Consumer Regulatory

Arnall Golden Gregory's Consumer Regulatory Practice is comprised of regulatory, privacy, litigation, and corporate attorneys who have deep and broad experience with government entities and their regulatory schemes in a multitude of regulated industries. Our attorneys also have been actively involved throughout the process of the Consumer Financial Protection Bureau's (CFPB) creation and early implementation. We advocated on clients’ behalf during the development and eventual passage of the Dodd-Frank Wall Street Reform and Consumer Protection Act, and our team of attorneys remains actively engaged with CFPB staff on the implementation of the Dodd-Frank Act’s requirements. We have special expertise with CFPB’s regulatory authority over non-bank financial institutions, such as consumer reporting agencies, participants in the debt industry, non-bank lenders and background check companies.

AGG’s attorneys have represented clients in investigative, administrative, and adversarial matters before the FTC, CFPB, OCC, FDIC, FHFA, the Department of Justice, and other federal and state agencies and state attorney general investigations, in state and federal courts across the country, and in domestic and international arbitrations.

The CFPB Regulations Practice in particular has facilitated successful, ongoing communications between clients and high level CFPB staff as the CFPB rolls out new programs or policy. The team has submitted public comments on a wide range of CFPB proposals with regard to supervision, enforcement and rulemaking. The team is assisting clients in preparing for CFPB regulatory requirements through the establishment of comprehensive compliance programs, as well as the development of internal policies and procedures. Our team is advising covered financial institutions on how to respond to consumer complaints through the CFPB’s consumer complaint portal and can assist with CFPB supervision through the preparation of written reports and/or on-site examinations.

The AGG team has captured each stage of the CFPB’s early developments in a publication, the CFPB Weekly, available to the firm’s clients. Our team of attorneys also has extensive experience engaging the Federal Trade Commission’s Bureau of Consumer Protection, many of whom are now CFPB staff. Our team has handled multiple FTC consumer protection investigations and resolved a number of FTC administrative actions without litigation. We have also litigated numerous related matters through the courts. Clients benefit from our attorneys’ FTC expertise as companies struggle to meet potentially conflicting regulatory requirements arising from the overlapping jurisdiction of the FTC and the CFPB.