Andrea Mitchell, a Partner in the Washington, D.C., office of Buckley Sandler LLP, advises financial services clients throughout the country on a wide range of administrative enforcement and regulatory compliance matters. She focuses her practice on fair and responsible financial services, including matters that involve disparate impact and disparate treatment, unfair, deceptive, or abusive acts and practices (UDAAP), and other unfair, predatory, or anti-discrimination issues.
Ms. Mitchell has extensive experience in counseling banks, finance companies, and third-party service providers on regulatory compliance and risk management with respect to the Equal Credit Opportunity Act (ECOA), Fair Housing Act (FHA), Truth in Savings Act, Fair Credit Reporting Act (FCRA), Electronic Fund Transfer Act (ETFA), and UDAAP laws.
Ms. Mitchell advises clients in preparation for and management of federal and state examinations, assists clients in the development and maintenance of fair and responsible lending programs, including statistical monitoring programs, and conducts risk assessments and compliance reviews.
Her work in this area includes advising on pricing and underwriting, steering, redlining, product development, sales and marketing, credit reporting and servicing, collections, and loss mitigation activities. She frequently advises clients on board governance issues and conducts board and executive management training on a variety of regulatory and consumer protection issues.
Ms. Mitchell also conducts internal investigations and represents clients in government investigations and enforcement matters. She has experience in cases involving the Department of Justice (DOJ), Consumer Financial Protection Bureau (CFPB), Federal Reserve Board (FRB), Office of the Comptroller of the Currency (OCC), Federal Deposit Insurance Corporation (FDIC), Federal Trade Commission (FTC), Department of Housing and Urban Development (HUD), state attorneys general, and state civil rights commissions.
Chambers USA named Ms. Mitchell a Recognized Practitioner in the area of Financial Services Regulation: Consumer Finance (Compliance), Legal 500 recognized her for Financial Services: Regulation, and Best Lawyers recognized her for Banking and Finance Law.
In 2018, she was named a Fellow of the American College of Consumer Financial Services Lawyers. A frequent speaker at conferences and seminars on fair lending, UDAAP, examination and enforcement hot topics, and CFPB matters, Ms. Mitchell was also a contributor to the American Bankers Association’s Fair Lending Toolbox.
Prior to joining Buckley Sandler, Ms. Mitchell served as Counsel in the Legal Division at the FRB, where she worked on numerous consumer regulations, advised supervised entities on queries related to consumer protection statutes, and participated in several interagency task forces.
Before working at the Federal Reserve, Ms. Mitchell was a litigation Associate at Skadden, Arps, Slate, Meagher & Flom LLP, and served as a law clerk to the Honorable Mary Ellen Barbera in the Maryland Court of Special Appeals. She received her J.D. from American University, summa cum laude, in 2002 and her B.A. from the University of Wisconsin-Madison in 1993.
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