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Consumer Financial Services

Montgomery McCracken has a dedicated team of attorneys that provide counseling and legal assistance to clients in the consumer financial services industry.


Our Consumer Financial Services Practice Group routinely assists clients in high-stakes litigation, including consumer class actions, regulatory proceedings, compliance matters, and data security and privacy issues.

We represent clients across a range of industries including financial services, consumer reporting agencies, employers, credit card marketers and services, electronic payment service providers, data brokers, technology vendors, telemarketers, debt collectors, and retailers.

In addition to the litigation services, our attorneys advise clients on enforcement actions, policy and procedure creation and implementation, consumer agreements, product guidance, marketing and advertising practices and litigation avoidance strategies.

We regularly defend companies sued under the:

  • Fair Credit Reporting Act (FCRA)
  • Fair Debt Collection Practices Act (FDCPA)
  • Fair and Accurate Credit Transactions Act (FACTA)
  • Telephone Consumer Protection Act (TCPA)
  • Credit Repair Organizations Act (CROA)
  • Computer Fraud and Abuse Act (CFAA)

We represent background screening companies of all sizes. We are proud to represent start-up consumer reporting agencies and assist in their creation of innovative, yet compliant, policies and procedures. We are equally proud to guide and advise both the nation’s largest and the fastest growing background screening companies through their most challenging litigation. Our team also represents clients in matters involving the Consumer Financial Protection Bureau, Federal Trade Commission, and other federal and state regulatory agencies.

In addition, our attorneys routinely speak and publish on all timely consumer financial services topics. Visit the firm’s Ahead of the Class blog for the latest news and updates.

Representative clients

  • Background Check Companies
  • National, regional, and local banks
  • Credit reporting agencies
  • Credit furnishers
  • Debt collectors and buyers
  • Auto finance companies