Consumer Protection, Data Security, and Consumer Financial Services – Litigation

Attorneys at Middleberg Riddle Group have represented major banks and lending institutions, as well as small retailers with in-house financing options, in a wide variety of litigation ranging from large class actions to individual disputes alleging regulatory violations.  Our attorneys have also handled lawsuits and governmental investigations for non-financial consumer-facing industries including the hospitality industry, healthcare industry, and residential construction industry.

We counsel and defend clients on various federal laws affecting consumer lending, including but not limited to the following:

  • Consumer arbitration clauses and class action waivers
  • Federal & state data breach and consumer privacy laws
  • Children’s Online Privacy Protection Act (COPPA)
  • FTC advertising guidelines, including clean energy and green advertising rules
  • Telephone Consumer Protection Act (TCPA)
  • FTC’s Telemarketing Sales Rule
  • State Deceptive Trade Practices laws
  • TILA and Regulation Z
  • ECOA and Regulation B
  • RESPA and Regulation X
  • Consumer Leasing Act and Regulation M
  • Fair Debt Collection Practices Act (FDCPA)
  • Fair Credit Reporting Act (FCRA)
  • Electronic Funds and Transfer Act and Regulation E
  • E-Sign and Uniform Electronic Transactions Act
  • Gramm-Leach-Bliley Act (GLBA)
  • State Privacy and Telemarketing Laws
  • State usury laws and Federal Preemption
  • State Leasing Laws
  • Motor Vehicle and Retail Installment Sales Acts
  • Dodd-Frank Wall Street Reform and Consumer Protection Act
  • Fair Housing Act (FHA)
  • Flood Disaster Protection Act
  • USA PATRIOT Act and the US sanctions regime administered by the Office of Foreign Assets Control (OFAC)
  • Laws affecting use of social media in advertising consumer goods and services

 

Our attorneys have successfully defended clients in Texas and Louisiana in federal and state courts.  We do not take a one-size-fits-all approach to litigation.  While we do focus on obtaining efficiencies to keep costs low and predictable, we understand that each case is different and each client has different philosophies on litigation management.  We will work with your team to understand those philosophies and motivations, and implement a litigation strategy that fits your needs and the unique requirements of your case.

Litigation Avoidance & Risk Management

An ounce of prevention is worth a pound of cure.  Our firm offers a suite of available services to assist your company in understanding and managing its compliance and legal risk profile.  From performing advertising and document review to performing compliance audits and establishing or improving a compliance management system, we can help you avoid the pitfalls that can lead to costly litigation.  For more information, give us a call or visit the Consumer Protection, Data Security, and Consumer Financial Services – Regulatory & Compliance section of this website.