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Consumer Financial Services Enforcement + Government Investigations

For many consumer finance businesses, government investigations and enforcement actions are an unfortunate reality in today’s world, and you need a partner that will help you manage the risks associated with such matters. Goodwin has substantial experience representing banks, non-bank lenders and servicers, student loan companies, credit card issuers, auto finance companies, debt collectors, non-traditional finance companies, and other market participants in responding to government investigations, defending enforcement actions, and managing administrative, criminal, and private proceedings.

Goodwin’s Consumer Financial Services Enforcement practice is nationwide in scope, and includes matters involving many different federal and state agencies and officials, such as:

  • Consumer Financial Protection Bureau (CFPB)
  • Department of Justice (DOJ)
  • Federal Trade Commission (FTC)
  • Department of Housing and Urban Development (HUD)
  • Federal and State Banking and Financial Services Regulatory Agencies, including the Office of Comptroller of the Currency (OCC), Federal Deposit Insurance Corporation (FDIC), Federal Reserve Board (Fed), and Federal Housing Finance Agency (FHFA)
  • Office of Inspector General and U.S. Attorneys’ Offices
  • State Attorneys General + District Attorneys
     
Chambers 2016
Chambers USA
Ranked as one of the top firms in the country, Chambers USA notes our “longstanding reputation as an exceptionally strong consumer finance litigation firm.”
 
The Legal 500
Legal 500
Ranked as a Top 5 Consumer Finance Litigation firm.

Publications

Consumer Financial Services Year in Review 2020
Goodwin Insights
2020 Year in Review: Consumer Finance
February 16, 2021
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Blog
in Enforcement Watch
CFPB Reaches Consent Agreement with Fintech Company Concerning Facilitation of Loans to Consumers Without Their Authorization
July 16, 2021
Blog
in Enforcement Watch
Washington AG Reaches Settlement with Debt Collector to Resolve Lawsuit Concerning Its Alleged Failure to Offer Garnishment Exemptions and Collection of Unlawful Fees
June 10, 2021
Blog
in Enforcement Watch
FTC Settles Claims with Student Loan Debt Relief Companies
May 24, 2021
Blog
in Enforcement Watch
CFPB and Debt Settlement Company Agree to Stipulated Final Judgment and Order
May 24, 2021
View More

News

PE Investment in Health Care Attracting Greater Federal Scrutiny (New York Law Journal)
View More
CFPB's New Foreclosure Limits Will Be Tough On Servicers (Law360)
View More
Nine Goodwin Lawyers Named to Law360 Editorial Advisory Boards
View More
A View From Inside: A Guide To NYDFS Investigations (The Review of Banking & Financial Services)
View More
View More News

Contacts

Professional Photo View Bio

Thomas M. Hefferon

Partner
Email
Washington, DC
+1 202 346 4029
Meet the Team
Related Practices

Consumer Financial Services

To be successful, consumer financial services companies strive to offer new and innovative products and services through traditional and online channels. Banks and thrifts, mortgage companies, consumer lenders, credit card issuers, payments networks, auto lenders, technology companies and leasing entities regularly turn to Goodwin for counsel. We provide regulatory advice involving the development of new products, assist with the chartering and licensing of new financial services companies, draft compliance policies and procedures, conduct compliance reviews, and counsel on privacy and cybersecurity matters. Our attorneys regularly represent consumer financial services companies and trade associations — including the Electronic Funds Transfer Association and the
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Consumer Financial Services Litigation

Consumer financial services companies face a broad spectrum of issues unique to the industry, and you need counsel that understands the challenges the industry faces. With one of the most preeminent consumer financial services litigation practice groups in the nation, our lawyers know your industry. With experience in regulatory counseling and examinations, government investigations, enforcement proceedings, and litigation, we defend many of the nation’s largest financial institutions, including prominent banks, mortgage companies, credit card issuers, and insurers, in high-stakes consumer financial services litigation cases and government enforcement actions across the country.
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Fair + Responsible Lending

Accusations that a financial services company’s policies or practices are discriminatory or otherwise unfair, deceptive, or abusive can not only be costly, but also can damage a company’s reputation. Goodwin’s leading Fair & Responsible Lending practice has experience helping clients confront and manage these risks. Our practice is nationwide in scope, including matters involving many federal and state agencies and officials.
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Financial Industry

From acquiring a company to raising public or private funds to defending lawsuits or government investigations and enforcement actions, we provide strategic and tactical advice, a range of pragmatic options, and bottom-line results. We do more than just help our clients survive the current challenges; we partner with them to find the best solutions and identify new business opportunities.

Read More
Related Practices
Consumer Financial Services
To be successful, consumer financial services companies strive to offer new and innovative products and services through traditional and online channels. Banks and thrifts, mortgage companies, consumer lenders, credit card issuers, payments networks, auto lenders, technology companies and leasing entities regularly turn to Goodwin for counsel. We provide regulatory advice involving the development of new products, assist with the chartering and licensing of new financial services companies, draft compliance policies and procedures, conduct compliance reviews, and counsel on privacy and cybersecurity matters. Our attorneys regularly represent consumer financial services companies and trade associations — including the Electronic Funds Transfer Association and the
Read More
Consumer Financial Services Litigation
Consumer financial services companies face a broad spectrum of issues unique to the industry, and you need counsel that understands the challenges the industry faces. With one of the most preeminent consumer financial services litigation practice groups in the nation, our lawyers know your industry. With experience in regulatory counseling and examinations, government investigations, enforcement proceedings, and litigation, we defend many of the nation’s largest financial institutions, including prominent banks, mortgage companies, credit card issuers, and insurers, in high-stakes consumer financial services litigation cases and government enforcement actions across the country.
Read More
Fair + Responsible Lending
Accusations that a financial services company’s policies or practices are discriminatory or otherwise unfair, deceptive, or abusive can not only be costly, but also can damage a company’s reputation. Goodwin’s leading Fair & Responsible Lending practice has experience helping clients confront and manage these risks. Our practice is nationwide in scope, including matters involving many federal and state agencies and officials.
Read More
Financial Industry

From acquiring a company to raising public or private funds to defending lawsuits or government investigations and enforcement actions, we provide strategic and tactical advice, a range of pragmatic options, and bottom-line results. We do more than just help our clients survive the current challenges; we partner with them to find the best solutions and identify new business opportunities.

Read More
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