Our Financial Services Litigation and Compliance Team offers the full spectrum of legal services to to banks, bank holding companies, mortgage servicers, lenders, and other consumer finance companies.
Meet our Blog Contributors
David Roth is uniquely qualified to assist financial services clients in developing, implementing, and managing effective TPVMPs. As federal and state regulators continue to heighten their expectations of TPVMPs, David’s experience in this area is an integral component of clients’ efforts to enhance their programs to satisfy the various obligations set forth in guidance from the Office of the Comptroller of the Currency, the FDIC, the Federal Reserve Bank, and in the national servicing standards. He is a co-chair of Bradley’s Financial Services Litigation and Compliance Team. View articles by David
F. Wendell Allen205.521.8282Email
Wendell Allen’s practice is focused on litigation, defense of enforcement actions, and regulatory compliance services with a concentration in the representation of financial institutions in matters involving government enforcement actions, regulatory compliance disputes, and real property controversies in state and federal courts across the country. As a litigator, Wendell routinely represents banks, mortgage servicers and other financial institutions in claims involving alleged violations of RESPA, TILA, FDCFA, FCRA, and a variety of common law, tort claims.
Keith S. Anderson205.521.8714Email
Keith Anderson is a litigation and labor & employment partner and concentrates his practice on representing financial institutions in the financial services industry, as well as representing employers in employment matters. He has handled multiple litigated matters under the FLSA, ADA, ADEA, FMLA and claims of discrimination and retaliation, as well as counseling employers on compliance and effective employment policies. View articles by Keith
Marc James Ayers205.521.8598Email
Marc James Ayers represents individual, corporate and governmental clients before state and federal appellate and trial courts. Marc is listed in Best Lawyers in America in the field of Appellate Law, and has handled numerous appeals in the U.S. Courts of Appeals, the Alabama Supreme Court, the Alabama Court of Civil Appeals, and other state appellate courts. He has also represented clients on petitions for certiorari and amicus curiae briefs to the U.S. Supreme Court. He is a member of Bradley Arant Boult Cummings LLP’s Appellate Litigation Group. View articles by Marc
Jason R. Bushby205.521.8086Email
Jason Bushby provides regulatory compliance, enforcement, and litigation assistance to a range of financial services clients across the country. Jason is licensed to practice in Alabama, Mississippi, Florida, Kentucky, Texas, and Oklahoma and was listed in Alabama Super Lawyers as a Rising Star in 2014 and 2015. He is active in the Birmingham Bar Association, where he served on the Executive Committee and as the Young Lawyers Section President. View articles by Jason
A. Michelle Canter205.521.8650Email
Michelle Canter offers clients operational counsel in loan originations and servicing combined with more than 20 years of experience in compliance, regulatory enforcement, and litigation. Her particular experience in the default-servicing arena includes defending servicers during exams and enforcement actions by the CFPB, prudential regulators, and state regulators, as well as audits by HUD, Fannie Mae, Freddie Mac, and other investors. View articles by Michelle
Stewart M. Cox205.521.8276Email
Stewart Cox handles a wide range of complex litigation matters for business clients from different industry sectors. Stewart has tried cases before state and federal court juries involving mortgage fees, commercial leases, product manufacturing, bank deposits, software licensing, a railway accident and industrial equipment. Throughout his career, Stewart has handled hundreds of cases for numerous financial institutions involving deposit accounts, consumer finance contracts, commercial loans, letters of credit, fidelity issues, investment fraud and insurance coverage, among other subjects.
Hallman B. Eady205.521.8375Email
Hall Eady is a general and commercial litigator with a current focus on the representation of financial institutions. He regularly advises banks and mortgage servicers regarding recoupment options including lien rights, closing errors, title insurance, mortgage insurance and correspondent/broker agreements. Hall has also represented construction companies and product manufacturers. View articles by Hall
Graham W. Gerhardt205.521.8577Email
Graham W. Gerhardt is a member of the firm’s Litigation and Banking and Financial Services practice groups. His practice concentrates on representing financial institutions and mortgage companies in civil litigation. Graham defends causes of action including alleged violations of TILA, RESPA, FDCPA, and FCRA. He also litigates cases throughout the Southeast involving allegations of predatory lending, wrongful foreclosure, breach of contract, and deceptive trade practices. View articles by Graham
Michael C. Griffin704.338.6015Email
Mike Griffin focuses in mortgage litigation and compliance and commercial/real estate litigation. He litigates cases involving causes of action for violations of the Servicemember Civil Relief Act (SCRA), TILA, RESPA, FDCPA, FCRA, RICO, mortgage-related fees and services, title insurance, wrongful foreclosure, and state deceptive trade practices law. View articles by Mike
Christy W. Hancock704.338.6005Email
Christy Hancock’s practice focuses primarily on financial services litigation and regulatory compliance. She defends mortgage investors, including Government Sponsored Enterprises, and servicers in a variety of matters, including TILA, RESPA, RICO and FCRA disputes, predatory lending claims, mortgage-related fees and servicing issues, escrow account disputes, unfair and deceptive trade practices claims, and wrongful foreclosure claims.
