Jonice Gray Tucker
- p. 202.349.8005
- f. 202.349.8080
Jonice Gray Tucker is a partner with BuckleySandler LLP. Jonice represents corporate and individual clients in matters initiated by government regulators as well as in private civil litigation. She also conducts internal investigations on behalf of corporations and counsels clients on compliance with consumer protection laws.
Jonice has extensive experience handling matters involving:
- Allegations of unfair, deceptive, or abusive acts in violation of the Federal Trade Commission Act (Section 5), the Consumer Financial Protection Act (Section 1036) and similar state laws; and
- Federal and state consumer protection laws, including the Equal Credit Opportunity Act, the Fair Housing Act, the Real Estate Settlement Procedures Act, the Truth in Lending Act, and the Fair Credit Reporting Act, among others.
Jonice focuses a substantial portion of her practice on representations involving government examinations, investigations, and enforcements actions. She has been representing financial institutions in matters involving the CFPB since it was first established, now having served as counsel in numerous examinations as well as in investigations and enforcement actions. Beyond her CFPB work, Jonice has represented institutions in matters initiated by the DOJ, HUD, FTC, FRB, FDIC, FHFA, and the OCC, as well as state Attorneys General.
Jonice also has significant experience handling complex civil litigation involving financial institutions. Such cases have included matters cases brought by private plaintiffs as well landmark cases brought by government entities.
Jonice’s representations have included:
- Serving as lead defense counsel for a major bank in one of the CFPB’s first public enforcement actions;
- Representing numerous banks and non-banks in CFPB examinations and investigations relating to business lines which include mortgage origination, mortgage servicing, credit cards, the sale of ancillary (“add-on”), and installment lending;
- Assisting institutions with CFPB supervision readiness, including mock exams;
- Providing compliance counseling to high-net worth and other niche lenders in connection with fair and responsible banking;
- Representing a top US Bank in precedent-setting lawsuits brought by municipalities, under the FHA, in the wake of the foreclosure crisis;
- Representing a top US bank in concurrent investigations and enforcement actions by the DOJ, the OCC, and the FRB related to allegations of discriminatory lending practices;
- Representing numerous entities in investigations initiated by FHFA related to FHFA’s investments in residential mortgage back securities;
- Representing two large, nonbank mortgage servicers in landmark enforcement actions brought by the FTC;
- Representing a large bank in connection with settlement of nationwide class action alleging mortgage fraud and predatory lending;
- Representing banks and nonbanks in consumer protection investigations and enforcement actions brought by State Attorneys General; and
- Representing numerous mortgage servicers in default servicing compliance reviews.
Jonice has published articles on a wide-variety of legal issues impacting financial institutions and is a frequent speaker on the industry, particularly on matters relating to the CFPB. She has been featured in Washingtonian magazine’s Top Lawyers issue in an article focusing on the path to partnership, the “Meet the Women Rainmakers” segment of Law Practice Today, and in Law360's Rainmaker series. Jonice also has been named to the Super Lawyers list in the areas of banking, consumer law, and civil litigation defense. In 2014, Jonice was recognized in Chambers USA as a leading lawyer in the category of Financial Services Regulation: Banking (Enforcement & Investigations), described b sources as "very knowledgeable in the area" and "very defense-oriented in terms of thinking about the risks."
Jonice is firmly committed to providing pro bono legal services to members of our community who cannot afford to pay for counsel. She has been recognized for her outstanding work in a pro bono capacity, including her work on a highly-publicized habeas corpus case which led to the overturning of a wrongful criminal conviction, Conley v. United States (1st Cir.).
Jonice is active in the American Bar Association, where she is the Chair for the Retail Banking and Consumer Law Committee of the Banking Law Committee and Co-Vice-Chair for the Fair Access to Services of the Consumer Financial Services Committee. She serves on the Board of Trustees for the Washington Lawyers’ Committee for Civil Rights and Urban Affairs. She also serves on the Board of Directors of the Kolar Charitable Foundation and is a member of the Executive Committee for the Yale Law School Association.
