Bradley has represented and defended debt collectors and other companies in matters associated with the federal Fair Debt Collection Practices Act (FDCPA) and related state statutes. Our clients range from debt collectors, debt buyers, and banks to creditors and loan servicers, including those involved with individual and class action cases. We advise regarding many types of alleged violations, such as disclosure of identity and debt; harassment; misrepresentations in affidavits, character, or legal status of debt; discrepancies in collection amounts; collections with respect to bankruptcy; and threats of illegal action.
Bradley handles licensing for a variety of credit products, such as home, consumer, commercial, and automobile loans. Our clients include large and small financial institutions, ranging from mortgage lenders, brokers, and servicers to secondary market investors; state- and federally chartered banks; real estate brokers; and consumer finance companies.
We closely monitor federal and state laws and regulations, including the Secure and Fair Enforcement for Mortgage Licensing Act (SAFE Act), Truth in Lending Act (TILA), FDCPA, and Regulations G and H of the Consumer Financial Protection Bureau (CFPB). For licensing-related projects, we assist with:
Bradley advises clients in connection with student debt, an area coming under increasing regulatory scrutiny. For example, we have helped our clients analyze and understand the CFPB’sreport on student loan servicing and also applicable regulatory oversight of the Department of the Treasury and the Department of Education. With regard to companies offering student lending, we assist with fundamental issues such as:
Bradley’s consumer finance attorneys also support student-lending clients with matters involving litigation, regulatory issues, and enforcement.