Sabrina Rose-Smith is a partner in Goodwin’s Financial Industry Litigation and Consumer Financial Services Litigation practices, and serves on the firm’s Executive Committee. Her nationwide practice includes both defending financial institutions against consumer class actions and government enforcement actions, and providing regulatory compliance and litigation risk counseling to banks, credit card issuers, mortgage lenders and specialty and small-dollar FinTech companies. She is also a member of Goodwin’s CSR + ESG practice, and focuses on fair and responsible lending/banking, financial inclusion, and Community Reinvestment Act risks and obligations. 

Sabrina defends financial services clients in high stakes enforcement matters and class action cases involving the Truth In Lending Act (TILA), the Fair Debt Collection Practices Act (FDCPA), the Real Estate Settlement Procedures Act (RESPA), the Fair Housing Act (FHA), the Equal Credit Opportunity Act (ECOA), the Financial Institutions Reform, Recovery, and Enforcement Act of 1989 (FIRREA), the Telephone Consumer Protection Act (TCPA), state and federal unfair and deceptive trade practices (UDAP) statutes and other alleged violations of law arising from her clients’ lending, servicing and/or collections activity.





Her areas of experience include:

  • Defense of enforcement actions involving the CFPB, HUD, DOJ, and state attorneys general
  • Class action defense, including successful methods for defeating class certification in both consumer finance and business litigation matters involving banks and other financial services businesses
  • Assisting FinTech companies and financial institutions in assessing compliance and risk concerns in lending operations, and in the creation and licensing of new specialty finance products, such as debit and stored value cards, installment loans and money transmission

She has recently represented:

  • A nationwide mortgage servicer in a class action alleging violations of RESPA’s affiliated business rules
  • A nationwide mortgage servicer in multiple government enforcement actions based on alleged RESPA mortgage servicing rules violations, and various state unfair and deceptive trade practices allegations
  • A national bank in a prepaid card enforcement action
  • A FinTech lender in a CFPB enforcement action alleging violations of the CFPA
  • A nationwide mortgage lender in a government enforcement action based on alleged failure to comply with Federal Housing Administration guidelines for FHA – insured loans
  • A national bank in a lawsuit alleging systemic violations of the Fair Housing Act
  • A mortgage lender in a class-wide federal jury trial involving lender’s alleged violations of RESPA’s affiliated business rules
  • A regional bank regarding its compliance with HUD regulations for FHA lenders and loan servicers
  • A nationwide lender in a multi-district litigation (MDL) based on alleged unfair and deceptive sales and marketing of loan products
Professional Activities

Sabrina is a member of the American Bar Association (Business Law, Litigation and Minority Trial Lawyer sections) and has served on executive committees within NAWL, the National Association of Women Lawyers. She is fellow for the Leadership Council on Legal Diversity (LCLD) and mentor to women and minorities within the firm and the broader legal profession.


Ms. Rose-Smith has been selected for inclusion in The Legal 500 U.S. 2022. She is recognized by Chambers USA for her expertise in consumer finance enforcement and investigations. Chambers notes that Sabrina is a “versatile and very skilled litigator, who gets the overall strategy.”

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Our clients rely on us for world-class advisory services, counsel on complex transactional work and high-stakes litigation. Specializing in matters involving the financial, life sciences, private equity, real estate, and technology industries, we use a collaborative, cross-disciplinary approach to resolve our clients’ most challenging issues. To find out more, please contact us.


Nos équipes interviennent aux côtés de nos clients, industriels, fonds d’investissement, startups, institutions financières et dirigeants, dans le cadre de transactions et de contentieux complexes, et apportent des conseils de tout premier plan dans les secteurs financiers, des Sciences de la Vie, du Private Equity, de l’immobilier et des technologies. Nous traitons les dossiers juridiques de manière intègre, ingénieuse, souple et audacieuse pour répondre efficacement aux enjeux propres à chacun de nos clients, quels que soient la taille de l’opération et le secteur d’activité. Pour en savoir plus, contactez-nous.

Unsere Kunden verlassen sich auf unsere erstklassige Beratung, vor allem im Hinblick auf komplexe Transaktionen und High-Stakes-Prozesse. Spezialisiert auf Angelegenheiten der Finanz-, Life-Sciences-, Private-Equity-, Immobilien-und Technologie-Branchen, verwenden wir einen kooperativen und interdisziplinären Ansatz, um Fragen unserer Kunden auch in extremen Spezialsituationen einer Lösung zuzuführen. Sie wollen mehr erfahren? Kontaktieren Sie uns gerne.

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