Christopher L. Hawkins205.521.8556Email
Chris Hawkins represents clients in a wide variety of bankruptcy and insolvency-related matters across the country. He represents debtors and creditors in out-of-court business restructurings and chapter 11 bankruptcy cases. Chris represents creditors and financial institutions in bankruptcy-related litigation. He devotes a substantial portion of his practice to advising large financial institutions on bankruptcy compliance matters and bankruptcy-related regulatory matters. View articles by Chris
Heather Cain Hutchings202.719.8233Email
Heather C. Hutchings focuses her practice on consumer financial services laws and regulations affecting banks and other financial institutions, non-chartered mortgage lenders and servicers, consumer finance companies, and mortgage brokers. She also counsels financial services companies regarding CFPB preparedness and implementation strategies for the CFPB’s new regulations, including the Loan Originator Compensation rule, the Ability to Repay/Qualified Mortgage Rule, and the Mortgage Servicing Rule amendments to Regulation X and Regulation Z. View articles by Heather
Dana C. Lumsden704.338.6034Email
Dana Lumsden practice focuses on business litigation, including intellectual property disputes, securities litigation, investigations and enforcement proceedings and the resolution of regulatory controversies concerning consumer financial services. His recent matters include the defense of financial services companies in consumer class action matters, the resolution of multi-jurisdictional mortgage servicing disputes, as well as serving as lead counsel in response to investigations of the mortgage servicing industry brought by the New York Department of Financial Services. Dana is also the Managing Partner of Bradley’s Charlotte office.
Robert Maddox practices in Financial Services Litigation with an emphasis in mortgage litigation and compliance and commercial/real estate litigation. He is a Certified Mortgage Banker (CMB) and is one of only a handful of attorneys in the nation who have achieved this status. His national practice focuses primarily on representing two specific industries: financial institutions and mortgage companies. View articles by Robert
J. Douglas Minor Jr.601.592.9973Email
Doug Minor’s practice includes the defense of several large financial services and insurance companies throughout the southeastern United States. He is actively involved in all aspects of mortgage –related and lender liability litigation, including the defense of a nationwide TILA class action, a multi-million dollar mortgage repurchase claim and individual suits brought under the Truth in Lending Act, the Fair Debt Collection Practices Act, the Fair Credit Reporting Act and the Real Estate Settlement Practices Act.
Andrew J. Noble, III205.521.8342Email
Andy Noble represents clients in a wide range of civil litigation, including both individual suits and putative class actions. A substantial portion of his practice has focused on consumer finance and related consumer fraud and deceptive trade practices litigation and litigation involving trusts. He has also represented clients in cases relating to state tax law and construction contracts, both domestic and international.
D. Brian O'Dell205.521.8226Email
Brian O’Dell’s practice focuses on financial services litigation and regulatory compliance, with an emphasis in residential mortgages. Brian earned his Accredited Mortgage Professional designation through the Mortgage Bankers Association (MBA), and is one of a small number of lawyers who have achieved this status. Brian is a regular instructor for the MBA at the Schools of Mortgage Banking I and II, teaching Regulatory Compliance, Laws Affecting the Mortgagee’s Interest in Property, and Ethics in the Financial Services Industry.
