Rachel J. Myers

• Counseled clients on compliance with state and federal laws affecting lending and servicing activities, including the Fair Debt Collection Practices Act (FDCPA), Fair Credit Reporting Act (FCRA), Equal Credit Opportunity Act (ECOA), Truth in Lending Act (TILA), Servicemember Civil Relief Act (SCRA), and Unfair, Deceptive, and Abusive Acts and Practices (UDAAP) provisions of the Dodd-Frank Act.
• Assisted clients in preparing for, completing, and responding to findings resulting from examinations in the auto finance, consumer finance, and debt collection spaces by the Consumer Financial Protection Bureau, New York Department of Financial Services, and others.
• Counsel to consumer financial products and services providers in investigations conducted by the Consumer Financial Protection Bureau, Federal Trade Commission, New York Department of Financial Services, Pennsylvania attorney general, and Massachusetts attorney general.
• Assisted multiple banks and nonbank finance companies with reporting changes in control of their licenses resulting from mergers and acquisitions of affiliated entities.
• Assisted banks with compliance relating to check law and consumer complaints.
• Represented a pro bono client to win a grant of asylum in U.S. Immigration Court.
• Assisted low-income housing lender in applying for and complying with the requirements of mortgage loan banking and servicing licenses administered by the New York Department of Financial Services.

Rachel J. Myers advises banks and financial services providers on federal and state banking and consumer finance laws, enforcement actions, exam responses, corporate transactions, and licensing compliance. As a regulatory and enforcement attorney, Rachel works with the firm’s Financial Services and Litigation groups to meet clients’ needs. Her background in comparative international law brings valuable perspective to compliance challenges presented by the diverse, and at times conflicting, state laws and regulations that govern the consumer finance industry.

Rachel serves on the firm’s Pro Bono Committee. Before joining the firm, she interned with the U.S. District Court for the Southern District of Indiana and the U.S. Department of Justice Tax Division in Washington, D.C. Before law school, Rachel received a Fulbright grant to teach in the Russian Federation and worked at the American Bar Association Rule of Law Initiative in the Middle East and North Africa Division.

Languages

• Russian

Bar Admissions

• District of Columbia
• New York

Education

• Indiana University (J.D., M.A., 2021)
• The College of Wooster (B.A., 2014)

Memberships