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, and mortgage servicers. Through his broad range of experience, Riley has developed expertise in a number of areas including 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. In addition, Riley has represented numerous financial institutions facing litigation across the country, including Alabama and Texas, involving a wide array of state and federal claims.
Riley 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. Riley has also assisted clients with the development of compliance management systems, and with the prevention of unfair, deceptive, or abusive acts or practices (UDAAP).