Jon H. Patterson205.521.8403Email
Jon Patterson focuses his financial services litigation practice on mortgage litigation. Practicing since 2003, he has handled cases through all stages of the litigation process, including arbitration hearings, mediation, jury trials, bench trials, and injunctive relief hearings. He has substantial experience in the mortgage litigation arena, managing the litigation of over one-thousand cases across the country for various mortgage servicers. Jon handles cases across the country, including Alabama, Nevada, Texas, Oklahoma, and Wisconsin, with a primary focus on the representation of mortgage companies and other mortgage industry entities. View articles by Jon
Haydn J. Richards Jr.202.719.8217Email
Haydn Richards advises members of the financial services industry on state and federal regulatory compliance matters involving residential and commercial mortgage lenders, brokers, servicers, consumer financial companies, student loan companies, and debt collectors. He is a nationally recognized leader on mortgage and financial services licensing matters, including counseling clients relating to the formation of financial services companies and strategic acquisitions. He regularly interacts on behalf of financial services companies with federal and state regulatory agencies, both in adversarial and non-adversarial matters. Haydn counsels clients on CFPB compliance, as well as all aspects of the Secure and Fair Enforcement for Mortgage Licensing (S.A.F.E.) Act, financial services licensing matters, and the NMLS. View articles by Haydn
Brad Robertson works with clients facing government investigations and litigations, dealing with whistleblower allegations and qui tam actions, and planning compliance programs to prevent these occurrences in the first place. He helps his clients navigate compliance and potential liability under the False Claims Act, Anti-Kickback Statute and FIRREA, in addition to other areas of health care fraud and abuse, financial/mortgage fraud, and white collar criminal law. View articles by Brad
Edward S. Sledge IV205.521.8525Email
Ed Sledge represents businesses in high-exposure civil disputes in a variety of industries, from private equity groups and product manufacturers to financial services institutions, to name a few. Ed’s national practice focuses on complex business and commercial litigation in courts across the country, but he routinely represents businesses in personal injury and wrongful death matters. View articles by Edward
Laurence D. Vinson Jr.205.521.8607Email
Larry Vinson regularly counsels financial institutions of all sizes on new CFPB regulations, bank regulatory and product questions, and all aspects of state and federal consumer credit compliance. On questions relating to the Uniform Commercial Code, he is a resource for the firm’s clients and for other lawyers both inside and outside the firm. He is a member of the firm’s Banking and Financial Services Practice Group.
Jennifer L. Galloway813.559.5538Email
Jennifer Galloway’s practice is dedicated to helping financial services clients successfully navigate increasingly complex regulatory and business environments. She focuses on consumer financial services laws and regulations affecting banks, non-depository banks and other financial institutions. Her compliance work includes assisting clients with developing, implementing and maintaining compliance management systems, performing internal compliance audits for clients, preparing clients for outside audits as well as preparing related lending documents and disclosures.
Robert M. Couch205.521.8731Email
Rob Couch focuses his practice on mortgage lenders and investors; affordable housing; regulatory matters involving HUD, Ginnie Mae, FHA and other government sponsored enterprise matters; and governmental affairs. Rob served as a Commissioner on the Bipartisan Policy Center’s Housing Commission until September of 2014. He previously served as General Counsel of the U.S. Department of Housing and Urban Development (HUD) from June 2007 to November 2008. View articles by Rob
C. Meade Hartfield205.521.8457Email
Meade Hartfield has represented clients nationwide in a variety of industries, including financial services, drug and medical device, automotive, aviation, industrial equipment, insurance, and environmental. Her financial services practice includes representing financial institutions and mortgage companies in defensive litigation matters throughout the country.
Lesley Smith DeRamus(205) 521-8642Email
Lesley DeRamus has over 25 years of experience advising financial institutions on consumer protection laws and regulations impacting their operations. She regularly advises financial institutions on regulatory issues and develops forms, procedures and strategies for compliance. Also, she frequently advises clients on issues related to agency examinations and litigation matters. Lesley has advised institutions on both deposit and credit regulatory issues. View articles by Lesley
Anna-Katherine G. Bowman205.521.8299Email
Anna-Katherine Bowman’s practice focuses primarily on individual and commercial litigation matters across Alabama, including trials and appeals at the state and federal levels. She advises clients on substantive areas of law, as well as best practices for reducing exposure to litigation. View article by Anna-Katherine
Tabitha S. Etlinger813.559.5598Email
Tabitha Etlinger focuses on complex litigation, including both federal and state appeals, as well as commercial and real estate transactions representing individuals, private companies and public entities. She is experienced in secured transactions, creditors’ rights and international law. A significant part of her practice also involves commercial transactions and disputes, both domestic and international. View articles by Tabitha
