Consumer Financial Services

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.

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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.