J. Riley Key

Legal Assistant
Cheryl Thompson
P: 205.521.8335 cthompson@bradley.com

Riley Key works with financial services clients across the country facing regulatory and enforcement challenges related to obligations imposed by the CFPB, as well as various other federal and state laws. Riley has worked with a wide range of financial service providers, including banks, credit card companies, auto finance companies, small dollar lenders, debt collection companies and mortgage servicers. Through his broad range of experience, he has advised clients on matters related to unfair, deceptive, or abusive acts or practices (UDAAP), 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), the Electronic Funds Transfer Act (EFTA), and the Credit CARD Act, as well as various other federal and state laws.

Riley has also assisted a wide variety of financial institutions as they prepared for and worked through CFPB and other federal and state-specific supervisory examinations. This work has included conducting risk assessments, responding to requests for additional information, self-disclosing issues, working with examiners during on-site reviews, challenging examination findings, responding to Proposed Action and Request for Response (PARR) letters and supervisory letters, and, where appropriate, resolving issues through settlement. He has also assisted clients with the development of a comprehensive compliance management system.

Riley also frequently represents clients in regulatory compliance matters where he works closely with business, legal, and compliance leaders to identify process issues and develop workable solutions. By combining his compliance background and experience with examinations and bet-the-company matters, he is able to provide unique, practical insights regarding regulatory expectations and industry practices.

Notable Matters
  • Negotiated successful outcomes in complex, national bet-the-company matters that resulted in settlements with 49 state attorneys general, the DOJ, CFPB, HUD, Executive Office of the United States Trustees, 48 state financial regulators, and other government parties. 
  • Represented multiple financial services clients in successful examinations that allowed clients to avoid enforcement actions. 
  • Represented multiple financial services clients during internal compliance reviews to identify and correct potential compliance issues. Reviews included risk assessments and mock examinations to assist clients in preparing for anticipated regulatory scrutiny.