Bill Matchneer’s practice focuses on matters involving the CFPB, HUD, manufactured housing finance, and other governmental agencies, as well as other issues impacting commercial and residential mortgage lenders and servicers. Prior to joining the firm, Bill served as senior counsel with the CFPB’s Division of Research, Markets and Regulations, where he was the team lead for regulations implementing certain aspects of Dodd-Frank. View articles by Bill
E. Tyler Samsing813.559.5526Email
Tyler Samsing has significant experience representing lenders, banks, mortgage servicers, and other financial institutions and corporate clients in numerous matters, including pursuing claims against debtors, structuring, preparing and negotiating complex loan transactions, and defending against adverse claims alleging predatory lending, violation of consumer collection protection statutes, deceptive trade practices, and fraud in both state and federal courts. View articles by Tyler
Kristen Birdsall Brenchley202.719.8242Email
Kristen Brenchley’s practice focuses on consumer financial services law and regulation, as well as assisting clients with licensing matters pertaining to mortgage lenders, brokers, servicers, and other financial institutions. Kristen has experience working on multi-state regulatory compliance surveys in addition to assisting clients with federal regulatory and compliance issues. View articles by Kristen
Julie Carter negotiates and litigates on behalf of her clients to resolve a variety of issues related to enforcement of mortgage liens and note obligations. Particularly, her practice focuses on representing mortgage companies in loan servicing and foreclosure-related litigation, as well as in disputes involving defects in title and the coverage provided by title insurance policies for such issues as HOA assessments and claims of liens, easements and rights of access, and other defects in title and related curative options. View articles by Julie
Anna Craft205.521.8287 Email
After clerking with Chief Judge Joel Dubina on the Eleventh Circuit Court of Appeals, Anna Craft joined the Birmingham office as a member of the Litigation Practice Group and the Financial Services Team. Her practice focuses on representing financial institutions and mortgage companies in a variety of litigation matters. View articles by Anna
Alex Dugan focuses her practice on representation of debtors and secured creditors in Chapter 11 cases, out-of-court workouts, reorganizations, restructurings and liquidations. Her practice spans a wide range of industries including bank and non-bank lenders, investors in distressed assets, legal, automotive and commercial real estate. She also practices in the firm’s Financial Services group, with an emphasis on consumer bankruptcy issues regarding residential mortgages. View articles by Alex
Lee Gilley focuses on representing financial institutions and mortgage companies in a variety of litigation and compliance matters, including title insurance recovery cases, compliance with the National Mortgage Settlement, general regulatory compliance, and government investigations. View articles by Lee
J. Jackson Hill IV205.521.8679Email
Jackson Hill is a litigator representing clients in the construction and financial services industries. He represents owners, general contractors and subcontractors in his construction and government contracts practice. His financial services practice focuses on representing financial institutions and mortgage servicing companies.
Erin Jane Illman704.338.6026Email
Erin Illman has over a decade of experience representing corporate entities, technology companies and financial institution clients in a wide variety of regulatory compliance, litigation and contract matters. Erin’s current practice combines her technology, financial and corporate entity experience and is focused on helping companies navigate compliance and litigation risks associated with information security, digital services and products, cybersecurity, e-commerce and data privacy. View articles by Erin
J. Riley Key205.521.8247Email
Riley Key works with financial services clients across the country facing regulatory and enforcement challenges related to obligations imposed by the CFPB, as well as various other federal and state laws. Specifically, Riley helps clients navigate compliance with the Mortgage Servicing Final Rules in Regulations X and Z and the TILA-RESPA Integrated Disclosure Rule, as well as a host of federal and state regulations, including TILA, RESPA, FDCPA, FCRA, and ECOA. View articles by Riley.
Jonathan R. Kolodziej205.521.8235Email
Jonathan Kolodziej is an associate in the Birmingham office where he is a member of the firm’s Financial Services Litigation and Compliance Team. Jonathan’s practice focuses on representing financial institutions and mortgage companies as they implement, and demonstrate compliance with new and existing federal and state laws. In this role he helps clients assess the impact of new rules and regulations and adapt to changes in the regulatory environment. View articles by Jonathan
Lyndsay E. Medlin704.338.6131Email
Lyndsay Medlin assists clients in the fast-paced financial services litigation arena as a member of the Financial Services Litigation and Compliance team. She developed her litigation skills working in both federal and state prosecutors’ offices trying misdemeanor criminal offenses and handling felony preliminary hearings and suppression motions as a participant in UVa’s prosecution clinic. View articles by Lyndsay
G. Benjamin Milam704.338.6049Email
Ben Milam represents mortgage lenders on a variety of claims, including unfair trade practices, fraud, wrongful foreclosure, the Fair Credit Reporting Act (FCRA), the Fair Debt Collection Practices Act (FDCPA), the Real Estate Settlement Procedures Act (RESPA), and the Truth in Lending Act (TILA). Ben also has experience in construction and insurance coverage litigation. View articles by Ben
