CFPB Archives - The BTI Consulting Group

Matt Manning

tthorp — Thu, 13 Aug 2026 00:01:21 +0000

Matt represents clients in consumer financial services litigation with a clear goal: efficient, strategic dispute resolution that allows them to remain focused on running their businesses.

Drawing on more than 15 years of civil litigation experience, Matt represents banks, mortgage servicers, captive finance companies, independent lenders, credit unions, and vehicle finance companies in high-stakes mortgage servicing and auto finance disputes in both state and federal court. He defends clients in foreclosure challenges, wrongful repossession claims, creditor’s rights matters, and automotive lien priority litigation, as well as complex collateral recovery disputes involving repair facilities, storage providers, and competing lienholders.

In the mortgage lending arena, Matt handles claims under federal consumer protection statutes, including the Truth in Lending Act (TILA), Fair Credit Reporting Act (FCRA), Fair Debt Collection Practices Act (FDCPA), and Telephone Consumer Protection Act (TCPA), as well as disputes involving alleged violations of the Texas Constitution’s home equity lending provisions. He also represents lenders in auto finance matters, including bankruptcies, defaults, lien priority, and contested vehicle repossessions.

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Lauren Campisi

tthorp — Thu, 13 Aug 2026 00:01:09 +0000

Lauren is nationally recognized for providing strategic, practical advice to clients regarding the development, documentation, maintenance, and expansion of consumer financial products and services and representing clients in federal and state supervisory matters, investigations, enforcement actions, and litigation. She assists with obtaining and maintaining licenses, structuring operations, and developing and maintaining effective compliance management systems. Lauren acts as regulatory counsel in connection with investments and acquisitions related to consumer financial products and routinely performs regulatory compliance due diligence. Lauren also negotiates and documents purchase and sale, servicing, and other agreements on behalf of her financial services clients.

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Eric Goldberg

tthorp — Thu, 13 Aug 2026 00:00:57 +0000

Eric I. Goldberg is a Seattle-based fintech partner with deep expertise in consumer financial services regulations, payments, and lending. With over 20 years of experience spanning federal regulatory work and private practice, Eric is widely respected on both coasts. He is a trusted name in the Bay Area fintech industry and, until 2018, served as senior regulatory counsel at the Consumer Financial Protection Bureau, where he shaped national policy on consumer finance. His broad institutional experience positions him as an essential advisor to both established firms and emerging fintech disruptors.

Eric helps financial institutions and startups develop compliant business models through managing federal regulatory requirements, state licensing strategies, and bank partnerships. His particular expertise in lending, payments, and fintech products—including Buy Now Pay Later (BNPL) and Earned Wage Access (EWA)—is deeply rooted in his CFPB regulatory experience. He advises on traditional banking regulatory issues as well as emerging payment services and cutting-edge fintech innovations involving cryptocurrency and stablecoins, card issuance, Fed master accounts, AI and agentic payments, money transmission, and consumer data aggregation services. Eric also evaluates UDAAP risk and counsels on complex legal frameworks including EFTA, TILA, TISA, GLBA, BSA, MLA, the Dodd-Frank Act, the Federal Reserve Act, the FDIC Act and the FTC Act.

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Chris Willis

tthorp — Wed, 12 Aug 2026 23:59:42 +0000

Chris is the co-leader of the Consumer Financial Services Regulatory Practice Group at the firm. He advises financial services institutions facing state and federal government investigations and examinations, counseling them on compliance issues including UDAP/UDAAP, credit reporting, debt collection, and fair lending, and defending them in individual and class action lawsuits brought by consumers and enforcement actions brought by government agencies.

Chris also leverages insights from his litigation and enforcement experience to help clients design new products and processes, including machine learning marketing, fraud prevention and underwriting models, product structure, advertising, online application flows, underwriting, and collection and loss mitigation strategies.

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