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Consumer Financial Services Litigation

Consumer financial services clients facing litigation from single plaintiff lawsuits to mass actions to multi-district class action litigation turn to RSHC for our multidisciplinary approach, mass and class action experience, and courtroom acumen.

We are litigators and trial lawyers who have extensive experience in state and federal courts throughout the United States. Members of our consumer financial services team are admitted to practice throughout the country, including California, New York, Illinois, Missouri, Washington, Oregon, and Michigan.

Our broad experience in governmental regulatory and enforcement actions gives us the experience to counsel and defend our clients during civil investigations and proceedings brought by entities such as the Federal Trade Commission, state attorneys general, Consumer Financial Protection Bureau, state consumer protection agencies, and other regulatory authorities.

Our lawyers have represented banks, credit unions, mortgage lenders and servicers, insurance companies, auto finance companies, credit card issuers, credit card marketers and servicers, telecom providers, check authorization companies, consumer reporting agencies, debt buyers, collection professionals and retailers.

Having represented numerous mortgage banks and servicers in thousands of cases—including some of the most challenging and visible lawsuits—throughout the country during the 2008 financial crisis and subsequent years, our team members have particular experience in all types of mortgage litigation. In recent years, we have developed a focus on reverse mortgage litigation, which presents an entirely different set of litigation, regulatory and public relations issues than forward mortgages.

Our capabilities also extend to related areas of privacy, data security breach, counterclaims in foreclosure actions, enforcement of arbitration agreements, and general commercial litigation.

Our lawyers have defended consumer financial services industry clients in actions asserting claims for violations of both state and federal consumer credit laws, including:

  • Truth in Lending Act (TILA) 
  • FTC Act
  • Consumer Leasing Act (CLA)
  • RICO
  • Real Estate Settlement Procedures Act (RESPA)
  • State interest and usury laws
  • Equal Credit Opportunity Act
  • State consumer protection and unfair and deceptive acts or practices statutes (UDAP)
  • Fair Debt Collection Practices Act (FDCPA)
  • FTC holder rule and FTC regulations
  • Fair Credit Reporting Act (FCRA)
  • Unauthorized practice of law claims
  • Telephone Consumer Protection Act (TCPA)
  • Fair and Accurate Credit Transactions Act
  • Computer Fraud and Abuse Act
 
  • Credit CARD Act of 2009
 
  • Credit Repair Organizations Act
 
   

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