Photo of Graham W. Gerhardt

Graham Gerhardt represents financial institutions in civil litigation throughout the country. He regularly assists clients in both the forward mortgage and reverse mortgage industries. Graham frequently litigates in federal court where he defends lenders and loan servicers accused of violating federal statutes, most commonly TILA, RESPA, the FDCPA, the FCRA, and the TCPA. He also represents clients in state court, defending against claims such as wrongful foreclosure, fraud and deceptive trade practices. Graham oversees these suits through all stages of the legal process, including bench trials, jury trials and frequent depositions and mediations.

FTC Imposes $110 Million Fine Against Payment Facilitator and Its ExecutivesPayment processor/facilitator Allied Wallet, its CEO, and two other corporate officers, recently agreed to settle Federal Trade Commission (FTC) charges that they assisted or knowingly processed fraudulent transactions for merchant-clients. This action indicates that enforcement actions against payment processors are alive and well, despite the FTC’s previously announced end of “Operation Chokepoint,” which, among other

CFPB Turns Focus to Student Loans to ServicemembersThe Consumer Financial Protection Bureau (CFPB) recently published a report highlighting the difficulties military personnel encounter when dealing with servicers of student loans. Driven by the receipt of over 1,300 complaints from servicemembers regarding the collection and servicing of their student loans, the CFPB’s report (Overseas & Underserved: Student Loan Servicing and the Cost