Financial & Consumer Litigation
Financial services clients operate in one of the most heavily regulated sectors in the economy — and when disputes arise, they face litigation that is technically demanding, reputationally sensitive, and often industry-defining. TCS attorneys have decades of experience representing banks, mortgage companies, and other regulated consumer, commercial, and industrial lending institutions in complex disputes across every major forum — including arbitration, bench and jury trials, and appeals in state and federal courts. Our lawyers have taken and defended hundreds of depositions, successfully resolved cases through alternative dispute resolution, and delivered favorable outcomes in high-stakes litigation where both the financial exposure and the regulatory implications are significant.
What distinguishes TCS in this space is our command of the regulatory landscape that shapes every financial services dispute. We defend claims arising under the full spectrum of federal and state consumer finance statutes, including:
- Truth in Lending Act (TILA)
- Real Estate Settlement Procedures Act (RESPA)
- Fair Debt Collection Practices Act (FDCPA)
- Fair Credit Reporting Act (FCRA)
- Fair Credit Billing Act (FCBA)
- Equal Credit Opportunity Act (ECOA)
- Fair Housing Act (FHA)
- Electronic Fund Transfer Act (EFTA)
- Telephone Consumer Protection Act (TCPA)
- Servicemembers Civil Relief Act (SCRA)
- West Virginia Consumer Credit and Protection Act
Our team also defends claims involving state unfair and deceptive trade practices statutes, predatory lending allegations, and challenges to fees, interest rates, and contract terms — the disputes that increasingly dominate the consumer financial services docket. TCS combines deep regulatory knowledge with the trial experience and litigation judgment that financial institutions require when their business practices, compliance programs, and reputations are on the line.