Austin's notable representations include:

  • A consumer lender in resolving a CFPB investigation relating to compliance with the FCRA, TILA and UDAAP.
  • A consumer lender in defending several class action lawsuits, attorney general investigations, and a lawsuit by the CFPB relating to UDAAP.
  • A Paycheck Protection Program (PPP) lender in an FTC investigation.
  • An FDIC-regulated bank in successfully appealing material supervisory determinations before the FDIC's Supervision Appeals Review Committee.
  • A large national bank in conducting UDAAP risk assessments of all of the bank's consumer products and services.
  • BancorpSouth Bank in resolving a CFPB and DOJ fair lending investigation.
  • Commonwealth, Inc., in obtaining the first-ever approval under the CFPB's Compliance Assistance Sandbox Policy.
  • A digital payment service in responding to a CFPB civil investigative demand relating to compliance with the EFTA and UDAAP.
  • Capital One in connection with a federal lawsuit relating to branch closures.
  • Social Capital Hedosophia Holdings in its merger with consumer finance company SoFi.
  • Mortgage lenders and auto finance companies in fair lending testing of their pricing and underwriting data.
  • A bank director in resolving an investigation by the Office of the Comptroller of the Currency.
  • A large regional bank in connection with a CFPB redlining investigation.
  • A consumer reporting agency in responding to a Potential Action and Request for Response (PARR) by the CFPB.
  • A mortgage loan servicer in responding to a CFPB investigation regarding loss mitigation practices.
  • A large bank in the non-public resolution of an investigation by the CFPB and the FRB relating to overdraft practices.
  • Several banks and other financial institutions in preparing for CFPB, FDIC, OCC and FRB examinations and responding to supervisory concerns.

Austin frequently speaks and writes on financial services enforcement, litigation and enforcement trends.