Casey L. Miller615.252.2393Email
Casey Miller represents clients in a variety of business and commercial disputes and defends financial institutions in enforcement actions and litigation. Casey also represents organizations and individuals in government and internal investigations, advises clients in regulatory compliance matters, and handles related litigation. She practices in both state and federal courts across the country. View articles by Casey
Spencer R. Mobley205.521.8245Email
Spencer Mobley is an associate in the firm’s Birmingham office and is a member of the firm’s Financial Services Litigation Practice Group. In his practice, Spencer represents mortgage lenders and servicers through negotiation and litigation to maximize recovery and mitigate mortgage loan losses caused by issues in enforcing mortgage liens and note obligations. View articles by Spencer
Preston H. Neel205.521.8491Email
Preston Neel is a member of the firm’s Litigation and Banking and Financial Services practice groups. His practice concentrates on representing financial institutions and mortgage companies in civil litigation. Preston defends causes of action including alleged violations of TILA, RESPA, FDCPA, and FCRA. He also litigates cases throughout the Southeast involving allegations of predatory lending, wrongful foreclosure, breach of contract, and deceptive trade practices. View articles by Preston
Stephen Parsley’s practice has been heavily focused on appellate briefing for mortgage servicers arising out of claims that a homeowners association’s foreclosure of its super-priority lien can extinguish senior mortgages. He also handles commercial litigation and product liability matters for a range of clients, including pharmaceutical, medical, industrial, and consumer manufacturers. View articles by Stephen
Joshua J. Phillips615.252.2394Email
Joshua Phillips is a member of the litigation and financial services practice groups. His practice concentrates on complex business and commercial disputes, enforcement of non-competes, healthcare litigation, products liability defense, and representing financial institutions and mortgage companies in civil litigation matters. View articles by Joshua
Gregory B. Pipes205.521.8763Email
Greg Pipes practices as a member of the Litigation Practice Group and the Financial Services Litigation and Compliance Team. His practice focuses on representing financial institutions and mortgage companies in a variety of litigation and compliance matters. View articles by Greg
Grant A. Premo205.521.8850Email
Grant Premo is an associate in the Birmingham office. He practices in the firm’s General Litigation Group and Banking and Financial Services Practice Group. During law school, Grant competed in the Robert F. Wagner National Labor and Employment Moot Court Competition; served on the Campbell Moot Court Board; and was a Senior Editor for the Alabama Law Review. View articles by Grant
Ryan P. Robichaux205.521.8619Email
Ryan Robichaux specializes in political advocacy and compliance, where he represents clients before the executive and legislative branches of government in Washington, D.C., Montgomery, Alabama and other states. His work in these areas includes representation of businesses, trade associations, political action committees, nonprofits, government contractors, and other individuals and entities that are involved in the political process. Ryan regularly advises clients on state and federal lobbying, ethics, campaign finance, and pay-to-play laws. He also assists clients with the establishment and administration of political programs, including the formation of political action committees (PACs) and compliance with campaign finance laws, and advises clients on how to develop effective internal programs to comply with lobbying, ethics, campaign finance, and pay-to-play laws. Ryan also has experience with general civil litigation before state and federal courts. View articles by Ryan
Amy Magdanz Rose202.719.8264Email
Amy Rose represents clients in the areas of banking, regulation and consumer financial services. She handles a broad range of licensing matters for a variety of financial institutions, including mortgage companies, collection agencies and money transmitters. View articles by Amy
Avery Simmons concentrates on advising clients with her extensive experience in general litigation and complex financial disputes. Avery advises clients on a variety of litigation matters including contract negotiation and breach disputes, mortgage servicing compliance, securitization, real estate disputes, insurance brokerage issues, FOIA disputes, ERISA disputes and employment matters. View articles by Avery
Erika J. Sonstroem202.719.8239Email
Erika Sonstroem assists financial institutions navigate the complex world of the Dodd-Frank Act, the CFPB and the many federal and state laws and regulations that accompany them. Her practical, problem-solving approach to state licensing helps her clients obtain and maintain the approvals they need to conduct business in the financial industry. View articles by Erika
James W. Wright Jr.205.521.8924Email
Jay Wright’s practice focuses on financial services litigation and regulation and asbestos litigation. Jay is actively involved in lawsuits and disputes across the country, including Alabama, New Jersey, Texas, and Pennsylvania, in which he represents companies involved in a wide array of state and federal law claims. View articles by Jay
Heather Howell Wright615.252.2342Email
Heather Wright has experience in the trial and appellate litigation of a wide variety of commercial matters. She concentrates her practice on advising commercial insurance policy holders regarding coverage available through commercial general liability, directors and officers, errors and omissions and inland marine or contractors equipment insurance policies.