Abigail’s practice focuses on regulatory compliance and defending financial institutions in enforcement actions and litigation related to consumer protection laws.

Abigail regularly defends financial institutions in litigation involving lending practices and federal and state consumer financial services laws, and advises clients on a variety of compliance issues, including the Equal Credit Opportunity Act, Regulation B, Fair Housing Act, Truth in Lending Act, Real Estate Settlement Procedures Act, Fair Debt Collection Practices Act and its state counterparts, Telephone Consumer Protection Act, Unfair Deceptive or Abusive Acts or Practices, Bank Secrecy Act/Anti-Money Laundering, and flood insurance issues. She also regularly represents financial institutions, directors, and officers in regulatory enforcement actions by the Department of Justice, Consumer Financial Protection Bureau, Federal Deposit Insurance Corporation, Office of the Comptroller of the Currency, Federal Reserve, and U.S. Department of Housing and Urban Department, including responding to “15 day letters,” notices of violation, and administrative proceedings on issues relating to lending practices and debt instruments.

Abigail served as a judicial clerk for the Honorable William P. Dimitrouleas of the U.S. District Court for the Southern District of Florida from 2009-2011. Abigail is admitted to practice before the U.S. Court of Appeals for the Eleventh Circuit, the U.S. District Courts for the Southern, Middle, and Northern Districts of Florida, the U.S. District Courts for Eastern, Northern, Southern, and Western Districts of Texas, and the U.S. District Court for the Eastern District of Wisconsin.

Relevant Experience

  • Represented financial institutions, directors, and officers in regulatory enforcement actions by the Department of Justice, Consumer Financial Protection Bureau, Federal Deposit Insurance Corporation, Office of the Comptroller of the Currency, Federal Reserve, and U.S. Department of Housing and Urban Department
  • Represented national mortgage servicer in Telephone Consumer Protection Act and Fair Debt Collection Practices Act litigation matters
  • Represented over two dozen financial institutions in Department of Justice referrals and investigations related to fair lending laws
  • Advised numerous financial institutions regarding analysis of disparate impact related to lending policies and programs.
  • Advised auto lending, mortgage lending, and credit card issuing financial institutions on compliance with the Bankruptcy Code, Fair Debt Collection Practices Act, Fair Credit Reporting Act, Truth in Lending Act, Real Estate Settlement Procedures Act, and other consumer compliance statutes.
  • Assisted multiple banks and mortgage companies in preparing for regulatory examinations by performing audits of their origination and servicing practices, policies, and procedures.
  • Advised national mortgage servicer regarding compliance with Telephone Consumer Protection Act, Fair Debt Collection Practices Act, Real Estate Settlement Procedures Act, and related policies and procedures
  • Advised mortgage lenders and Fintech companies on multiple matters involving Section 8 of the Real Estate Settlement Procedures Act
  • Represented a national bank in connection with €100 million advance fee prime bank fraud
  • Defended national mortgage servicer in class action litigation relating to force-placed insurance
  • Defended financial institutions, including credit card issuers, Fintech companies, mortgage lenders, and auto lenders in litigation asserting claims under Fair Debt Collection Practices Act, Fair Credit Reporting Act, and Truth in Lending Act.
  • Advised numerous financial institutions on a myriad of consumer financial laws and regulations involving flood insurance, Bank Secrecy Act/Anti-Money Laundering, Home Mortgage Disclosure Act reporting, and Real Estate Settlement Procedures Act
  • Defended in excess of a dozen Federal Deposit Insurance Corporation, Office of the Comptroller of the Currency, and Federal Reserve investigations of individuals, banks and bank holding companies
  • Defended multiple U.S. Department of Housing and Urban Development notices of violation and administrative actions
  • Defended multiple financial institutions in connection with civil money penalty referrals for alleged UDAAP violations
  • Defended financial institution in Truth in Lending Act class action
  • Defended financial institutions in class actions involving credit card lending practices and securities fraud.

Memberships

  • Member, Bar of the State of Texas
  • Member, Bar of the State of Florida

Awards & Recognition

  • Selected as a “Rising Star” for Business Litigation, Florida Super Lawyers magazine, 2016
  • Named a “Rising Star” among the top lawyers in Florida by Florida Super Lawyers magazine, 2014-2017

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