Dinsmore’s consumer finance team is comprised of well-known and experienced attorneys who are actively engaged in the representation of financial institutions of all sizes, including national and state banks, credit unions, state and federally chartered mortgage lenders, loan servicers, and specialty lenders. We know these clients face extraordinary regulatory oversight and greater litigation risks than ever before. Our goals are to anticipate and avoid costly litigation, and, if litigation becomes necessary, to develop sound litigation strategies at the earliest stages of the case, focusing on our client’s interests.
Dinsmore’s consumer finance creditors’ rights attorneys handle and defend every type of consumer claim imaginable, whether it be a claim related to a mortgage loan, a consumer deposit account, a credit card, or an automobile loan. These include UDAAP claims and alleged violations of the Truth-in-Lending Act (“TILA”), Regulation Z, the Real Estate Settlement Procedures Act (“RESPA”), Regulation X, the Fair Debt Collection Practices Act (“FDCPA”), the Fair Credit Reporting Act (“FCRA”), and the Telephone Consumer Protection Act (“TCPA”).
We act as national counsel for multiple national banks, mortgage servicers, fintechs, and auto financing companies. Our consumer bankruptcy litigators are nationally known and able to leverage their relationships with courts, bankruptcy trustees and the bankruptcy bar to achieve unmatched results. Clients also regularly rely on Dinsmore in consumer foreclosure matters throughout the country when they become contested, when counterclaims are filed, or when a case is proceeding to trial. We are fully versed in the mix of foreclosure defenses and lender liability claims asserted by borrowers, and we stay up-to-date with legal developments to enable us to pursue the most effective methods to defeat opposing claims and avoid unnecessary delays in the foreclosure process. During our representation, we stay in close contact with our clients to consider all loss-mitigation opportunities while ensuring compliance with applicable servicing rules and regulations.