Jonice M. GrayJonice M.Gray

Prominent digital marketplace provider in FTC investigation alleging UDAAP; matter was closed without action.

City National Bank, a subsidiary of Royal Bank of Canada, in DOJ investigation relating to alleged violations of the FHA and ECOA and consensual resolution.

Berkshire Hathaway subsidiaries, HSOA, Trident Mortgage and Fox & Roach in supervisory activity and concurrent investigations by DOJ, CFPB and State AGs alleging violations of the FHA, ECOA and numerous state laws and concurrent consensual resolutions.

Early Warning (Zelle) in connection with congressional investigation relating to fraud and scam detection and prevention.

Top 10 bank in CFPB investigation of deposit practices and concurrent supervisory activity by prudential banking regulators, with CFPB declining to take enforcement action following full investigation.

Mid-size bank in joint DOJ and NYAG investigation; matter closed without further action following full investigation.

Prominent fintech working in deposits space in concurrent supervisory and enforcement matters by federal and state regulators which included CA DFPI, Washington DFI, NYDFS and the Illinois Department of Financial Regulation and Professional Regulation.

Lender in novel investigation and enforcement action by the Georgia Department of Banking and Finance seeking to recharacterize business such that it was subject to additional laws.

Bank with prominent Caribbean presence in concurrent escalated supervisory activity related to consumer lending by the FRB and the CFPB that was resolved without enforcement action as well as in related internal investigation.

Equifax in CFPB supervisory and investigatory matters, including consent order in connection with sales practices.

Discover in CFPB and FDIC actions challenging sales practices and consensual resolution.

A large conglomerate, with numerous affiliates performing retail sales, consumer lending and related services in multi-state attorney general investigation.

Nonbank institution in an FTC investigation alleging unfair and deceptive trade practices regarding the marketing of products and services to veterans; matter closed without further action.

A top U.S. bank in concurrent investigations and enforcement actions by the DOJ, the OCC and the FRB related to allegations of discriminatory mortgage lending practices.

Tech company in FTC investigation alleging unfair and deceptive trade practices regarding the marketing of products and services.

Numerous participants in the credit bureau reporting industry in federal investigations alleging UDAAP and FCRA violations, including matters closed without further action.

Several large institutions in escalated state and federal government supervisory activity and investigations regarding mortgage origination and servicing practices.

Numerous banks and nonbanks in federal and state investigations, enforcement action, and escalated supervisory matters alleging UDAAPs in the sale, marketing and/or servicing of ancillary products.

Various student loan companies in investigations initiated by the CFPB and state regulators, including matters closed without further action.

Large financial institutions in internal investigations alleging, among other things, misconduct in the performance of core job functions and other workplace improprieties including kickbacks.

Several bank and nonbank entities in concurrent investigations initiated by the FHFA related to the FHFA’s investments in residential mortgage-backed securities.

Prominent bank specializing in work with fintechs in FDIC supervisory and enforcement actions alleging UDAPs and fair lending violations.

Large bank in connection with alleged violations of CFPB consent order, concurrent escalated supervisory action by the FRB and FDIC, and internal investigation.

Numerous banks in escalating supervisory activity related to deposits by prudential bank regulators.

Large bank in the settlement of a nationwide class action alleging mortgage fraud and predatory lending.

Providing advice to various merchants on compliance matters related to financial transactions with consumers, including implementation of virtual marketplaces and use of prepaid and stored value products.

Assisting bank and nonbank finance companies with the development and/or enhancement of compliance management systems.

Providing fair and responsible banking advice to financial institutions of varying sizes, including conducting compliance management and fair lending risk assessments.

Providing compliance advice to banks and nonbanks on small business lending and merchant cash advances (MCAs).

Advising participants in the digital asset space, including those involved with cryptocurrencies, in matters involving compliance management, regulatory advice and state investigations.

Advising solar finance companies in regulatory matters, compliance management and investigation defense.

Advising numerous fintechs on regulatory, compliance, and enforcement matters, related to licensing, money transmission, Bank Secrecy Act (BSA) and anti-money laundering (AML) compliance.

Prepared comment letters on behalf of the Consumer Bankers Association, the Financial Services Roundtable (now Bank Policy Institute), and the Consumer Mortgage Coalition on CFPB’s use of Civil Investigative Demands, enforcement practices and supervision process, with recent adoption of a number of significant recommended policy changes.