Consumer Financial Services Litigation. Smith Debnam Law.

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Consumer Financial Services Litigation

Practice Areas

Consumer Financial Services Litigation

At Smith Debnam, our Consumer Financial Services Litigation unit brings a wealth of experience in the consumer financial services sector, both in litigation and compliance matters. Our attorneys advise on regulatory matters, provide counsel in the design and documentation of credit products, and defend the collection and credit industries in state and federal litigation, as well as regulatory matters.

Compliance & Creditor Defense

Consumer financial services providers must wade through an increasingly complex regulatory environment, particularly in light of the sweeping supervisory and enforcement authority of the Consumer Financial Protection Bureau. Our litigators are highly experienced in defending consumer financial providers and members of the collection industry with matters involving a bevy of consumer protection laws.

We counsel an expansive list of clients on compliance and licensing matters to prevent future litigation and mitigate risks associated with litigation. From banks and non-bank financial services companies, mortgage servicers and originators to payday lenders, private student lenders, and auto finance companies, we advise on measures clients can take to ensure compliance with applicable statutes.

We regularly defend financial services providers in litigation matters involving the full range of laws and regulations surrounding the consumer finance industry, including federal and state consumer credit laws, fair and responsible lending claims, challenges to loan servicing involving consumers in bankruptcy, and federal and state UDAP claims, just to name a few.

Compliance & Defense Services

  • CONSUMER FINANCIAL PROTECTION BUREAU
  • FAIR DEBT COLLECTION PRACTICES ACTS
  • UNFAIR & DECEPTIVE ACTS AND PRACTICES
  • FEDERAL CONSUMER LEASING ACT
  • TRUTH IN LENDING ACT
  • EQUAL CREDIT OPPORTUNITY ACT
  • FAIR CREDIT REPORTING ACT
  • TELEPHONE CONSUMER PROTECTION ACT
  • FAIR CREDIT BILLING ACT
  • FAIR CREDIT REPORTING ACT
  • FAIR & ACCURATE CREDIT TRANSACTIONS ACT
  • CONSUMER LEASING ACT
  • GRAMM LEACH BLILEY ACT
  • REAL ESTATE SETTLEMENT PROCEDURES ACT
  • HOME OWNERSHIP & EQUITY PROTECTION
  • CONSUMER FRAUD
  • STATE CONSUMER PROTECTION LAWS
  • PREDATORY LENDING PRACTICES
  • DODD-FRANK
  • USURY MATTERS
  • REGULATION Z
  • DECEPTIVE TRADE PRACTICES

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