Services Industry go from here?
- The CFPB Under the New Leadership – Breaking Down the Busy Year Ahead
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Weekly ACA International’s ‘Huddle’
Speaker, ACA International, Weekly
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Combatting Misguided Legislation
Author, ACA International Collector Magazine, July/Aug 2021
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A New Era of Leadership at the CFPB
Author, ACA International Collector Magazine, Jan./Feb. 2022
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Best Practices for Resolution of Medical Accounts
Co-Author, Healthcare Financial Management Association Task Force Report, 2020
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Long-Awaited CFPB Debt Collection Rulemaking Set to Go into Effect
Author, American Bar Association's Consumer Financial Services Committee Newsletter, September 21, 2021
News
News
- Leah Dempsey Discusses SCOTUS TCPA Implications and Challenges
- Leah Dempsey Discusses the Chevron Deference Overturned by the Supreme Court
- Leah Dempsey Discussed the Implications of SCOTUS Overturning the Chevron Deference
- Leah Dempsey Discusses CFPB Medical Debt Proposal
- Leah Dempsey Discusses White House Medical Debt Credit Score Proposal
- Leah Dempsey Discusses Potential “Junk Fee” Elimination Ruling
- Leah Dempsey Discusses New DOL Rules Impact on American Credit Industry
- Leah Dempsey Quoted on CFPB Case
- Leah Dempsey Joins Brownstein’s Government Relations Practice
Credentials
Education
J.D., 2010, University of Baltimore School of Law
B.A., 2006, University of Delaware
Admissions
Washington, D.C.
Maryland
Supreme Court
Memberships
Chair, Debt Collection and Bankruptcy Subcommittee, American Bar Association Consumer Financial Services Committee
Board Member, Women in Housing and Finance
Exchequer Club of Washington, D.C.
Community Involvement
COMMUNITY INVOLVEMENT:
Executive Committee, Lawyers Campaign Against Hunger, Maryland Food Bank
St. Peter’s Church on Capitol Hill
Recognition
RECOGNITIONS:
Top Washington Lobbyist, The Hill, 2020 and 2021
Recognized as 40 under 40 by Women in Housing and Finance, 2019
Recognized as 20 Most Powerful Women in Collections, Collection Advisor Magazine, 2018

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