C. Charles Townsend

Charles represents financial institutions, mortgage lenders, loan servicers, and credit-related entities nationwide in complex litigation and regulatory compliance matters. Having served as a senior vice president and assistant general counsel at Bank of America, NA, he is well-positioned to advise clients across the financial services industry on operational, regulatory, and compliance issues. He regularly partners with clients to develop and enhance processes within a regulatory and compliance framework, coordinate responses to regulatory inquiries, and identify and resolve systemic issues that may expose clients to risk.

Charles has significant experience litigating individual and class claims arising under the Truth in Lending Act (TILA), Real Estate Settlement Procedures Act (RESPA), Fair Credit Reporting Act (FCRA), Equal Credit Opportunity Act (ECOA), Fair Housing Act (FHA), Fair Debt Collection Practices Act (FDCPA), and those based on state fair lending, collection, and deceptive trade practice laws. He has managed litigation and investigations initiated by state and national regulatory and enforcement agencies and inquiries initiated by members of Congress.