Jenny helps companies resolve business disruptions caused by issues pertaining to the Consumer Financial Protection Bureau (CFPB), so they can refocus their energies back on innovation and delivering exceptional financial products and services to consumers.
A pragmatic problem solver, Jenny assists clients in responding to Civil Investigative Demands from the CFPB and defends their interests in ongoing enforcement investigations or litigation matters, including drafting NORA response letters, negotiating compliance with CIDs and negotiating consent orders. As a former CFPB Enforcement Attorney, Jenny understands how the CFPB thinks and applies its authorities to enforce consumer protection laws, including UDAAP, EFTA, GLB Act, FDCPA, FCRA, TILA and RESPA. Jenny has extensive experience in consumer financial matters involving the CFPB, state attorneys general or state banking agencies, the Department of Justice and prudential banking regulators or in Congressional investigations. Her philosophy is that a client’s legal strategy should be managed carefully to fit the business’ budget, not the other way around.
Jenny also assists banks and supervised institutions subject to CFPB supervisory examinations. She identifies multi-faceted issues that accompany a CFPB inquiry and moves decisively to extinguish embers before they catch fire. Based on her substantive expertise, Jenny also represents clients in proactive engagement opportunities with the CFPB to submit comments on new or proposed regulations and conducts due diligence for deals involving acquisitions of financial services firms. She also helps companies implement or update their compliance programs to decrease risk or litigation exposure in light of new consumer financial protection regulations.
Jenny represents large credit card issuers, consumer reporting agencies, data analytics companies, mortgage bankers, student loan companies, short-term and small-dollar lenders, retail-installment lenders and financial technology companies involved with digital wallets, virtual currencies, money transmission and mobile apps.
