Consumer Finance
Trusted counsel on lending, collection and fintech compliance, litigation and policy
Government investigations. Consumer litigation. Licensing and registration. Payment processing. Loan agreements and servicing. Policies and compliance. Today’s consumer financial services companies need a team that understands every facet of their business. Brownstein’s experience in financial services regulation, deep relationships with legislators and regulators, and understanding of Congress’ and states’ work impacting the industry is essential when developing strategies to help clients achieve their goals and outpace peers.
Our multidisciplinary team of financial services attorneys and policy professionals collaborate to resolve issues ranging from IPOs for fintech companies and antitrust for student loan services to CFPB civil investigative demands (CIDs) for mortgage lenders and consumer class actions for debt collectors. We obtain state licenses under money transmitter and lending laws, develop policies to mitigate litigation and regulatory risk, and defend challenges brought under the ECOA, EFTA, Farm Credit Act, FCRA, FDCPA, FTC Act, GLBA, RESPA, Rosenthal Act, Sherman Act, privacy acts, TCPA, TILA and UCCC, among other consumer protection laws and regulations.
Your Brand
Regulation & Compliance
We help clients anticipate and comply with the evolving and heightened standards of government regulators. We closely monitor the activities of the CFPB, FTC, FCC, DOJ, state AGs and other federal and state regulators involved in implementing and enforcing consumer financial laws. Our regulatory and compliance team negotiates agreements and identifies risks before they leave your building or an examiner questions them. Leading consumer finance companies seek our advice to conduct risk assessments and implement effective compliance and audit programs for various regulatory regimes.
Congressional Advocacy
Our government relations professionals obtain balanced policy through improving agency rulemakings and guidance, working with Congress for regulatory reforms, drafting legislation, preparing witnesses and educating Congress on financial services issues. We routinely advocate for clients before financial services regulators including the CFPB, NCUA, FCC, FTC, SBA’s Office Advocacy, DOL and U.S. Treasury as well as state AGs. Our team develops and executes strategic plans focused on proactively building relationships across party lines with the goal of creating inroads to success.
Enforcement & Investigations
Regulatory agencies are increasingly exercising their influence in a growing number of legal and policy arenas that affect business interests. Our proactive style, solid relationships and litigation depth are key to successfully navigating the ever-evolving engagement of enforcement agencies. In addition to developing proactive relationships, we utilize attorneys from both sides of the political spectrum to guide clients through federal and state government investigations and enforcement proceedings with agencies such as the CFPB, FTC, GNMA, HUD and NCUA as well as state AGs and departments of financial services.
Litigation & Dispute Resolution
We help financial services clients resolve disputes—in court and out of court. Our litigators defend clients against class action certification, try and resolve cases in administrative, federal and state venues, and provide expert testimony on consumer finance topics. Our emphasis on collaboration and combined legal, government and business solutions means we provide creative strategies and help shape narratives surrounding investigations or litigation.
Our Team
Practice Chair
Office Managing Partner
Related Practices
