Image: Eathen Gums

Eathen Gums

Of Counsel, Litigation Department

Overview

Eathen Gums is Of Counsel in the Financial Services - Investigations, Regulation, and Litigation group at Paul Hastings, and is based in the firm’s Washington, D.C., office. Mr. Gums works with banks, non-bank financial institutions, and other companies providing financial products and services. He works with many of the largest banks, non-bank financial institutions, emerging companies such as fintechs, and corporations in supervisory and enforcement matters initiated by federal and state government regulators.

Mr. Gums joined the firm after 14 years of federal government service as counsel and adviser to senior policy makers, most recently as Senior Counsel for the Office of Supervision Policy at the Consumer Financial Protection Bureau, where he advised on examinations of compliance with federal consumer financial laws across institutional product lines regulated by the CFPB.

As Senior Counsel within the CFPB’s Office of Supervision Policy, Mr. Gums provided legal advice regarding compliance with the Equal Credit Opportunity Act (ECOA), the Home Mortgage Disclosure Act (HMDA), Unfair Deceptive Abusive Acts & Practices (UDAAP), the Electronic Funds Transfer Act (EFTA), and the Fair Debt Collections Practices Act (FDCPA).

He joined the CFPB in 2012 within the Bureau’s Office of Fair Lending & Equal Opportunity and was among an essential group of attorneys who interpreted the Bureau’s fair lending authorities granted to the agency by the Consumer Financial Protection Act of 2010. Mr. Gums was a key contributor to the CFPB’s examination procedures through which the agency exercises its fair lending authorities. He was the counsel who advised examinations that resulted in two of the Bureau’s first fair lending consent orders and has advised numerous examinations of compliance with consumer financial laws.

Prior to joining the CFPB, Mr. Gums was a Fair Lending Specialist in the Office of Systemic Investigations of the Department of Housing and Urban Development, where he investigated and negotiated settlements of nationwide lending discrimination complaints.

Recognitions

  • Recognized with a Certificate of Excellence by the CFPB in 2017 for his leadership on the CFPB’s inaugural Diversity and Inclusion Council of Employees

Education

  • Georgetown University Law Center, J.D., 2006
  • Cornell University, B.S., 2002, M.P.A., 2003
  • Admitted only in New Jersey. Application for admission filed in the District of Columbia. Practice supervised by members of the District of Columbia Bar.

Engagement & Publications

  • Taught legal seminar during National Bar Association’s annual conference on amendments to the Home Mortgage Disclosure Act’s implementing regulation, Regulation C.
  • Gave supervisory updates for the Office of Fair Lending & Equal Opportunity at CFPB All-hands annual conferences and the Office of Supervision Policy at CFPB regional conferences.

Involvement

  • Board Member, National Bar Association, Government Attorney Section
  • CFPB Diversity & Inclusion Council of Employees, Retention Chairman
  • Washington Bar Association, Member
  • Georgetown Club of Metropolitan D.C., Member
  • Cornell Club of Washington, Member

Practice Areas

Investigations and White Collar Defense
Payment Systems

Languages

English

Admissions

New Jersey Bar

Education

Georgetown University Law Center, J.D. 2006
Cornell University, M.P.A. 2003
Cornell University, B.S. 2002

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