2018 was a busy year in the consumer financial services world. As we navigate the continuing heavy volume of regulatory change and forthcoming developments from the Trump administration, Troutman Sanders is uniquely positioned to help its clients successfully resolve problems and stay ahead of the compliance curve.  

In this report, we share developments on consumer class actions, background screening, bankruptcy, FCRA, FDCPA, payment processing and cards, mortgage, auto finance, the consumer finance regulatory landscape, cybersecurity and privacy, and TCPA. 

We hope you find this helpful as you navigate the evolving consumer financial services landscape.

Access full report here.

 

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Photo of Jessica Lohr Jessica Lohr

Jessica defends consumer reporting agencies, national banking institutions, and mortgage loan servicers in federal and state courts, at both the trial and appellate levels, in the areas of complex litigation and business disputes, financial services litigation, and consumer litigation.

Photo of Tim J. St. George Tim J. St. George

Tim St. George defends institutions nationwide facing class actions and individual lawsuits. He has particular experience litigating consumer class actions, including industry-leading expertise in cases arising under the Fair Credit Reporting Act and its state law counterparts.

Photo of H. Scott Kelly H. Scott Kelly

Scott has developed an expertise representing clients in national class actions and complex business disputes – most notably in Fair Credit Reporting Act (FCRA), Fair Debt Collection Practices Act (FDCPA), Telephone Consumer Protection Act (TCPA), West Virginia Consumer Credit and Protection Act (WVCCPA),

Scott has developed an expertise representing clients in national class actions and complex business disputes – most notably in Fair Credit Reporting Act (FCRA), Fair Debt Collection Practices Act (FDCPA), Telephone Consumer Protection Act (TCPA), West Virginia Consumer Credit and Protection Act (WVCCPA), and Securities Exchange Act litigation.

Photo of Kathleen M. Knudsen Kathleen M. Knudsen

Kathleen assists clients in navigating complex business disputes, consumer litigation, and class actions.

Photo of Cindy D. Hanson Cindy D. Hanson

Consumer finance clients trust Cindy’s experience and skill to resolve their most challenging cases. Focused on class action defense, Cindy has handled numerous FCRA cases and is the point of contact for consumer protection defense.

Photo of Sarah Warren Smith Sarah Warren Smith

Sarah Warren specializes in financial services litigation, complex litigation, and business disputes.

Photo of S. Mohsin Reza S. Mohsin Reza

Mohsin specializes in representing corporate clients in complex litigation matters in state and federal courts.

Photo of Andrew Buxbaum Andrew Buxbaum

Andrew Buxbaum is Counsel in the firm’s Consumer Financial Services practice. Andrew provides clients with valuable strategy and analysis based on his vast experience in both private practice and in-house counsel positions. Andrew specializes in representing clients in the financial services industry (including…

Andrew Buxbaum is Counsel in the firm’s Consumer Financial Services practice. Andrew provides clients with valuable strategy and analysis based on his vast experience in both private practice and in-house counsel positions. Andrew specializes in representing clients in the financial services industry (including banks, lenders, mortgage companies, debt collection firms and loan servicers) in consumer litigation, bankruptcy, and regulatory compliance matters.

Photo of Meagan Mihalko Meagan Mihalko

Meagan Mihalko’s national practice includes defending both class action and individual matters involving federal consumer protection statutes like the Fair Credit Reporting Act (FCRA), the Fair Debt Collection Practices Act and the Telephone Consumer Protection Act.

Photo of Mark J. Windham Mark J. Windham

Mark Windham is an associate in the firm’s Consumer Financial Services practice. Mark’s practice includes representing national, regional and local banks, nonbank lenders, and mortgage servicers in federal and state litigation.

Photo of Ethan G. Ostroff Ethan G. Ostroff

Ethan Ostroff’s practice focuses on financial services litigation and consumer law compliance counseling. Ethan is part of the firm’s national practice representing consumer-facing companies of all types in defense of individual and class action claims and counseling them on compliance with federal and

Ethan Ostroff’s practice focuses on financial services litigation and consumer law compliance counseling. Ethan is part of the firm’s national practice representing consumer-facing companies of all types in defense of individual and class action claims and counseling them on compliance with federal and state laws.

Photo of Jonathan Floyd Jonathan Floyd

Jonathan Floyd represents clients in various state and federal venues, including New Jersey, New York, Pennsylvania, South Carolina, Tennessee, Virginia, West Virginia and Wisconsin, and handles arbitrations arising under the Federal Arbitration Act.

Photo of Stephen Lozier Stephen Lozier

Steve Lozier counsels banks, consumer reporting agencies and other financial services institutions on various litigation matters involving both state and federal law. Using knowledge gained through experience, Steve helps clients navigate litigation proceedings to reach an efficient and equitable outcome.

Photo of Jim Trefil Jim Trefil

James K. Trefil is counsel in Troutman Pepper’s Consumer Financial Services practice, with a primary focus on Financial Services Litigation. His practice includes the representation of clients in federal and state court, both at the trial and appellate level, with a focus on…

James K. Trefil is counsel in Troutman Pepper’s Consumer Financial Services practice, with a primary focus on Financial Services Litigation. His practice includes the representation of clients in federal and state court, both at the trial and appellate level, with a focus on areas of complex litigation, financial services litigation and consumer litigation. James has represented clients within these areas in a wide variety of litigation matters involving class actions, contracts, torts, and federal and state consumer protection laws.

