Andrew Smith advises clients on retail financial services, credit reporting, privacy, technology and e-commerce issues. He assists banks, non-bank lenders, credit bureaus, technology companies, and their vendors with regulatory compliance, litigation and transactional matters.
Mr. Smith represents clients before federal and state agencies—particularly the Federal Trade Commission (FTC) and Consumer Financial Protection Bureau (CFPB)—in law enforcement and rulemaking proceedings. He regularly advises companies on the requirements of the GLBA, FCRA, DPPA, ECOA, FDCPA, TCPA and TSR, FTC Act, Dodd-Frank Act, and analogous state laws, including state insurance privacy laws and security breach notification requirements.
Mr. Smith served in senior supervisory and policy-making positions at the FTC and the Securities and Exchange Commission. At the FTC, he led a team of 45 professionals to develop and draft ten rules and six studies under the Fair and Accurate Credit Transactions Act of 2003 ("FACT Act").