Erin Bryan

Compliance, Regulatory Enforcement, and Consent Order Resolution

• Oversaw the development of national compliance surveys and operational guidance concerning commercial and consumer lending licenses (including mortgage lending licenses), money transmitter licenses, limits on fees and interest, consumer disclosures, debt collection, bankruptcy servicing and credit card surcharges, among other subjects.
• Served as lead counsel to national earned wage access providers in connection with CFPB investigation and state attorney general inquiries.
• Served as lead counsel to national non-bank lenders in connection with obtaining lending licenses across the United States.
• Served as lead counsel to national non-bank lenders in response to state regulatory inquiries.
• Served as lead counsel to credit union in development and implementation of digital assets custody services.
• Conducted anti-money laundering/Bank Secrecy Act audits for major insurance company and regional banks.
• Served as lead counsel on regulatory and government inquiries into consumer bankruptcy servicing practices at a major financial institution, including matters relating to court-filed documents — payment change notices, proofs of claim, responses to notices of final cure, and post-petition fee notices — and mortgage servicing practices involving payment application and escrow.
• Provided critical legal support in connection with the resolution of mortgage servicing-related consent orders with the Office of the Comptroller of the Currency and the Federal Reserve on behalf of a major financial institution.
• Served as Single Point of Contact for United States Trustee inquiries for a major financial institution.

Privacy Remediation and Compliance Infrastructure

• Managed a national privacy remediation matter involving historic bankruptcy filing deficiencies that had exposed personally identifiable information prohibited by Federal Rule of Bankruptcy Procedure 9037.
• Directed and oversaw the development and implementation of fee matrices covering 94 jurisdictions for a financial services client.
• Advised mortgage servicers on implementation of CFPB mortgage servicing rules and credit reporting of bankruptcy accounts under the Fair Credit Reporting Act.