Prior to joining BuckleySandler as a founding partner in 2009, Jonice practiced with the Litigation Group at Skadden Arps, where she specialized in Consumer Financial Services. Before entering private practice, she served as a law clerk to the Honorable Marvin J. Garbis of the U.S. District Court for the District of Maryland. Ms. Tucker received her J.D. from Yale Law School and her B.A. from the University of Virginia (Phi Beta Kappa).
- Chair for Retail Banking and Consumer Law, American Bar Association - Banking Law Committee
- Co-Vice-Chair for Fair Access to Services, American Bar Association - Consumer Financial Services Committee
- Board of Trustees, Washington Lawyers' Committee for Civil Rights and Urban Affairs
- Banking Law Advisory Panel, American Law Institute-Continuing Legal Education (ALI-CLE)
- Executive Committee, Yale Law School Association
- Board of Directors, The Kolar Charitable Foundation
- Chair, BuckleySandler Diversity Committee
Represented large bank in a joint investigation and enforcement action by the Consumer Financial Protection Bureau and the Federal Deposit Insurance Corporation alleging deceptive sales practices ... MORE
Representing numerous banks and nonbanks in connection with examinations and investigations by the CFPB and Prudential Regulators regarding the sale of ancillary credit monitoring, identity theft, and... MORE
Represented large bank in connection with CFPB compliance management examination.
Represented mortgage servicer in a CFPB servicing examination. During the two month duration of the representation, BuckleySandler (i) collected, reviewed, and produced over 140,000 pages of material ... MORE
Assisting bank in responding to a CFPB investigation regarding student lending related to for-profit educational institutions.
Represented Wells Fargo in lawsuit brought by City of Memphis and Shelby County, Tennessee, and watched closely by municipalities across the country, alleging that Wells Fargo engaged in “r... MORE
Represented police officer in a widely publicized obstruction of justice case after conviction was affirmed on direct appeal. Following extensive habeas corpus litigation, including en banc rehearing,... MORE
Conducted review of default servicing practices and provided compliance advice in connection with allegations of improprieties in default servicing.
Providing fair lending advice to lenders servicing high net worth clients and other niche consumer segments.
Lawsuit alleging unfair and deceptive trade practices with respect to nationwide lending practices of The Associates that was resolved as part of a global settlement of multiple nationwide class actio... MORE
Consent Decree resolution of lawsuit alleging unfair and deceptive trade practices as well as violations of the Fair Debt Collection Practices Act, Fair Credit Reporting Act, and Truth in Lending Act ... MORE
Represented major financial institution in Federal Reserve Board investigation alleging unfair and deceptive mortgage origination practices.
Represented major mortgage servicer in investigation initiated by the Federal Trade Commission alleging unfair and deceptive mortgage servicing practices.
Represented major mortgage servicer in investigation initiated by the Illinois Attorney General alleging unfair and deceptive servicing practices.
Statewide class action alleging unfair and deceptive practices regarding mortgage loan servicing and collections.
Represented Wells Fargo in lawsuit brought by Baltimore City alleging “reverse redlining” under the FHA on the theory that Defendants offered African-American borrowers subp... MORE
Represented major financial institution in investigation by Office of Comptroller of Currency and the Department of Justice relating to allegations of discriminatory lending practices.
Represented major mortgage servicer in concurrent investigations by the Federal Reserve Board, state banking departments, and multiple state attorneys general in connection with allegations of impropr... MORE
Represented mortgage servicer in connection with Department of Housing and Urban Development subpoena for information in connection with investigation of third-party.
Settlement of both nationwide and statewide classes of borrowers in a matter involving allegations of fictitious payees at closings, fraud, and predatory lending in connection with real estate secured... MORE
Complaint Management Lessons from Dr. Seuss
Law360, May 21, 2014
CFPB in Focus: Navigating Investigational Hearings
Law360, April 21, 2014
The CFPB's Amicus Program - Friend or Foe?
