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  1. Capabilities

Consumer Financial Services

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  • Overview

Key Contacts

Juan AzelKobi Kennedy BrinsonCristina I. CalvarDaniel T. ChaudoinDamien M. DiggsCarl FornarisAmanda GrovesElizabeth IrelandJack KnightCaitlin M.R. MandelShawn R. ObiAngela A. SmedleyCari StinebowerRichard Weber
View Our Full Team

Resources

The Reg E Reader

The financial services landscape is undergoing rapid and unprecedented transformation—driven by technological innovation, evolving market dynamics, and a shifting regulatory climate. Winston & Strawn is uniquely positioned to help clients not only adapt to these changes, but to anticipate what’s next.

Winston’s Consumer Financial Services attorneys represent leading global banks, mid-sized and community banks, FinTechs, payment companies, money transmitters, card issuers, non-bank lenders, insurance companies, and other consumer and retail financial services companies across a full spectrum of matters, including:

  • Regulatory and compliance counseling
  • Financial crimes compliance
  • Government investigations and enforcement
  • Class action litigation defense
  • Transactional advice and regulatory due diligence

Our cross-practice team includes former U.S. Attorneys, Assistant and Supervisory Assistant U.S. Attorneys, Special Assistant U.S. Attorneys, a former IRS Chief of Criminal Investigation, a former Assistant Director in the SEC’s Enforcement Division, and attorneys with other senior DOJ roles. In addition to our many former prosecutors and regulatory enforcers, several of our attorneys have served as in-house counsel and compliance officers at some of the nation’s largest financial institutions. This deep bench of seasoned professionals brings the insight and experience needed to anticipate the evolving expectations of the Federal Deposit Insurance Corporation (FDIC), the Federal Reserve Board (FRB), the Office of the Comptroller of the Currency (OCC), the Consumer Financial Protection Bureau (CFPB), the Federal Trade Commission (FTC), the Financial Crimes Enforcement Network (FinCEN),state attorneys general, and other federal and state regulators.

Key Contacts

Juan AzelKobi Kennedy BrinsonCristina I. CalvarDaniel T. ChaudoinDamien M. DiggsCarl FornarisAmanda GrovesElizabeth IrelandJack KnightCaitlin M.R. MandelShawn R. ObiAngela A. SmedleyCari StinebowerRichard Weber
View Our Full Team

Areas of Focus

We provide trusted counsel to clients facing increasing regulatory demands in the dynamic consumer financial services marketplace. Our team delivers strategic advice across the full spectrum of consumer financial services, including:

  • Account servicing & debt collection
  • Consumer credit
  • Credit reporting
  • Fair lending
  • Financial privacy & data security
  • Overdrafts & deposit products
  • Payment products & systems
  • Unfair, deceptive, or abusive acts or practices (UDAP/UDAAP)

Winston’s financial crimes compliance team provides BSA/AML/CFT regulatory counseling and enforcement-related services, with experience in international AML matters, including EU regulations and FATF recommendations. Our team routinely:

  • Conducts AML/CFT compliance reviews and risk assessments
  • Performs investor and counterparty due diligence in corporate and investment transactions
  • Advises on Corporate Transparency Act (CTA) compliance
  • Counsels on BSA/AML programs, customer identification programs (CIP), customer due diligence (CDD) procedures, and suspicious activity reporting (SAR) procedures, among other AML areas.

Learn More

We represent financial services clients in a wide range of investigations and enforcement matters. Our team advises on inspections, examinations, regulatory inquiries, and proceedings initiated by nearly every major federal and state enforcement agency, and often on multiple fronts at once, including:

  • CFPB
  • CFTC
  • DOJ
  • FDIC
  • Federal Reserve Board
  • FINRA
  • OCC
  • SEC
  • State Attorneys General

Our litigation team represents financial services clients in their most sensitive and complex matters. We handle high-profile litigation involving consumer claims under key consumer protection statutes, including:

  • Community Reinvestment Act (CRA)
  • Electronic Fund Transfer Act (EFTA)
  • Equal Credit Opportunity Act (ECOA)
  • Fair Credit Reporting Act (FCRA)
  • Fair Debt Collection Practices Act (FDCPA)
  • Real Estate Settlement Procedures Act (RESPA)
  • Truth in Lending Act (TILA)
  • Fair Housing Act (FHA)
  • State unfair and deceptive trade practices acts

Leading global financial services companies turn to Winston for representation in litigation involving systemic issues—such as fee policies, financial crime controls, and alleged lending discrimination—that are central to their operations and reputations. These matters often attract media and congressional scrutiny, and our experienced litigators are adept at managing both the legal and reputational dimensions.

 

We provide strategic regulatory counsel on consumer and financial crime compliance laws and regulations arising in a wide range of transactions. Our team advises clients on mergers and acquisitions, structured finance, securitizations, licensing arrangements, joint ventures, strategic alliances, and other complex business combinations. We conduct regulatory due diligence, assess compliance risks, and help structure transactions to align with federal and state consumer and financial crime compliance laws and regulations —ensuring smooth execution and long-term regulatory resilience.

The team at Winston has an exceptional understanding of the industry.

Banking & Finance Client, Chambers USA

The Winston team is comprised of strategic and innovative thinkers who go the distance to serve their clients.

Corporate Crime & Investigations Client, Chambers USA

Winston’s lawyers are among the elite in the profession that are capable of handling basically anything with a strong bench that yields meaningful engagement at every level of experience.

Litigation Client, Chambers USA

Related Capabilities

Financial Innovation & Regulation

Resources

The Reg E Reader

Notable

125+ Years Representing
Financial Services Companies

Winston Actively Represents
All 10 of the Top 10 
U.S. Banks

1/3 of the Firm’s Total Work
Is Dedicated to Financial Services Clients

125+ Years Representing
Financial Services Companies

Winston Actively Represents
All 10 of the Top 10 
U.S. Banks

1/3 of the Firm’s Total Work
Is Dedicated to Financial Services Clients

Related Insights & News

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Proposed New York Consumer Protection Law Signals the Future of State Enforcement

May 27, 2025

Client Alert
Proposed New York Consumer Protection Law Signals the Future of State Enforcement
May 27, 2025
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