Rachel represents banks, fintechs, and other financial services providers in regulatory compliance, enforcement matters, and consumer financial services litigation.
Rachel represents financial services providers, fintech companies, banks, and nonbank lenders, including auto finance companies and student loan servicers. She regularly provides regulatory compliance guidance on federal consumer finance and payments laws, including the Fair Debt Collection Practices Act (FDCPA); Fair Credit Reporting Act (FCRA); Equal Credit Opportunity Act (ECOA); Truth in Lending Act (TILA); Servicemember Civil Relief Act (SCRA); Unfair, Deceptive, and Abusive Acts and Practices (UDAAP) provisions of the Dodd-Frank Act; and similar laws at the state level.
In addition to counseling on compliance issues, Rachel represents clients during regulatory exams and investigations by federal regulators and state attorneys general. Her work extends to individual consumer and class action matters for a range of financial institutions.
Since childhood, Rachel has loved to write. After joining her high school speech and debate team, Rachel knew that her love for research, writing, and analysis meant that a career as an attorney would be a perfect fit. Having never left the country until college, she also knew she wanted to learn as much as she could about other places around the world. Before enrolling in law school, she began studying Russian in depth and earned a Fulbright grant to teach advanced English at a university in Russia. Rachel went on to work at the American Bar Association Rule of Law Initiative in the Middle East and North Africa Division, supporting legal development initiatives and comparative legal projects in that region. Drawing on this international background, Rachel has advised on matters involving Russian financial institutions and on international trade questions and has handled immigration-related pro bono cases.
An excellent communicator and writer, Rachel has a gift for delivering concise briefings and persuasive arguments. Her passion for research means that she dives deep into client concerns and into the intricacies of related regulatory law, and she’s known for providing precise, detailed answers and solutions. Clients also appreciate her quick responses and ready availability.