Ms. Padilla defends leading financial services institutions and other companies against a variety of complex issues, including class action defense, enforcement actions, and representing companies in business disputes. She has represented and advised financial services institutions in matters related to and arising under the Real Estate Settlement Procedure Act (RESPA), Truth in Lending Act (TILA), Fair Credit Reporting Act (FCRA), Fair Housing Act (FHA), Equal Credit Opportunity Act (ECOA), Telephone Consumer Protection Act (TCPA), Fair Debt Collection Practice Act (FDCPA), Unfair and Deceptive Acts and Practices laws (UDAP), Unfair Competition Laws (UCL), and other consumer statutes and regulations. She has advised financial institution clients on compliance and practice changes, including in connection with Dodd-Frank, Regulation Z, and NACHA Rules. She has also advised FinTech companies in civil investigations by various federal and state agencies.
Ms. Padilla has also previously served as an extern for the Honorable Philip S. Gutierrez, U.S. District Court, C.D. of California.