BNA's Banking Report, August 6, 2013
CFPB Investigations in Focus: Navigating CIDs
Law360, July 11, 2013
CFPB's Vague New 'Responsible Conduct' Guidelines
Law360, June 28, 2013
Mortgage Crisis Triggers Stronger Focus on Vendors
National Notary Association, March 8, 2013
Consumer Complaint Management: Meeting Regulatory Expectations
The Review of Banking and Financial Services, October 1, 2012
Liabilities for Servicers: Localities Jump in the Game
Mortgage Servicing News, October 2012
Will Vendors Create New Liability for Servicers?
Mortgage Banking Magazine, July 9, 2012
Regulatory Actions Melding Into National Servicing Standards
Servicing Management, February 29, 2012
Fair Lending Refocused: Loan Modification and Loss Mitigation Outcome Reviews
LexisNexis Emerging Issues Analysis, September 26, 2011
Robosigning Revisited: Is the Foreclosure Documentation Crisis Spreading to Bankruptcy Courts?
Thomson Reuters, May 23, 2011
Regulators Target Fair Servicing
Mortgage Banking, June 11, 2010
Fair-Lending Principles Must Underpin Loss Mit
Servicing Management, June 1, 2010
Mortgage Servicing Under Fire
The Review of Banking and Financial Services, June 1, 2010
The Expansion of Liability for Predatory and Discriminatory Lending to Secondary Mortgage Market Participants (Practicing Law Institute Corporate Law & Practice Course Handbook Series, PLI Order No. 11451 at 823, December 5, 2007).
Weathering the Subprime Storm
American Securitization, July 1, 2007
Knowledge & Insights
December 11, 2013
November 4, 2013
May 9, 2013
October 17, 2011
July 12, 2011
July 8, 2011
September 30, 2009
In The News
Law360, July 16, 2014
May 27, 2014
April 28, 2014
Law360, August 7, 2013
Law360, June 26, 2013
Compliance Week, June 11, 2013
April 30, 2013
Law Practice Today, January 15, 2013
Speaking Engagements & Events
July 15, 2014
May 16, 2014
May 4, 2014
April 2, 2014
March 17, 2014
February 19, 2014
January 7, 2014
December 11, 2013
November 14, 2013
November 6, 2013
September 29, 2013
August 10, 2013
August 4, 2013
August 1, 2013
June 6, 2013
May 19, 2013
May 2, 2013
May 1, 2013
April 8, 2013
April 4, 2013
February 12, 2013
January 6, 2013
December 6, 2012
October 9, 2012
August 3, 2012
July 30, 2012
July 26, 2012
May 15, 2012
May 3, 2012
April 30, 2012
April 26, 2012
April 17, 2012
March 23, 2012
March 21, 2012
January 12, 2012
December 21, 2011
December 14, 2011
December 8, 2011
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November 4, 2011
October 25, 2011
September 25, 2011
August 29, 2011
August 5, 2011
July 21, 2011
July 13, 2011
June 23, 2011
May 15, 2011
May 2, 2011
April 14, 2011
April 8, 2011
February 8, 2011
November 7, 2010
October 27, 2010
September 27, 2010
August 9, 2010
August 7, 2010
April 19, 2010
Awards & Recognition
- Chambers USA 2014: Up and Coming, Financial Services Regulation: Banking (Enforcement & Investigations)
- Super Lawyers 2014: Consumer Law, Civil Litigation, Banking
- Fellow, American College of Consumer Financial Services Lawyers
- Super Lawyers 2013: Banking, Consumer Law, Civil Litigation Defense
- Law360 Rainmaker Series
- September 2007: Stakeholder 100 Award
- International Union of Police Associations, October 2006: President's Award