Image: Kari Hall

Kari Hall

Partner, Litigation Department


Kari Hall is a partner in the Consumer Financial Services, and Litigation group at Paul Hastings, and is based in the firm’s Washington, D.C., office.

Ms. Hall counsels financial services companies on regulatory, compliance, and enforcement matters, with a focus on consumer lending and retail banking. Ms. Hall advises banks and non-banks on complex regulatory matters, risk management, and enforcement matters across deposits, payments, mortgage, auto lending, and open-ended credit. Ms. Hall has particularly deep experience advising on deposit account and card products, services, and disclosures, electronic fund transfers and other electronic transfers and payments, fair lending, fair servicing, and unfair, deceptive, or abusive acts or practices (UDAAP). 

Ms. Hall advises clients regarding product development and compliance and represents clients in internal reviews and investigations, as well as examinations, investigations, and enforcement actions by the Department of Justice (DOJ), the Consumer Financial Protection Bureau (CFPB), the Office of the Comptroller of the Currency (OCC), the Federal Reserve Board (FRB), the Federal Deposit Insurance Corporation (FDIC), the Department of Housing and Urban Development (HUD), and state regulators.


  • Cincinnati College of Law, J.D., 2003
  • Miami University, B.S., 1996


  • Represented and successfully defended a large specialty mortgage company in a multi-agency fair lending investigation and internal review
  • Advised on creating and bringing to market a new deposit product, including developing the product structure, client facing materials, and operational requirements
  • Advised and represented multiple banks and non-bank financial institutions during CFPB examinations, including responding to exam requests, supervisory letters, Potential Action and Request for Response (PARR) letters, and Civil Investigative Demands (CID)
  • Performed a number of risk assessments and reviews for banks, credit unions, and non-bank financial services companies covering fair lending, fair servicing, deposits, electronic funds transfers, UDAAP, marketing, and compliance management across business and operational lines
  • Negotiated the detailed requirements of and worked with a bank and its settlement administrator to facilitate compliance with a large indirect auto settlement agreement

    Engagement & Publications


    • “Too hot to handle: US Consumer finance trends in 2024”, IFLR, 2024
    • Law360, “Finance cos. should brace for wider CFPB anti-bias reach,” 2022
    • The Business Lawyer, “Square peg meets round hole: Regulatory responses to challenges created by innovation in banking,” 2020
    • Law360, “Nevada spousal credit sharing may conflict with federal law,” 2019
    • Bloomberg BNA, “It's a New Dawn, New Day for HMDA Reporting,” 2016
    • Law360, “Complaint Management Lessons from Dr. Seuss,” 2014

    Speaking Engagements

    • “Equity, equality, regulation and enforcement—The evolving regulatory landscape of fair lending, redlining, and UDAAP,” ABA Business Law Committee Hybrid Spring Meeting, 2022
    • “Increased regulatory scrutiny of overdraft — How banks can respond,” ABA webinar, 2022
    • “Consumer protection priorities in the Biden administration and beyond,” SWABC and TBA Legal Conference, 2021
    • “Justice for all: Achieving racial equity through fair lending,” CBA Live, 2021
    • “Fair lending and artificial intelligence,” American Bar Association Business Law Section Spring Meeting, 2021
    • “Consumer regulatory, enforcement & litigation trends,” American Bankers Association Bank General Counsel Meeting, 2020
    • “Compliance in time of crisis: Compliance challenges during the Covid-19 pandemic,” American Bankers Association Risk and Compliance Virtual Conference, 2020
    • “Overdrafts and regulatory trends,” CLE Alabama Banking Law Update, 2020
    • “Understanding updates to Regulation CC to ensure effective check processing,” National Association of Federal Credit Unions, 2019

    Practice Areas

    Consumer Financial Services

    Investigations and White Collar Defense


    Financial Services

    Fintech and Payments




    District of Columbia Bar

    Ohio Bar


    University of Cincinnati, College of Law, J.D. 2003

    Miami University, B.A. 1996

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