As an associate in the firm’s Banking & Financial Services Practice Group, Caroline Unger advises national and regional financial institutions on compliance with federal and state consumer financial protection laws and oversight by regulators, including the CFPB. She assists clients with regulatory examinations and administrative enforcement actions, including preparation for CFPB exams, responses to PARR letters and other supervisory correspondence, and implementation of remedial measures. Additionally, Caroline helps clients anticipate and implement operational changes in response to an evolving statutory, regulatory, and enforcement landscape.
Caroline also devotes part of her practice to helping clients assess their product and service offerings and mitigate litigation risk in connection with strategic growth opportunities. She assists numerous consumer goods manufacturers and retailers, including vitamin and dietary supplement companies, cosmetic companies, conventional food and beverage companies, apparel and fashion companies, and e-commerce companies. Caroline has broadly represented the consumer products and services industries in litigation arising under state and federal laws, including California's Proposition 65, the Consumer Legal Remedies Act (CLRA), and the California Invasion of Privacy Act (CIPA); false advertising and unfair competition laws in California, New York, Illinois, and other states; and the Telephone Consumer Protection Act (TCPA) and other federal laws, regulations, and guidance documents.