Ethan's practice focuses on financial services litigation and consumer law compliance counseling. Ethan is part of the firm's national practice representing consumer-facing companies of all types in defense of individual and class action claims and counseling them on compliance with federal and state laws.
Ethan's litigation, compliance, and regulatory practice includes representing debt buyers, debt collectors (including law firms), national and community banks, mortgage lending institutions, loan servicers, auto-finance companies, credit card issuers, and other first-party creditors, as well as consumer reporting agencies and other related consumer finance entities, in federal and state court litigation, advising on compliance issues and counseling on interactions with regulators, particularly with respect to the "alphabet soup" of consumer protection statutes, including the Fair Credit Reporting Act (FCRA), Fair Debt Collection Practices Act (FDCPA), Telephone Consumer Protection Act (TCPA), Electronic Fund Transfer Act (EFTA), Truth in Lending Act (TILA), Equal Credit Opportunity Act (ECOA), Real Estate Settlement Procedures Act (RESPA), other federal and state statutes, and common law.
Ethan has represented businesses in many venues nationally, including in Arkansas, California, Colorado, Florida, Georgia, Illinois, Indiana, Kentucky, Louisiana, Maryland, Michigan, Missouri, Nevada, New Jersey, New York, North Carolina, Ohio, Oregon, Pennsylvania, Tennessee, Texas, Virginia, Washington, West Virginia, and Wisconsin.
Ethan also represents companies and individuals in a variety of commercial matters, including patent, trademark and other intellectual property litigation, commercial real estate disputes, shareholder/partner/member disagreements, construction, and related complex litigation matters.
Recent Cases
Kowalkowski v. Francois Sales & Servs. et al., 2019 U.S. Dist. LEXIS 85204, 2019 WL 2189484 (W.D. Wis. May 21, 2019) (granting auto finance company's motion for judgment on the pleadings on an impermissible purpose claim under the FCRA).
Representative matters may include engagements before joining Troutman Pepper.
Consumer Financial Services Law Monitor
04.15.24
CFPB’s Spring Edition of Its Supervisory Highlights Focuses on Consumer Reporting
Consumer Financial Services Law Monitor
04.11.24
California Federal Court Rules Undated Model Debt Violation Notice Does Not Violate the FDCPA
Consumer Financial Services Law Monitor
04.04.24
CFPB Annual Report Sees Continued Increase in Consumer Reporting Complaints and Complaints Involving Fraudulent Activity, Student Loan Repayment Difficulties, and Auto Finance
Consumer Financial Services Law Monitor
03.25.24
New York Federal Court Finds Failure to Review Account Notes When Investigating a Dispute Could Be Considered Reckless Under the FCRA
Consumer Financial Services Law Monitor
03.18.24
FTC Announces Amendments to Telemarketing Sales Rule
Podcasts
03.14.24
Understanding the CFPB's Proposed Digital Payments Larger Participants Rule and Its Implications for Digital Assets — Crossover Episode with The Crypto Exchange and Payments Pros