Jonice M. Gray Email & Phone Number

I specialize in work with banks, non-bank financial institutions, and other companies providing financial products and services. I work with many of the largest bank and non-bank financial institutions, emerging companies such as fintechs, and retailers whose business operations include consumer and small business finance. My work is focused on representing corporate and individual clients in high-stakes legal proceedings, including matters initiated by federal and state regulators, private civil litigation, and internal investigations. I also counsel clients on compliance with consumer protection laws, with particular focus on fair lending, fair servicing, and laws prohibiting unfair, deceptive, and abusive acts and practices. I focus a substantial portion of my practice on representations involving escalated government examination matters, investigations, and enforcement. In this capacity, I routinely provide strategic advice to senior corporate leaders, including Boards of Directors, as they navigate complex, and often unexpected, business and legal challenges.I have been representing financial institutions in matters involving the Consumer Financial Protection Bureau (CFPB) since it was first established frequently providing advice in connection with policy matters, supervisory matters such as responses to Proposed Action and Request for Response (PARR) letters, and enforcement matters. In addition, I frequently represent institutions in matters initiated by other federal agencies, including the Federal Trade Commission (FTC), Department of Justice (DOJ), Department of Housing and Urban Development (HUD), Federal Reserve Board (FRB), Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), and Office of the Comptroller of the Currency (OCC). Many of these matters have been successfully closed without further action.I also have an active state regulatory practice, representing institutions in matters involving state attorneys general, including multi-state groups, as well as other state regulators such as the New York Department of Financial Services (NYDFS), the California Department of Financial Protection and Innovation (DFPI), and state banking departments.

Listed skills include Civil Litigation, Litigation, Corporate Governance, Consumer Law, and 14 others.