Sabrina M. Rose-Smith

Her areas of experience include:

• 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 financial institutions in the creation and licensing of new specialty finance products, such as debit and stored value cards, installment loans and money transmission
• Developing and implementing effective internal compliance auditing procedures for financial institutions and counseling on problems that may arise in external government audits

She has recently represented:

• 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 venture capital firm in a nationwide class action alleging that a company the firm invested in committed unfair and deceptive trade practices in the marketing and servicing of small dollar loans 
• A mortgage lender in a class-wide federal jury trial involving lender’s alleged violations of RESPA’s affiliated business rules
• A national bank against civil claims arising out of its mortgage default servicing activity, including UDAP claims regarding fees charged and breach of contract claims for wrongful foreclosure or the conduct of vendors involved in the foreclosure/collections process
• 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