Stefanie takes a holistic approach to working with clients both through compliance counseling and assessment relating to consumer products and services, as well as serving as a zealous advocate in government inquiries, investigations, and consumer litigation.
Stefanie devotes her practice to assisting financial services institutions facing state and federal government investigations and examinations, counseling them on complex compliance issues, as well as defending them in individual and class action lawsuits. Stefanie represents clients across the financial services industry, including banks and nonbanks, mortgage banking lenders and servicers, debt collectors and buyers, third-party service providers, health care and medical revenue cycle service providers, credit and prepaid card companies, auto lenders, and fintechs. She regularly advises her clients on issues arising under an array of federal and state consumer financial laws, including UDAP/UDAAP statutes, the FDCPA, FCRA, TCPA, EFTA, SCRA, and TILA.
In addition to her litigation and government investigations work, Stefanie focuses a significant portion of her practice on providing compliance-related advice to her clients. She regularly counsels clients on conducting compliance assessments relating to their debt collection, credit reporting and dispute resolution processes, fair lending and underwriting, and vendor oversight, as well as the functionality of their overall compliance management system. Stefanie also brings her litigation and enforcement experience to bear in assisting clients in designing new products and processes, including product structuring, advertising, online application flows, underwriting, and servicing-related strategies.
Representative matters may include engagements before joining Troutman Pepper.
Stefanie has been interviewed by Reuters, the Associated Press, the Wall Street Journal, Bloomberg Law, American Banker, Collection Advisor, Auto Finance News, and Credit and Collection News.
Stefanie is a frequent lecturer at national-level seminars on a wide array of topics relating to consumer financial services litigation and compliance, such as CFPB enforcement and regulation, unfair and deceptive trade practices, credit reporting and the FCRA, debt collection issues arising under the FDCPA and Regulation F, the TCPA, student loan servicing, health care collections, and mortgage lending litigation. Recent presentations include:
articles editor, Emory Law Journal; member, Order of Barristers
Consumer Financial Services Law Monitor
04.24.24
Missouri Federal Court Finds Plaintiff Lacks Standing to Challenge Compliance Condition Code on Consumer Report
Consumer Financial Services Law Monitor
04.23.24
CFPB Backs Connecticut and California Bills to Prohibit Medical Debt Reporting
Consumer Financial Services Law Monitor
04.23.24
CFPB Enters Consent Order Against BloomTech Over Misleading Income-Share Agreements
Consumer Financial Services Law Monitor
04.23.24
New Jersey Federal Court Reviews Call Transcript to Dismiss FDCPA Complaint
Consumer Financial Services Law Monitor
04.17.24
CFPB Updates Risk-Based Nonbank Supervision Designation Process
Consumer Financial Services Law Monitor
04.11.24
California Federal Court Rules Undated Model Debt Violation Notice Does Not Violate the FDCPA