John Harrelson assists various financial service providers in litigation, regulatory compliance and enforcement matters. He has actively represented financial institutions involved in lawsuits and disputes across the country in a variety of cases in both federal and state courts. His regulatory compliance practice involves assisting clients as they adapt to changes in the regulatory environment, including advising clients as they bring their operations into compliance with various obligations imposed on them by the Consumer Financial Protection Bureau (CFPB).
John has worked with a wide range of financial service providers, including banks, credit card companies, auto finance companies, and mortgage servicers. Through his broad range of experience, John has developed expertise in a number of areas on the federal and state level. On a nationwide basis, he has provided compliance assistance related to the Truth in Lending Act (TILA), the Real Estate Settlement Procedures Act (RESPA), the TILA-RESPA Integrated Disclosure Rule (TRID), the Telephone Consumer Protection Act (TCPA), the Fair Credit Reporting Act (FCRA), the Fair Debt Collection Practices Act (FDCPA), and the Credit CARD Act. On the state level, his focus has been assisting clients in complying with various state analogues to the FDCPA.
John has also assisted a wide variety of financial institutions as they prepared for and worked through CFPB and state-specific supervisory examinations. This work has included conducting risk assessments, responding to requests for additional information, self-disclosing issues to the CFPB, working with examiners during on-site reviews, and responding to Proposed Action and Request for Response (PARR) letters and supervisory letters. John has also assisted clients with the development of compliance management systems, and with the prevention of unfair, deceptive, or abusive acts or practices (UDAAP).