Consumer Financial Services and Class Action Defense

Lenders and related entities are constantly challenged under federal statutes such as the Truth in Lending Act ("TILA"), the Fair Credit Reporting Act ("FCRA"), the Fair Debt Collection Practices Act ("FDCPA"), and the Real Estate Settlement Procedures Act ("RESPA").  Deutsch, Levy & Engel has defended lenders in class and individual actions seeking to assert violations of these and similar state consumer fraud acts, such as California's Business and Professions Code, Section 17200, one of the broadest consumer protection statutes in the nation.  Deutsch, Levy & Engel also regularly defends retailers in purported class actions under the Fair and Accurate Credit Transactions Act ("FACTA") and the Telephone Consumer Protection Act ("TCPA").

Deutsch, Levy & Engel attorneys have handled cases involving challenges to entire categories of loan products (such as "Option-Arm" loans), as well as challenges to escrow practices, lender-placed insurance, payment processing issues, document preparation fees, and bankruptcy fees and practices.  Deutsch, Levy & Engel also counsels lending clients on managing class action exposure and maintaining compliance with state and federal lending and consumer protection laws.