Overview
Consumer and small business finance is more complex—and more consequential—than ever. As the regulatory environment continues to evolve, enforcement priorities are shifting and new technologies are reshaping the market.
At Manatt, we help clients navigate this fast-moving landscape by integrating four core strengths: class action defense and complex litigation, regulatory investigations and enforcement, regulatory compliance counseling and regulatory transactions.
This full-spectrum approach is what sets us apart. Because our practice brings these pillars together—litigation, enforcement, compliance and transactions—clients trust Manatt as a one-stop partner for every stage of the consumer and small business finance lifecycle.
Our team represents banks, fintech companies, state-licensed lenders, alternative finance companies, servicers, retailers and others across every facet of consumer and small business finance law. Our multidisciplinary team includes top litigators, former regulators, compliance strategists and experienced dealmakers who collaborate seamlessly to protect our clients and help their businesses grow.
Whether you’re defending a class action, navigating an exam or enforcement investigation, launching a new lending product or enhancing your compliance infrastructure, Manatt delivers the legal clarity and strategic insight to move forward with confidence.
“…deep practical experience from both industry and government, achieving better outcomes faster.”—Client testimonial, Best Law Firms®
Litigation and class action defense
Our litigators have a national reputation for handling high-stakes litigation and class actions involving federal and state consumer and small business protection laws. Our ability to draw on regulatory and compliance insights is the foundation of our strategy—allowing us to litigate aggressively while mitigating long-term risk for our clients.
We are leaders in bringing constitutional and administrative law challenges to statutes and regulations. In addition, our lawyers have successfully defended class actions arising under statutes such as the Truth in Lending Act, the Equal Credit Opportunity Act, the Fair Credit Reporting Act, the Fair Debt Collection Practices Act, the Real Estate Settlement Procedures Act, the Telephone Consumer Protection Act, and unfair and deceptive practices laws.
Regulatory enforcement
When government agencies put you in their crosshairs, Manatt is in your corner. We have deep experience representing clients in examinations and enforcement investigations initiated by the Consumer Financial Protection Bureau, Federal Trade Commission, Office of Comptroller of the Currency, Federal Deposit Insurance Corporation, Federal Reserve, state attorneys general, state financial services regulators and others.
From responding to civil investigative demands and subpoenas to managing multi-agency scrutiny, we can help you resolve matters efficiently while protecting your reputation and your business.
Compliance and operations strategy
Compliance isn’t just about checking boxes—it’s about enabling innovation while staying in bounds.
Our team works with companies to design, update and implement compliance programs tailored to each client’s structure, products and risk profile.
Our clients depend on us to prepare for regulatory examinations and support ongoing product vetting, policy drafting and training. We also handle the complex regulatory issues that arise in partnership arrangements, acquisitions, digital platform development and new product rollouts.
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