Andrew Narod represents financial services institutions in civil litigation and compliance matters across the country as part of his litigation and financial services practice. His litigation experience includes a diverse range of issues facing financial institutions and mortgage servicers, including lender liability lawsuits and representation of clients in consumer litigation. Andrew routinely defends his clients in a wide array of claims arising under state and federal regulations, including the Fair Debt Collection Practices Act (FDCPA), Fair Credit Reporting Act (FCRA), the Truth in Lending Act (TILA), the Real Estate Settlement Procedures Act (RESPA), and the Telephone Consumer Protection Act (TCPA), as well as claims regarding unfair and deceptive trade practices and fraud. Andrew has also defended mortgage originators in residential mortgage backed securities repurchase litigation. He has additional experience in advising automobile lenders in an array of regulatory and compliance matters and defending related class-action lawsuits arising under state and federal regulations. He also assists financial services clients facing investigations and enforcement actions by the CFPB and other regulators.

Andrew has litigated and arbitrated cases in both federal and state courts in a wide range of venues, including courts in California, Colorado, Maryland, New Jersey, New York, Pennsylvania, Virginia, West Virginia, and the District of Columbia, as well as the United States Courts of Appeals for the Fourth and Tenth Circuits. He regularly represents clients in the United States District Court for the Eastern District of Virginia, known collegially as the “Rocket Docket” because of its unique pace of litigation, and he has also served as local counsel in that jurisdiction. Andrew has tried multiple cases to a verdict as lead counsel and second chair and has had primary responsibility for drafting his clients’ appellate briefs in numerous cases.

Andrew also devotes a significant portion of his practice to advising his clients regarding compliance with federal and state regulations. He has assisted FinTech companies in navigating novel regulatory questions, educated established mortgage servicers to provide an understanding of the ever-changing landscape of state regulations, and provided detailed strategy to clients concerning TCPA compliance.

Based upon his business background, Andrew strives to provide his clients with practical litigation and compliance advice from a business-oriented perspective. He attempts to fully understand his clients’ broader business context when advising them in order to provide the best business advice for resolving his clients’ issues. For these reasons, Andrew’s clients rely upon him for efficient and effective resolution of their legal needs with an eye towards jointly reaching his clients’ business goals.

Notable Matters
  • Successfully defended mortgage originator in bellwether indemnification claim concerning mortgage backed security repurchases. This litigation involved significant loan-level underwriting questions, yet a favorable resolution was reached based upon novel statute of limitations defense.
  • Defended automobile lender against class action claim brought under Maryland closed-end credit statute with significant amount in controversy. This litigation involved claims of illegal repossessions and failure to make required disclosures to consumers as required by statute.
  • Obtained dismissal for national bank in Fair Credit Reporting Act claim concerning information furnisher liability for reporting of a credit card account. Obtained dismissal of unfair trade practice claim under a novel theory that credit card lenders are excepted from statutory reach as “banks.”
  • Obtained dismissal of class action claim alleging that client used deceptive mortgage debt collection tactics as part of foreclosures under Fair Debt Collection Practices Act. Protracted argument led to a published opinion explaining that the plaintiff lacked standing to challenge a mortgage assignment.
  • Defended national bank against class action charge of illegal mortgage settlement kickback scheme in high-profile litigation involving multiple institutional defendants.