Consumer Financial Services

Hinshaw defends banks, lenders, servicers, and fintechs in complex consumer and class action litigation nationwide. Our team has deep experience with claims under the FCRA, FDCPA, TCPA, RESPA, TILA, and state consumer protection laws. We focus on early motion practice, class certification strategy, and efficient resolution, helping clients control litigation costs, manage reputational risk, and stay compliant with evolving regulations.

We represent financial institutions in high-stakes disputes involving lending practices, loan servicing, credit reporting, and consumer protection. Our attorneys understand the operational realities of high-volume litigation and develop defense strategies that minimize disruption while maintaining compliance with federal and state requirements.

Hinshaw is a trusted partner to mortgage lenders and servicers nationwide. We handle matters involving origination, loan modification, foreclosure, escrow, and compliance under RESPA, TILA, and state servicing laws. Our team also advises on loss mitigation programs, borrower communications, and regulatory enforcement actions, helping clients meet consumer obligations while protecting portfolio integrity.

We help lenders, servicers, fintechs, and service providers navigate the intricate web of federal and state consumer finance regulations. Our team advises on compliance with CFPB, OCC, and FDIC guidance; UDAAP standards; and supervisory frameworks. We design and implement compliance management systems and audit-ready programs aligned with business goals and regulator expectations.

We assist lenders, servicers, money transmitters, and fintech companies in obtaining, maintaining, and renewing licenses across multiple jurisdictions. We manage the entire licensing lifecycle—from applications and examinations to change-of-control events—ensuring continuous compliance with federal and state regulatory regimes.

We provide coordinated, rapid response representation before the CFPB, FTC, DOJ, HUD, and state attorneys general. We help clients respond to subpoenas and civil investigative demands, conduct internal investigations, and negotiate pragmatic resolutions. Many of our attorneys have prior government or in-house experience, giving us unique insight into regulator priorities and effective defense strategies.

We assist with data breach response, digital marketing compliance, and class actions involving privacy violations, helping clients build trust and resilience in an evolving data-driven economy.

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Now in its fifth edition, our 50 State Guide on Student Loan Servicing Regulations is a go-to resource providing a comprehensive overview of licensing, compliance, and enforcement frameworks for student loan servicers nationwide.