Overview
Overview
Consumer financial services are among the most heavily regulated industries in the United States. Financial institutions operate in an environment shaped by an evolving network of federal and state statutes, agency regulations, and an increasingly active plaintiffs’ bar. As regulatory requirements continue to expand, so too does the volume and complexity of litigation facing banks, mortgage lenders and servicers, finance companies, credit unions, fintech companies, debt purchasers, and other financial services providers.
O’Hagan Meyer’s Consumer Financial Services Litigation Group is built to meet those challenges. While many firms emphasize regulatory counseling, our primary focus is defending clients when disputes become lawsuits. We represent financial institutions in high-stakes litigation nationwide, delivering practical, efficient, and business-oriented advocacy in state and federal courts.
Our attorneys defend individual actions, putative class actions, multidistrict litigation, and government enforcement matters involving the full spectrum of consumer financial services laws. We regularly handle claims arising under the Fair Credit Reporting Act (FCRA), Fair Debt Collection Practices Act (FDCPA), Telephone Consumer Protection Act (TCPA), Truth in Lending Act (TILA), Real Estate Settlement Procedures Act (RESPA), Equal Credit Opportunity Act (ECOA), Electronic Fund Transfer Act (EFTA), Fair Housing Act (FHA), state unfair and deceptive acts and practices statutes, and a broad range of common law claims.
Consumer financial services litigation presents unique challenges. Cases often involve overlapping federal and state statutory schemes, evolving regulatory interpretations, class action exposure, and significant reputational and operational risks. Successful defense requires lawyers who understand not only the governing legal framework but also the business realities facing financial institutions.
Our litigators develop strategic defense plans designed to resolve disputes efficiently while protecting our clients’ business objectives. Whether serving as national counsel, coordinating multi-jurisdiction litigation, defending a single-plaintiff lawsuit, or trying a case to verdict, we focus on achieving favorable results through thoughtful advocacy and disciplined case management.
Our Experience Includes
- Consumer class action defense
- Individual consumer finance litigation
- Mortgage lending and servicing litigation
- Credit reporting and furnisher litigation
- Debt servicing litigation
- Auto finance litigation
- Payment systems and electronic funds transfer disputes
- Telephone Consumer Protection Act litigation
- Fair lending and discrimination claims
- Government investigations and enforcement defense
- Financial services fraud and business tort litigation
Clients rely on O’Hagan Meyer because we are trial lawyers and litigators. We understand that every lawsuit has legal, operational, financial, and reputational implications. Working closely with in-house counsel and business leaders, we develop defense strategies that align with our clients’ objectives while positioning cases for efficient resolution, dispositive motion practice, favorable settlement, or trial when necessary.
In today’s regulatory environment, litigation is no longer an exception—it is an expected part of doing business in the consumer financial services industry. O’Hagan Meyer helps financial institutions navigate that reality with experienced courtroom advocates who understand the industry, anticipate emerging risks, and are prepared to defend clients at every stage of the litigation process.
Experience
Experience
- Successfully resolved class action claims against a debt collection company for alleged violations of the FDCPA, Texas Debt Collection Act, FCRA, and the Virginia Credit Services Business Act (VCSBA), among others
- Successfully resolved class action claims against an insurance company for alleged violations of the TCPA
- Successfully resolved class action claims against a debt collection company for alleged violations of the FCRA
- Defended claims brought against a client by a State Attorney General and the Consumer Financial Protection Bureau for alleged violations of state consumer protection laws and the federal Consumer Financial Protection Act related to the sale of structured settlements
- Successfully resolved a putative class action against a national credit reporting agency
- Successfully resolved TILA, FDCPA, and Virginia Consumer Protection Act claims brought against a regional automobile dealership