Photo of Keith J. Barnett Keith J. Barnett

Keith’s experience representing clients in the financial services industry as a litigation, compliance, regulatory, investigations (internal and regulatory), and enforcement attorney spans 20 years. Keith represents clients against government regulators (CFPB, FTC, SEC, CFTC), industry regulators (FINRA), and private litigants in federal courts…

Keith’s experience representing clients in the financial services industry as a litigation, compliance, regulatory, investigations (internal and regulatory), and enforcement attorney spans 20 years. Keith represents clients against government regulators (CFPB, FTC, SEC, CFTC), industry regulators (FINRA), and private litigants in federal courts, state courts, and before arbitration and administrative law panels in the financial services industry.

Photo of Jonathan Kenney Jonathan Kenney

Jonathan Kenney manages class action and individual litigation with a primary focus on consumer law, business disputes and commercial disputes. He has particular experience in Kentucky and West Virginia, where he has successfully tried cases before both state and federal courts.

Photo of Jon S. Hubbard Jon S. Hubbard

Jon Hubbard is an attorney with substantial experience in the financial services and insurance industries. Jon represents clients across the country in class actions, consumer litigation, contract and insurance disputes, pre-litigation analysis, and regulatory compliance.

Photo of Lillian Macartney Lillian Macartney
Photo of Anna Jane Zarndt Anna Jane Zarndt

Anna Jane is an attorney in the Financial Services Litigation practice, whose focus includes the representation of clients in consumer law and commercial litigation. Her commercial bank litigation experience includes contractual breach, fraud and non-discharge cases, and representing creditors and debtors in matters…

Anna Jane is an attorney in the Financial Services Litigation practice, whose focus includes the representation of clients in consumer law and commercial litigation. Her commercial bank litigation experience includes contractual breach, fraud and non-discharge cases, and representing creditors and debtors in matters relating to bankruptcy protection.

Photo of Alan D. Wingfield Alan D. Wingfield

Alan Wingfield helps consumer-facing clients navigate compliance, litigation and regulatory risks posed by the complex web of state and federal consumer protection laws. He is a trusted advisor and tireless advocate, helping clients develop practical compliance and dispute-resolution strategies.

Photo of Ryan J. Strasser Ryan J. Strasser

A first-chair trial lawyer and a litigation partner in the firm’s Regulatory Investigations, Strategy + Enforcement (RISE) Practice Group, Ryan focuses his practice on the representation of clients at the intersection of enforcement actions, investigations, and civil litigation.

Photo of Stephen C. Piepgrass Stephen C. Piepgrass

Stephen represents clients interacting with, and being investigated by, state attorneys general and other enforcement bodies, including the CFPB and FTC, as well as clients involved with litigation, particularly in heavily regulated industries.

Photo of Amanda L. Genovese Amanda L. Genovese

Amanda focuses her practice on matters involving the Employee Retirement Income Security Act (“ERISA”), Health Insurance Portability and Accountability Act (“HIPAA”), Fair Debt Collection Practices Act (“FDCPA”), Telephone Consumer Protection Act (“TCPA”), Real Estate Settlement Procedures Act (“RESPA”), Fair Credit Reporting Act (“FCRA”)…

Amanda focuses her practice on matters involving the Employee Retirement Income Security Act (“ERISA”), Health Insurance Portability and Accountability Act (“HIPAA”), Fair Debt Collection Practices Act (“FDCPA”), Telephone Consumer Protection Act (“TCPA”), Real Estate Settlement Procedures Act (“RESPA”), Fair Credit Reporting Act (“FCRA”), and Truth in Lending Act (“TILA”).

Photo of Virginia Bell Flynn Virginia Bell Flynn

Virginia is a partner in the firm’s Consumer Financial Services practice and specifically within the Financial Services Litigation practice. She represents clients in federal and state court, both at the trial and appellate level in the areas of complex litigation and business disputes…

Virginia is a partner in the firm’s Consumer Financial Services practice and specifically within the Financial Services Litigation practice. She represents clients in federal and state court, both at the trial and appellate level in the areas of complex litigation and business disputes, health care litigation, including ERISA and out-of-network issues, and consumer litigation in over 21 states nationwide. As a result of new legal developments, she increasingly counsels clients to ensure they comply with the myriad of growing laws in the consumer law with a particular emphasis on the intersection of TCPA and HIPAA.

Photo of Chad R. Fuller Chad R. Fuller

Chad is a partner in the firm’s Consumer Financial Services practice with a primary focus in financial services litigation. He is an accomplished trial attorney who has served as lead counsel in state and federal courts across the country in which he represents…

Chad is a partner in the firm’s Consumer Financial Services practice with a primary focus in financial services litigation. He is an accomplished trial attorney who has served as lead counsel in state and federal courts across the country in which he represents clients in consumer class actions and general business litigation. Chad has particular speciality with the Telephone Consumer Protection Act, and has also broadened his practice into more traditional areas of health care litigation.