Consumer finance companies face regulatory compliance, consumer rights, and other operational challenges in building successful businesses. The attorneys in our Consumer Finance industry group support and protect these clients in litigation, compliance, enforcement, and corporate matters.

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Overview

Consumer finance companies face regulatory compliance, consumer rights, and other operational challenges in building successful businesses. The attorneys in our Consumer Finance industry group support and protect these clients in litigation, compliance, enforcement, and corporate matters.

The Consumer Financial Services industry is one of the most heavily regulated industries in the United States. Regulatory reform enacted in the wake of the financial crisis brought sweeping changes to the financial services sector, and the industry can expect further changes in the wake of the COVID-19 crisis. Consumer financial services providers require shrewd compliance and litigation counsel to navigate regulatory supervision, enforcement actions, and litigation matters. Clients working with the practice group gain access to the collective strength of industry-leading former in-house counsel, former governmental enforcement attorneys, experienced consumer rights and regulatory litigators, and veteran transactional attorneys.

Consumer Finance Regulatory Compliance Counsel

Our Consumer Financial Services Regulatory practice actively advises financial services companies of all types and sizes on federal and state regulations, legislation, supervision, examination, licensing, and compliance matters. Our team consists of veteran consumer finance attorneys and former government attorneys with significant experience navigating complex regulatory landscapes. We closely monitor the activities of the Consumer Finance Protection Bureau (CFPB), Federal Trade Commission (FTC), U.S. Department of Justice (DOJ), and state regulators in implementing and enforcing consumer financial laws.

Our team of attorneys across the United States advises clients on compliance with various federal and state regulations and identifies rulemaking initiatives and emerging enforcement and regulatory trends. Our diverse national practice group enables us to collaborate across practices and geographies to deliver the exceptional and cost-effective service that our clients require.

Enforcement and Investigation Counsel

Our representation covers all stages of enforcement proceedings, from advising companies on whether to self-disclose a suspected violation, to responding to and resolving government inquiries. We routinely negotiate positive resolutions to thorny matters and represent the boards and special committees of companies, as well as individual officers and employees. We have extensive experience leading high-profile internal investigations. Perkins Coie attorneys, many of whom are former government enforcement attorneys themselves, have wide-ranging experience representing financial service providers on complex matters including CFPB and state supervisory examinations, defense in DOJ, CFPB, FTC, and state enforcement actions, and compliance with federal and state prohibition against unfair, deceptive, or abusive acts or practices.

Consumer Finance Litigation Counsel

The Consumer Financial Services litigation group handles a wide variety of matters affecting the consumer finance industry. We regularly advise and defend national, regional, and local finance services companies, including mortgage lenders and servicers, student loan lenders and servicers, credit card companies, consumer finance companies, and other financial institutions.

Our litigation team consists of experienced trial attorneys with a breadth of experience litigating on behalf of our clients in disputes in federal and state courts across the country. Our experienced class action attorneys and former in-house general counsel, DOJ, and GSE attorneys regularly handle complex and sophisticated consumer class actions brought against consumer finance companies. Our goal is to prevail—or, if necessary, skillfully avoid—potentially devastating litigation with uncapped exposure or zealous regulators. Our practice also consists of a dedicated team that has effectively and efficiently defended nearly 1,000 mortgage servicing cases brought by individual borrowers. For these matters, we offer fixed fee or other value-added billing structures for our clients.

The Consumer Financial Services industry is one of the most heavily regulated industries in the United States. Regulatory reform enacted in the wake of the financial crisis brought sweeping changes to the financial services sector, and the industry can expect further changes in the wake of the COVID-19 crisis. Consumer financial services providers require shrewd compliance and litigation counsel to navigate regulatory supervision, enforcement actions, and litigation matters. Clients working with the practice group gain access to the collective strength of industry-leading former in-house counsel, former governmental enforcement attorneys, experienced consumer rights and regulatory litigators, and veteran transactional attorneys.

Consumer Finance Regulatory Compliance Counsel

Our Consumer Financial Services Regulatory practice actively advises financial services companies of all types and sizes on federal and state regulations, legislation, supervision, examination, licensing, and compliance matters. Our team consists of veteran consumer finance attorneys and former government attorneys with significant experience navigating complex regulatory landscapes. We closely monitor the activities of the Consumer Finance Protection Bureau (CFPB), Federal Trade Commission (FTC), U.S. Department of Justice (DOJ), and state regulators in implementing and enforcing consumer financial laws.

Our team of attorneys across the United States advises clients on compliance with various federal and state regulations and identifies rulemaking initiatives and emerging enforcement and regulatory trends. Our diverse national practice group enables us to collaborate across practices and geographies to deliver the exceptional and cost-effective service that our clients require.

Enforcement and Investigation Counsel

Our representation covers all stages of enforcement proceedings, from advising companies on whether to self-disclose a suspected violation, to responding to and resolving government inquiries. We routinely negotiate positive resolutions to thorny matters and represent the boards and special committees of companies, as well as individual officers and employees. We have extensive experience leading high-profile internal investigations. Perkins Coie attorneys, many of whom are former government enforcement attorneys themselves, have wide-ranging experience representing financial service providers on complex matters including CFPB and state supervisory examinations, defense in DOJ, CFPB, FTC, and state enforcement actions, and compliance with federal and state prohibition against unfair, deceptive, or abusive acts or practices.

Consumer Finance Litigation Counsel

The Consumer Financial Services litigation group handles a wide variety of matters affecting the consumer finance industry. We regularly advise and defend national, regional, and local finance services companies, including mortgage lenders and servicers, student loan lenders and servicers, credit card companies, consumer finance companies, and other financial institutions.

Our litigation team consists of experienced trial attorneys with a breadth of experience litigating on behalf of our clients in disputes in federal and state courts across the country. Our experienced class action attorneys and former in-house general counsel, DOJ, and GSE attorneys regularly handle complex and sophisticated consumer class actions brought against consumer finance companies. Our goal is to prevail—or, if necessary, skillfully avoid—potentially devastating litigation with uncapped exposure or zealous regulators. Our practice also consists of a dedicated team that has effectively and efficiently defended nearly 1,000 mortgage servicing cases brought by individual borrowers. For these matters, we offer fixed fee or other value-added billing structures for our clients.

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