Fair & Responsible Banking

BuckleySandler has the nation’s leading fair and responsible banking practice. We have defended many of the most significant Department of Justice (DOJ) and Federal Trade Commission (FTC) fair lending and unfair and deceptive trade practice enforcement actions since the early 1990s and we have been involved in many of the major fair lending matters involving the Consumer Financial Protection Bureau (CFPB) since its inception. On behalf of our financial services clients, we also have defended numerous state attorney general, municipality and private fair and responsible lending cases. We also regularly advise clients on regulatory and compliance matters in the developing area of fair and responsible banking.

Our senior lawyers have more than 20 years of experience defending fair and responsible lending matters in private practice. Others have significant regulatory experience, having worked on fair and responsible lending issues at the Federal Reserve Board (FRB), the Office of the Comptroller of the Currency (OCC), and the FTC. Our team also includes former senior in-house legal counsel with fair and responsible lending and compliance risk management oversight responsibilities at some of the nation’s largest banks and other financial service companies.

BuckleySandler lawyers are involved on a daily basis in helping clients navigate emerging fair and responsible banking issues and current regulatory developments. In the past several years, we have handled many significant fair and responsible legal matters, including:

  • Defense of financial institutions in threatened or actual referrals by the federal banking agencies to DOJ for alleged “pattern or practice” lending discrimination involving a wide variety of claims including redlining, reverse redlining, pricing discrimination, underwriting and marketing practices, and the SCRA.
  • Defense of financial institutions in bank regulatory agency enforcement actions alleging discrimination or unfair or deceptive acts or practices with respect to mortgage lending, credit card, auto and consumer lending and collections, and small business lending.
  • Defense against mortgage redlining and reverse redlining allegations brought by several municipalities.
  • Defense of class action litigation alleging discriminatory lending and/or improper sales practices.

Our attorneys provide proactive risk management and compliance advice on the myriad of traditional fair and responsible lending issues related to mortgage origination and servicing, as well as more recent areas of focus such as auto lending, credit cards, deposit products, student loans and small business lending. We also counsel our clients extensively on issues related to the CFPB.

Our comprehensive counseling practice is guided by the extensive experience our lawyers have in representing clients in federal and state government enforcement investigations, administrative proceedings, and complex litigation involving a broad spectrum of issues related to the fair and equitable treatment of consumers in all aspects of lending and servicing. We work closely with our clients in the design and implementation of compliance risk management programs that best address the challenges ahead.

Our attorneys are leading authorities on federal and state fair and responsible lending laws and regulations, including:

  • Equal Credit Opportunity Act (ECOA) and Regulation B
  • Fair Housing Act (FHA)
  • Community Reinvestment Act (CRA)
  • Home Mortgage Disclosure Act (HMDA)
  • Federal Trade Commission Act – Section 5 (Unfair and Deceptive Acts or Practices)
  • Home Ownership and Equity Protection Act (HOEPA)
  • Homeowners Protection Act
  • Servicemembers Civil Relief Act (SCRA)
  • Civil Rights Act of 1866
  • Truth in Lending Act (TILA) – Section 32
  • Real Estate Settlement Procedures Act
  • Fair Credit Reporting Act – Notice Requirements
  • Fair Debt Collections Practices Act
  • State and local fair and anti-predatory lending laws and regulations

For a list of BuckleySandler’s fair and responsible lending litigation and enforcement matters, see "Significant Representations" below.

Related Professionals

Name Title Phone Office
Buckley, Jeremiah S. Partner 202.349.8010 Washington, DC
Gottlieb, Richard E. Partner 310.424.3985 Los Angeles, CA
Hletko, Valerie L. Partner 202.349.8054 Washington, DC
Jensen, Kirk D. Partner 202.349.8048 Washington, DC
Kasmar, Caitlin M. Partner 202.349.8017 Washington, DC
Klubes, Benjamin B. Partner 202.349.8002 Washington, DC
Kolar, Joseph M. Partner 202.349.8020 Washington, DC
Lawrence, Amanda Raines Partner 202.349.8089 Washington, DC
McGinn, Elizabeth E. Partner 212.600.2370 New York, NY
Mitchell, Andrea K. Partner 202.349.8028 Washington, DC
Naimon, Jeffrey P. Partner 202.349.8030 Washington, DC
Olson, Benjamin K. Partner 202.349.7924 Washington, DC
Previn, Matthew P. Partner 212.600.2310 New York, NY
Quattrone, Robyn C. Partner 202.349.8035 Washington, DC
Reilly, Joseph J. Partner 202.349.7965 Washington, DC
Rogers, Michelle L. Partner 202.349.8013 Washington, DC
Sandler, Andrew L. Chairman & Executive Partner 202.349.8001 Washington, DC
Tucker, Jonice Gray Partner 202.349.8005 Washington, DC
Williams, Manley Partner 202.349.8060 Washington, DC
Emley, Sara E. Of Counsel 202.349.8025 Washington, DC
Serino, Robert B. Of Counsel 202.349.8053 Washington, DC
Bell, Marshall T. Counsel 202.461.2997 Washington, DC
Cedar, Philip M. Counsel 212.600.2345 New York, NY
Laifman, Jay S. Counsel 310.424.3908 Los Angeles, CA
Mahler, Aaron C. Counsel 202.349.8024 Washington, DC
Marcus, Bradley A. Counsel 202.349.8021 Washington, DC
Sommerfield, Lori J. Counsel 202.349.8093 Washington, DC
Traiger, Warren W. Counsel 212.600.2375 New York, NY
Wiles, Ann D. Counsel 202.349.7942 Washington, DC
Bacon, Pavitra Associate 202.349.7920 Washington, DC
Cannon, Jonathan W. Associate 310.424.3903 Los Angeles, CA
Chang, Shara M. Associate 202.349.8096 Washington, DC
Dhaliwal, A.J. S. Associate 202.461.2932 Washington, DC
Dowell, Thomas A. Associate 202.349.8011 Washington, DC
Grant, Andrew W. Associate 202.349.8056 Washington, DC
Hall, Kari K. Associate 202.349.7967 Washington, DC
Kotin, H Joshua Associate 312.924.9855 Chicago, IL
Kushmider, Christopher Associate 212.600.2385 New York, NY
Rooney, Mark E. Associate 202.349.8033 Washington, DC
Williams, John B. III Associate 202.461.2987 Washington, DC

Significant Representations

Publications