Abigail Lyle

Abigail M. Lyle’s practice focuses on regulatory compliance and defending financial institutions in enforcement actions and litigation related to consumer protection laws.

Abigail regularly defends financial institutions in litigation involving lending practices and federal and state consumer financial services laws, and advises clients on a variety of compliance issues, including the Equal Credit Opportunity Act, Regulation B, Fair Housing Act, Truth in Lending Act, Real Estate Settlement Procedures Act, Fair Credit Reporting Act, Fair Debt Collection Practices Act and its state counterparts, Telephone Consumer Protection Act, Unfair Deceptive or Abusive Acts or Practices, Bank Secrecy Act/Anti-Money Laundering, and flood insurance issues.

She also regularly represents financial institutions, directors, and officers in regulatory enforcement actions by the Department of Justice, Consumer Financial Protection Bureau, Federal Deposit Insurance Corporation, Office of the Comptroller of the Currency, Federal Reserve, and U.S. Department of Housing and Urban Department, including responding to “15 day letters,” notices of violation, and administrative proceedings on issues relating to lending practices and debt instruments.

Abigail served as a judicial clerk for the Honorable William P. Dimitrouleas of the U.S. District Court for the Southern District of Florida from 2009-2011.

Abigail is admitted to practice before the U.S. Court of Appeals for the Eleventh Circuit, the U.S. District Courts for the Southern, Middle, and Northern Districts of Florida, the U.S. District Courts for Eastern, Northern, Southern, and Western Districts of Texas, and the U.S. District Court for the Eastern District of Wisconsin.

Experience:

• Represented numerous financial institutions, directors, and officers in regulatory enforcement actions and examinations by the Department of Justice, Consumer Financial Protection Bureau, Federal Deposit Insurance Corporation, Office of the Comptroller of the Currency, Federal Reserve, and U.S. Department of Housing and Urban Department.
• Represented over two dozen financial institutions in Department of Justice referrals and investigations related to fair lending laws.
• Advised numerous financial institutions regarding analysis of disparate impact related to lending policies and programs.
• Advised numerous financial institutions and retailers regarding Telephone Consumer Protection Act compliance and developing compliant marketing and collection programs.
• Advised numerous financial institutions on compliance with the Fair Debt Collection Practices Act, Truth in Lending Act, Real Estate Settlement Procedures Act, Unfair Deceptive or Abusive Acts or Practices, and related policies and procedures.
• Advised numerous financial institutions, Fintech companies, and retailers in connection with Fair Credit Reporting Act compliance and developing compliant products and services.
• Advised numerous financial institutions on a myriad of consumer financial laws and regulations involving flood insurance, Bank Secrecy Act/Anti-Money Laundering, Home Mortgage Disclosure Act reporting, and the Real Estate Settlement Procedures Act.
• Assisted multiple banks and mortgage companies in preparing for regulatory examinations by performing audits of their origination and servicing practices, policies, and procedures.
• Advised multiple financial institutions and investors in connection with the financing, purchase, and securitization of loan products and potential acquisitions of financial services companies.
• Defended in excess of two dozen Federal Deposit Insurance Corporation, Office of the Comptroller of the Currency, and Federal Reserve investigations of individuals, banks, and bank holding companies.
• Defended multiple U.S. Department of Housing and Urban Development notices of violation and administrative actions.
• Defended multiple financial institutions in connection with civil money penalty referrals for alleged UDAAP, overdraft, and flood insurance violations.
• Advised mortgage lenders and Fintech companies on multiple matters involving Section 8 of the Real Estate Settlement Procedures Act and developing compliant agreements and services.
• Advised financial institutions in connection with Regulation DD and Regulation E compliance and developing compliant overdraft products and services.
• Advised multiple entities regarding state licensing requirements for lending and servicing activities.
• Defended national retailer in class action litigation asserting claims under the Telephone Consumer Protection Act.
• Defended national bank in connection with €100 million advance fee prime bank fraud.
• Defended credit union in class action litigation relating to credit insurance product.
• Defended financial institutions, including credit card issuers, Fintech companies, mortgage lenders, and auto lenders, in numerous Telephone Consumer Protection Act, Fair Credit Reporting Act, Truth in Lending Act, and Fair Debt Collection Practices Act litigation matters.
• Defended national mortgage servicer in class action litigation relating to force-placed insurance.
• Defended financial institution in Truth in Lending Act class action.
• Defended financial institutions in class actions involving credit card lending practices and securities fraud.

EDUCATION:

• JD, University of Miami School of Law, summa cum laude, Order of the Coif, Writing & Research Editor for the University of Miami Law Review, Miami Scholar, 2007
• BA, Political Science, Furman University, magna cum laude, Phi Beta Kappa, Phi Eta Sigma, Pi Sigma Alpha, 2003

BAR ADMISSIONS:

• Texas
• Florida

CLERKSHIPS:

• US District Court, Southern District of Florida