Benjamin Saul represents banks and non-banks, including financial technology (FinTech) companies, of all sizes in a wide range of matters, with a focus on those relating to retail bank and consumer financial products and services. Ben helps clients navigate regulatory requirements, examinations, investigations, enforcement actions and administrative proceedings, conduct corporate internal investigations, litigate civil and class action disputes, develop and enhance compliance management systems, address legislative and policy issues, conduct transactional due diligence, and negotiate various agreements related to products and services.
Ben has extensive experience representing clients in matters involving the Consumer Financial Protection Bureau (CFPB), and has been a leader within the private bar on CFPB matters since the Bureau's inception in 2011. In addition to his CFPB practice, he has also represented financial services clients in many matters involving the federal and state banking authorities, Congress, Department of Justice (DOJ), Federal Trade Commission (FTC), Department of Housing and Urban Development (HUD), Securities and Exchange Commission (SEC), and state attorneys general.
During his career, Ben has handled matters involving every enumerated consumer finance law and asset class, as well as many novel products and services, including in the areas of payments, data analytics, marketplace lending, virtual currencies, and foreign exchange. His experience extends across the entire consumer finance product life-cycle. He is a leading lawyer in the areas of fair and responsible banking and compliance with fair lending laws. In addition, Ben has also advised financial services clients on criminal and quasi-criminal matters, including money laundering, mortgage fraud and financial institution fraud, and has experience advising on corporate governance issues as well as handling binding mediation, arbitration and litigation involving corporate fiduciary duty, indemnification and other business issues.
Ben is a frequent speaker, author and commentator on banking, consumer finance, and FinTech issues. He is a member of the Board of Editorial Advisors for the Review of Banking & Financial Services, as well as Banking Law360. He also is active in the Litigation and Business Law sections of the American Bar Association, and is a former co-chair of the Consumer Litigation Committee. He is a Fellow of both the American College of Consumer Financial Services Lawyers and the American Bar Foundation, as well as a member of the Exchequer Club (all peer elected positions). Ben was a clerk for a federal appellate judge.
