Nicholas Smyth Email & Phone Number

In March 2024 I was promoted to Assistant Chief (second in command) of the Bureau of Consumer Protection. The Bureau investigates fraud and deception in the sale, servicing and furnishing of goods and products. When necessary we sue companies that violate the Unfair Trade Practices and Consumer Protection Law, Consumer Financial Protection Act.

Pittsburgh, Pennsylvania

I manage the Office of Attorney General’s work in student lending, mortgages, auto finance, high-cost lending, debt collection, credit reporting, debt settlement, and scams. I led the PA team (one of 4 lead states) in the Navient lawsuit and $1.85 billion, 39-state settlement. I am leading the Mariner Finance litigation, where PA, WA, NJ, OR, DC, NY, TN.

Taught The State Attorneys General in Fall 2023 and Spring 2022. Previously guest lectured about AGs and CFPB at UCLA, UMichigan, Temple, and Widener.

Pittsburgh And San Francisco

Managed all litigation, arbitration, and pre-litigation negotiations, including participation in mediations, reviewing pleadings, and approving settlements. Managed legal work related to customer service, collections, payments, loss mitigation, insurance, consumer complaints, bankruptcy, servicemember issues, and Federal and state regulatory issues..

Pittsburgh, PA And Washington, DC

Counseled: a top five bank on data security and privacy; a top five bank on auto finance fair lending examination; a top five bank on mortgage servicing investigation. Helped bank and nonbank clients prepare for and respond to examinations and investigations, including by conducting mock exams and assisting clients with difficult decisions regarding.

Washington D.C. Metro Area

I helped set up the CFPB's Office of Servicemember Affairs, and I have presented at the Army JAG School and to senior officials from state attorneys general offices. I served as the Bureau’s policy lead on a Pentagon working group that was created in response to the problems unearthed by the CFPB’s subprime auto settlements and prior state actions. In.

Washington D.C. Metro Area

Prior to joining the CFPB, I worked on the Treasury Department team (led by Michael Barr, Eric Stein, and Peggy Twohig) that drafted and helped pass Title X of the Dodd-Frank Wall Street Reform and Consumer Protection Act, which created the CFPB. Among other things, I helped define "abusive"​ acts and practices. My team dealt extensively with the staff of.

Jd (Cum Laude)

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