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Rachel J. Myers

Rachel J. Myers

Associate
Overview

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.

Industry

Services

Education

  • J.D., Indiana University
  • M.A., Indiana University
  • B.A., The College of Wooster

Admissions

  • District of Columbia
  • New York

Professional Memberships and Certifications

  • American Bar Association, Affordable Housing and Community Development Publications Committee
  • District of Columbia Bar
  • New York State Bar Association

Languages

  • Russian, proficient
Experience
  • Counseled clients on compliance with state and federal laws affecting lending and servicing activities, 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), and Unfair, Deceptive, and Abusive Acts and Practices (UDAAP) provisions of the Dodd-Frank Act.
  • Assisted clients in preparing for, completing, and responding to findings resulting from examinations in the auto finance, consumer finance, and debt collection spaces by the Consumer Financial Protection Bureau, New York Department of Financial Services, and others.
  • Provided counsel to consumer financial products and services providers in investigations conducted by the Consumer Financial Protection Bureau, Federal Trade Commission, New York Department of Financial Services, Pennsylvania Attorney General, and Massachusetts Attorney General.
  • Assisted multiple banks and nonbank finance companies with reporting changes in control of their licenses resulting from mergers and acquisitions of affiliated entities.
  • Assisted banks with compliance relating to check law and consumer complaints.
  • Represented a pro bono client to win a grant of asylum in U.S. Immigration Court.
  • Assisted low-income housing lender in applying for and complying with the requirements of mortgage loan banking and servicing licenses administered by the New York Department of Financial Services.
Outside the Office

In her spare time, Rachel enjoys taking further Russian courses and practicing her skills, as well as participating in ballet and yoga classes. She also tries to make use of Washington and Arlington’s biking trails as often as possible—including biking to the office!

When she has time away from work, Rachel loves to visit new places and spends her time traveling to see her friends who live abroad.

Community Leadership
  • AARP Legal Counsel for the Elderly Young Lawyers Alliance
  • Humane Rescue Alliance
  • Washington Interfaith Network

Rachel also places a high priority on pro bono work and regularly appears on the District of Columbia’s Pro Bono Honor Roll. She has offered pro bono legal representation to clients in a wide variety of areas, sometimes drawing on her Russian language skills.