client protective

Our attorneys represent banks, mortgage and consumer finance companies, servicers and other consumer financial intermediaries in class action and individual litigation matters throughout the United States. These cases have raised challenges under federal consumer protection laws, including the Fair Housing Act, the Equal Credit Opportunities Act, the Real Estate Settlement Procedures Act, the Truth in Lending Act and the Fair Credit Reporting Act. In addition, our attorneys have defended consumer financial institutions against claims under the Consumer Financial Protection Act's prohibition of unfair, deceptive and abusive acts and practices ("UDAAP") and analogous state laws.

Our fair lending attorneys handle a variety of issues involving individual and class action defense, government enforcement and regulatory compliance. We represent clients in matters brought by the Consumer Financial Protection Bureau ("CFPB"), the DOJ, the OCC, the FDIC, the Federal Reserve Board, HUD, and comparable state financial service agencies. We regularly defend mortgage companies, banks and other consumer financial institutions against fair lending claims in federal and state courts.

Lawyers in Dorsey’s Banking Industry Group advise on all aspects of the FinTech sector. We help clients navigate the critical and ever-changing business, legal and regulatory issues associated with the technological disruption of financial services. We advise in the areas of litigation, regulatory, cybersecurity and privacy, intellectual property and corporate matters. For more information about Dorsey’s FinTech services, read more here.

Our attorneys regularly advise clients in preparation for, and conduct of the examination and supervision by federal banking agencies, including the CFPB. We regularly analyze policies and procedures for compliance with federal and state laws, conduct due diligence and evaluate enterprise risk and quality control systems.

As a result of the aggressive enforcement posture taken by the CFPB, Dorsey attorneys represent and defend clients against Civil Investigative Demands ("CIDs") and CFPB litigation, as well as the negotiation of proposed enforcement orders and civil money penalties.

Our attorneys perform due diligence or otherwise assess regulatory risks under federal and state consumer financial protection laws.

With extensive experience in a host of consumer product categories, Dorsey attorneys work with our consumer financial clients in product development, including compliance with state lending and usury law requirements, federal preemption, licensing and similar regulatory issues.