Area of focus

Consumer Finance Litigation

Consumer finance litigation is complex and demanding. It calls for experience, decisive judgment, and steady nerve.

Clients in the consumer finance space are subject to laws, rules, and regulations covering every aspect of their business operations. Our Consumer Finance Litigation team has unmatched knowledge and...

Representative experience

Representing a consumer lender in a matter involving the CFPB and DOJ relating to alleged discrimination by a group of mortgage brokers.

Defending clients in actions brought by individual borrowers, or groups of borrowers, in mass or class actions, attacking servicing or lending practices.

Successfully represent the lending industry, including banks, loan servicers, and trusts, in all New York state and federal courts.

Represent servicers and mortgage lenders in enforcement action by the New York Attorney General.

Represent lenders and loan servicers in more than a dozen mass and class actions by borrowers claiming entitlement to loan modification or improper denial.

Counsel and defend clients in actions involving mortgages, student, equipment, auto loans, and credit cards.

Securing an appellate win in the Second Circuit for a national bank in a federal foreclosure action for diversity of citizenship purposes.

Defending clients against claims under federal and state consumer protection statues, including TILA, RESPA, ECOA, FHA, FDCPA, and TCPA.

Represent clients in bankruptcy adversary actions and appeals.

Represent financial institutions in CFPB investigations and provide compliance advice.

Represent lenders and servicers in quiet title actions.

Successfully defended, through appeal, precedent-setting class actions concerning validity of automatic renewal and late-fee provisions.

Hogan Lovells Publications

IRS renews focus on cryptocurrency-related offenses

The Internal Revenue Service (IRS) has signaled for years that it would eventually bring enforcement actions against individuals who failed to report cryptocurrency gains. It appears that...

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Hogan Lovells Publications

New York imposes new requirements on reverse mortgage industry

On May 21, 2019, the New York legislature passed a bill that, if signed into law by the Governor, will create a “mini-UDAAP” specific to reverse mortgages and impose additional...

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Published Works

CFPB 2016 Roundup: Mortgage Enforcement Trends and Enforcement Authority Examined Westlaw Journal Bank & Lender Liability, Volume 22, Issue 20

Last year the CFPB initiated fewer enforcement actions in the mortgage industry than in 2015.  The Bureau nonetheless remained actively engaged in regulating mortgage lenders and...

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Published Works

Boundaries Unknown: CFPB in the Mortgage Industry New York Law Journal

The Dodd-Frank Wall Street Reform and Consumer Protection Act prohibits mortgage lenders and servicers (and other covered persons or service providers) from committing unfair, deceptive or...

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