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A.J. is an associate in the Finance and Bankruptcy Practice Group in the firm's Washington, D.C. office.
A.J. has over a decade of experience helping banks, non-bank financial institutions, and other companies providing financial products and services in a wide range of matters including government enforcement actions, civil litigation, regulatory examinations, and internal investigations.
With a diversified regulatory, compliance, and enforcement background, A.J. counsels financial institutions in matters involving the Consumer Financial Protection Bureau (CFPB) since it was first established, having served as counsel in numerous investigations, enforcement actions, and supervisory matters. Beyond his CFPB work, A.J. frequently represents institutions in matters initiated by many other federal agencies, including the Department of Justice (DOJ), Federal Trade Commission (FTC), and the Federal Deposit Insurance Corporation (FDIC), as well as state Attorneys General and other state regulators such as the New York Department of Financial Services (NYDFS) and Department of Financial Protection and Innovation (DFPI).
A.J.’s extensive enforcement and bank and consumer regulatory experience, in particular with consumer protection statutes, includes focus on the Truth in Lending Act (TILA), the Real Estate Settlement Procedures Act (RESPA), the Equal Credit Opportunity Act (ECOA), the Fair Housing Act (FHAct), the Fair Credit Reporting Act (FCRA), the Fair Debt Collection Practices Act (FDCPA), the Servicemembers Civil Relief Act (SCRA), Telephone Consumer Protection Act (TCPA), and various unfair, deceptive, or abusive acts and practices (UDAAP) laws under the Dodd-Frank Wall Street Reform and Consumer Protection Act (Dodd-Frank Act), Section 5 of the FTC Act, and various state laws.
A.J. is active in the District of Columbia Bar, where he serves on the Board of Governors. He is a past president of the Washington D.C. chapter of the South Asian Bar Association of North America (SABA) and has been recognized as a Rising Star by SABA.
More Legal and Business Bylines From A.J. S. Dhaliwal
- Money Transmission Licenses Required for Virtual Currency Activities in Arkansas and Florida - (Posted On Tuesday, September 21, 2021)
- Wyoming and Maine Issue New Licensing Requirements Potentially Impacting Passive Loan Investors - (Posted On Tuesday, September 21, 2021)
- Are Income Share Agreements Loans? The CFPB Says Yes - (Posted On Friday, September 10, 2021)
- FTC Approves Changes to FCRA Rules; Clarifies Application to Motor Vehicle Dealers - (Posted On Thursday, September 09, 2021)
- CFPB Issues Proposed Rule Under Section 1071 of Dodd-Frank to Collect Small Business Lending Data - (Posted On Friday, September 03, 2021)
- Banking Agencies Release Due Diligence Guidance on Community Bank-FinTech Relationships - (Posted On Tuesday, August 31, 2021)
- FFIEC Issues Updated Guidance on Authentication and Access to Financial Institution Services and Systems - (Posted On Thursday, August 26, 2021)
- Ten Years After Dodd-Frank Passage CFPB To Issue Section 1071 Regulations in September - (Posted On Friday, August 13, 2021)
- Maine Enacts “True Lender” Legislation, Amends Consumer Credit Code to Include Anti-Evasion Provisions - (Posted On Thursday, August 12, 2021)
- CFPB Reaches Correct Resolution On Juneteenth Disclosure Issues - (Posted On Thursday, August 12, 2021)