Consumer Finance

A Practice on the Front Lines of Financial Industry Regulation and Enforcement

The Debevoise Consumer Finance Group counsels and defends financial institutions and other industry players in one of the most fast-moving and challenging regulatory and enforcement environments in the country.

Lawyers in the Group have deep knowledge and experience in the full array of legal issues and regimes bearing upon consumer finance, and work with clients on a broad range of strategic decisions, compliance issues, investigations, enforcement actions, litigations and transactions.

The Group, which is an integral part of the firm’s Financial Institutions and White Collar & Regulatory Defense practices, has a blend of regulatory, government defense and litigation experience that makes it uniquely qualified to help consumer finance clients navigate the challenges of the new regulatory landscape. The team works with many of the largest consumer financial services firms, providing advice on the full range of consumer financial protection requirements. Included are counseling and defense work relating to laws regulating the provision of consumer credit, auto loans, mortgages, mortgage and loan servicing and collection practices, fair lending, deposit-taking, credit reporting, payments, electronic delivery of financial services, UDAAP requirements and privacy and data security.

The ability to help clients navigate this complex web of consumer finance-related laws and regulations is one reason Debevoise was named the Legal 500 US “Financial Services Team of the Year” in 2014 and 2015, and prompted Chambers USA to observe of the firm’s team: “They are at the cutting edge of regulatory advisory and transactional work.”